I love what I do but I don’t seem to get ahead financially. I made the mistake of relying on credit cards for several years and I find it almost impossible to get out of it.

Since we have had kids, our expenses have increased, and our income has decreased. We have gone from having a credit card to make life easier to having to get a new card every time our limit has been reached.

I get paid monthly (or fortnightly) and my income just doesn’t seem to stretch out to what I need. I have plans and goals I want to reach but I never seem to have the time to work out how to get there.

I work in a high-pressure job and my time is really important to me.

Spending 45 minutes on hold to find out why my water was billed incorrectly is not something I want to do.

We have started a family and we're looking forward to another baby on the way. Managing the day-to-day takes our full focus.
We need a way to secure our long-term financial goals while budgeting the daily expenses to take care of our growing family. Life can be unpredictable, so we also need a solution that will allow us to manage unexpected expenses and protect our financial future.

I have a good job, but since my partner and I have separated, we are no longer sharing expenses and my financial situation has become more difficult to manage.

I have been trying to grow my business but managing my cashflow is getting in the way.

My accountant tells me to put away my GST and PAYG holding contributions, but I almost always fall behind.

We’re looking to retire in the next five years. We have planned well with investments and superannuation, but we need to start thinking about decreasing our expenses as our incomes will drop once we stop working.

Life has been really good to me. I think I’ve handled my money well, but I want to get into the property market and I can’t seem to build up my savings fast enough.

I've settled another investment property today. I am often extremely busy and lose count of the number of bills I get now, and I experience challenges in dealing with the different rental agencies. I dread having to compile everything for tax time.