Budgeting & Cash Flow

Achieving financial security starts with getting your budgeting and cash flow under control.

All it takes is a little bit of help.

Maybe you’re dreaming of owning a home or want to start building an emergency savings fund for life’s unexpected financial challenges.

But how can you think about your long-term goals when you’re struggling to pay the bills?

Four words: Creating an achievable budget.

Creating a budget that you’ll be able to stick is the cornerstone of any successful financial plan. When you combine a realistic budget with a positive cash flow, you lay a strong foundation for new opportunities to start growing your wealth.

Don’t worry, it’s not impossible – My Wealth Solutions is here to help.

We understand that figuring out how to create the right budget for your financial circumstances can feel a bit overwhelming.

That’s why we’re dedicated to helping you define a realistic, achievable path to get you from where you are now to where you want to go.

How We Can Help

My Wealth Solutions provides clear, expert advice designed to help you take the first step on your financial journey with confidence.

We take the stress out of the situation by creating a realistic budget focused on helping you tackle your financial challenges.

We work together to create a manageable budget tailored to your situation. Then, we make sure that your cash flow is allocated correctly to help you meet your financial goals.

Are you struggling to balance your lifestyle with your income and financial goals?

Our team of expert financial advisors can help you identify areas where you could cut back to improve your cash flow.

Do you want to create savings goals but don’t really know where to start?

My Wealth Solutions can help you define clear goals that will support you into the future.

Our services also include:

Helping you understand how to budget effectively
Designing forced savings plans
Helping you to stick to your savings goals
Creating pathways to grow your wealth
Implementing practical ways to pay off your debt

We are also experienced in helping those with complex income streams make sure your cash flow is helping you to reach your desired financial future.

All you need to get there is expert guidance from a team of experienced, no-nonsense professionals.

We can provide that guidance.

I want to sort out my budget

We’re glad to hear it!

Our team of expert financial advisors are here to help you create a budget you’ll be able to stick to and ensure that your cash flow is under control.

Get In Touch With A Financial Advisor Today

Learn More About Budgeting & Cash Flow

What is personal cash flow management and budgeting?
Cash flow management and budgeting are based on one fundamental principle: it is better to have more income coming in than there are expenses going out.

This is the process of tracking exactly how much money is coming in and how much is going out. This process works together with budgeting to give you a comprehensive view of your personal financial situation.

But income doesn’t just mean money earned from a traditional salary or hourly wage.

It can also include:
- Money earnt through freelance or contract work
- Child support
- Pensions
- Investments
- Dividends
- Government payments
Cash flow management and budgeting tend to go hand in hand.

For example, if you know when your bills need to be paid and exactly how much money you’ll need to pay them, you’ll be able to allocate the rest of your income accordingly.

By creating a budget tailored to your financial circumstances, you’ll be able to start taking tangible steps towards achieving your short, medium and long-term financial goals.

Getting your budget and cash flow management practices under control are the first steps in relieving the stress that comes with financial uncertainty.
The benefits of establishing an effective budget
Creating positive personal cash flow management practices and sticking to a defined budget is an all-important beginning of the journey to financial security.

After all, you may struggle to grow your wealth when you’re constantly operating out of a budget deficit.

Achieving financial peace-of-mind is just one benefit of getting your budget and cash flow sorted.

It can also help you:
- Pay off outstanding debts
- Start building emergency savings
- Achieve those long-term financial goals you never thought you could
With the implementation of both a realistic budget and good cash flow management practices, you’ll be able to tell exactly where you can begin to grow your wealth.

CLIENT TESTIMONIAL

I was referred to My Wealth Solutions during an informal conversation with an acquaintance about consolidating superannuation accounts and financial advice in general. After some research, my wife and I decided to contact My Wealth Solutions and signed up. Following a number of friendly, focussed and professional conversations with Nikki about financial goals and priorities, My Wealth Solutions presented us with a well-researched and comprehensive report that detailed a number of options that we could consider. My wife and I have since decided which options and financial goals to pursue, and have been impressed with the prompt, courteous and professional service provided by Nikki and her team.

Joerns

CLIENT TESTIMONIAL

My accountant recommended a meeting with MWS and it is one of the best decisions I’ve made. From the first meeting Nikki made me feel comfortable and did not pass judgement when going through my initial financial situation. She has helped me with setting up financial goals and the steps to achieve them. I would highly recommend Nikki and her team at MWS!

Steph B

CLIENT TESTIMONIAL

Starting my career and a full time job for the first time I wanted to see if I could improve my budgeting and overall wealth management. Nikki really helped me to establish a clear vision for my wealth goals and a strict but realistic budget. I thought I was pretty good with money and handling it but I’ve definitely been able to take it to another level with her help and the team at My Wealth. Learning about Super and the pitiful level of cover I had from the insurances I had at the time really opened my eyes. Wealth management is an important part of our lives and I would recommend to anyone to book in for a meeting with Nikki.

Andrew E

CLIENT TESTIMONIAL

I was recommended Guy Freeman’s help with planning my financial future, and am very satisfied and reassured by his input over the last couple of years. I’ve actually received more input than I thought possible…sound investments; making a will, life insurance, income protection insurance, and realistic plans for retirement… I feel ‘looked after’ by this company, and excited about my financial future.

Jack H.

CLIENT TESTIMONIAL

Changed to Ben and the guys at My Wealth and have found them very active in setting up my finances after years of neglect. I liked that Ben challenged our thinking, was flexible in setting up our finances, and the team were very active in setting everything up.

Steve F.

CLIENT TESTIMONIAL

MWS have been great, they got our super sorted out and made sure our insurances are in tip-top shape if anything were to happen. I highly recommend their services to anyone who hasn’t put any time or thought into their financial strategy for the short and long term.

Dan S.

CLIENT TESTIMONIAL

Our experience has been very positive. Ben has set us up for our future and now we can feel satisfied knowing that we have our finances in good hands. We no longer stress about what we or our family would be financially accountable for should something happen to any of us. Thank you again.

Darron & Michelle H.

CLIENT TESTIMONIAL

The team were very knowledgeable and took the time to ensure our needs were understood. Guy put forward some options to help us achieve our goals and set us up for a solid future.

Jagmeet V.

award winning and highly recommended