Money decisions that actually make sense
We help Australian households figure out where their money should go first. No jargon, no complicated spreadsheets — just clear guidance on getting your budget priorities straight.
Talk to us about your budgetThree areas we focus on
Most people get stuck deciding what to pay off first or where to put savings. We break it down into manageable pieces.
Debt ordering
Credit cards versus car loans versus mortgage. Which one deserves your extra payment this month? We help you look at interest rates and payment terms in a way that saves you money.
Emergency buffers
How much cash should sit in your savings account before you tackle other goals? We work through your specific situation — job stability, family needs, and what keeps you up at night.
Investment timing
Should you invest while carrying debt? When does super deserve extra contributions? These questions don't have one-size-fits-all answers, and we don't pretend they do.
How we actually work with you
Most financial advice either oversimplifies things or drowns you in technical details. We sit somewhere in the middle. You'll understand why we're suggesting what we're suggesting.
Our sessions start with your current situation — what you're earning, what you're spending, and what's worrying you. Then we map out priorities that reflect your life, not some textbook scenario.
- Look at your complete financial picture together
- Identify what should get attention first and why
- Create a realistic timeline for different goals
- Adjust the plan as your circumstances change
What happens when you work with us
The process isn't complicated. Most people get clarity within a few weeks and keep checking in as things change.
First conversation
We spend about an hour going through your finances. Bring whatever information you have — bank statements, loan details, super statements. No need to have everything perfectly organized.
Priority mapping
Within a week, we send you a straightforward document showing what to focus on first, second, and third. It includes the reasoning behind each recommendation so you can make informed decisions.
Implementation support
Most people have questions once they start following the plan. We're available for check-ins as you work through the priorities. Some clients talk to us monthly, others quarterly — depends on your situation.
Ongoing adjustments
Your income changes. You have a baby. Interest rates shift. Life happens, and your budget priorities need to adapt. We update your plan whenever your circumstances change significantly.
I was putting extra money toward my mortgage while carrying a credit card balance at 21% interest. Felt ridiculous once someone actually explained the math to me. Three years later and we've cleared all consumer debt and built up six months of expenses in savings.
The advice wasn't revolutionary — it was practical. Focus on this first, then that. Stop trying to do everything at once. Having someone lay out a sequence based on my actual numbers made everything less overwhelming. Still working through the plan but actually making progress now.
Get your priorities straight
Book a session for late 2025 or early 2026. We'll go through your finances and create a priority roadmap that makes sense for your situation.
Schedule a consultation