Budget Decisions Made Clearer
Understanding where your money actually goes changes everything. We help Australian households see their spending patterns through data that makes sense, not spreadsheets that confuse.
Why Spending Data Matters More Than You Think
Most families have no idea where 30% of their income goes. It's not irresponsibility—it's the small purchases that add up. Coffee here, subscription there, an impulse buy at lunch.
When we track spending for three months, patterns emerge. Turns out that "occasional" takeaway happens four times a week. The gym membership you forgot about. Streaming services you signed up for during lockdown and never cancelled.
This isn't about judgment. It's about awareness. You can't prioritise what you can't see.
What Australian Households Tell Us
Based on clients we've worked with across Queensland and New South Wales in 2024 and early 2025, these patterns keep showing up.
Underestimate Discretionary Spend
When people guess their monthly discretionary spending before tracking it, they're usually off by a significant margin. The actual number tends to surprise them.
Average Monthly Subscriptions
Between streaming, software, apps, and memberships, most households spend more on subscriptions than they realise. Some can be consolidated or cancelled.
Find Unnecessary Expenses
After reviewing three months of statements, over half discover at least one recurring charge they'd forgotten about or no longer need.
What People Say After Three Months
Theron Wickstead
Accountant, Brisbane
"I work with numbers all day, so I thought I had a handle on my own budget. Tracking everything for 90 days showed me I was spending nearly 0 a month on lunches near the office. Now I plan ahead and that money goes toward my house deposit."
Callista Thornbury
Teacher, Gold Coast
"Seeing everything laid out monthly made it easier to decide what mattered. We realised we were paying for three different music services when one would do. Small change, but it adds up over a year."
Three Months of Data, One Clear Picture
We don't need fancy software or complicated systems. Just your bank statements and some honest conversation about what matters to you.
- Review spending across all accounts and cards
- Categorise expenses into essential, helpful, and optional
- Identify patterns you might not have noticed
- Build a realistic budget based on your actual behaviour
- Set up simple tracking for the next quarter
Sessions start in October 2025 for new clients. We work with households across Australia, with a focus on the Gold Coast and Brisbane regions.
Get Started