Personal Cash Flow Planning
Personal cash flow planning starts with one question: where should your next dollar go? The offset, super, shares or property? You can’t answer that until you know where your money is going now. Once you can see your cash flow clearly, you’ll know how much you can invest, how much debt you can comfortably carry, and whether you’re actually getting ahead.
Then we help you set up the accounts and automatic transfers to keep it running. That way your money goes where you’ve planned each payday without you having to think about it.
We work with professionals and families on good incomes who want a clearer plan for their household’s money. You might:
earn well but not see it building up
have had a big change, like a new baby or dropping to one income
get a bonus or pay rise and not be sure what to do with it
want you and your partner working from the same plan
run a business or work for yourself, and want your household money kept separate and on track
want a step-by-step plan and someone to help you stick to it
Who We Help
What We Help You Set Up
A spreadsheet for your household, with your income, spending, bank accounts, debts, super and investments in one place. We set it up with you, you keep it up to date as things change, and the rest of your plan builds on it.
Before we meet, you fill in your spending by category: what you've spent, what's likely to continue and what needs to change. Together we turn it into a spending plan you can live with.
We set a target for each account, such as your emergency cash and savings for a home upgrade or renovation, and work out how much goes to each from every pay.
You set up regular transfers in your own banking, so money moves to each account every payday and savings happen before there's a chance to spend them. We help you work out the amounts and the order.
We turn your goals into a plan with each step in order: what to do first, what comes next and why. When extra money comes in, such as a bonus or a pay rise, you'll know where it fits.
If you choose ongoing advice, we agree how often we meet, bring your worksheet up to date with you before each review and check your progress against the plan. You can also get in touch between reviews if something comes up.
Once you know what's left each month, you can decide where it goes first. The right order depends on your goals, your debts and when you'll need the money. Before anything else, we check you have cash set aside for emergencies.
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Yes. We work with both of you together, so you're working from the same plan.
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Budgeting is part of it. The plan also covers where your surplus should go, in what order, and the set-up that keeps it running.
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Yes. Some people want a plan set up once. Others want ongoing support with regular reviews. If you choose ongoing advice, it's agreed in writing, you renew it each year, and you can end it at any time.