Helping you make Smarter Money Choices.
It is widely reported that financial stress is the number one cause of relationship breakdown. It is also well known that financial hardship increases and exacerbates mental health conditions.
Everyone is working towards wellness. When talking about wellness we believe it means aligning your mind, body and spirit. Your finances should not be neglected. We help you to deal with your money in line with your deepest held beliefs, as hard as it is when there are so many distractions along the path. Little decisions over time add up, good and poor.
Money is about behaviour. Too often we have too much month at the end of our money! Our system works with you to form new money habits and behaviours, meaning you will have the tools to succeed.
Income/Outgoings Analysis
First we get an understanding of what is important to you. We analyse your income and your spending patterns and look at what you would like to change and what works for you.
We can then set a spending plan in place based on your bills (Pay), your savings goals (Save) and some discretionary money (Play).
90 Day Coaching Plan
We work with you to ensure the plan you put in place works for you. We ensure you hit your savings goals and still have a little fun along the way.
This is conducted remotely and if changes need to be made, along with changes in your life or circumstances, this can be easily analysed to see what effect it will have on your goals.
The Role of Debt
A dirty four letter word, but it doesn’t have to be. Debt can be categorised by Good Debt and Bad Debt. Good Debt helps you build wealth and leverages your position for potentially greater returns over the long term. Bad debt is generally debt associated with your lifestyle.
Debt Reduction Strategy
A large portion of what your expenses are can be related to debt. We can use the data from your income and your spending habits to devise a coordinated approach to putting an end date to your repayments. By developing a Debt Reduction Strategy, we identify a Debt Free Date and establish the time (sometimes years) and money savings (sometimes 10s of thousands of dollars) of our strategy.
Too many Australians are paying more than they need to in interest to Banks and too many Australians are carrying debt into their retirement. We are on a purpose with our clients to address this as a specific plan to build their wealth.
Most Lenders will get you in to debt. We aim to get you out of debt.
Contact us TODAY on Phone (02) 4365 4275 to organise a meeting to establish if you can manage your money better.
“Do not save what is left after spending, but spend what is left after saving” – Warren Buffett
