Solution finder
It all starts with a goal, what's yours? Buy or build my first home and
edit

Gaining control of cash is the starting point for financial security.

Take a look at what it takes to put cash back in your pocket.


Have you ever wondered “Where does all my money go?” If that sounds like you, you’re not alone.

It’s easy to think that earning more would solve a lot of financial problems. But it can be a matter of making better use of the cash you have.

Sensible cash management is a basic building block of wealth, and a key starting point in your journey to financial security.

Your budget – the foundation of cash management

A household budget is a key tool to gain control of your cash. Not only does a budget show if you are overspending, it also lets you plan ahead for major expenses so you won’t need to rely on credit cards when bills arrive.

Your budget can also show how much you can comfortably allocate to saving and investments on a regular basis. From here, it’s much easier to develop the habit of growing a portfolio of investments.

We can develop a budget that suits your lifestyle, and partner with you to ensure you stay on track to manage your cash over time.

Establishing goals

Research shows we’re often more motivated to manage our cash flow when we have goals to work towards.

You may be looking at ways to make the most of your cash in order to fund your children’s education, invest in property, or grow a retirement nest egg. Whatever the case, we can help you determine how much of today’s cash needs to be invested to achieve your goals for tomorrow – while still leaving enough funds for you to enjoy a quality lifestyle today.

Investing for cash flow

Investments can deliver capital growth (a rise in market value) as well as ongoing returns like say, rent on an investment property or dividends from shares.

It’s worth speaking to us about the type of assets you invest in, as this can impact your cash flow. Investments with a focus on regular returns for instance, can boost your cash resources.

Part of the beauty of growing a portfolio of investments is that you will benefit from the ongoing gains. And by aiming to reinvest all or part of your returns, you are well-placed to benefit from compounding, so you need to tuck away less over time to achieve your goals. We can explain how a pattern of reinvestment can work for you.

Money Track – a smart way to manage cash

We invest time into understanding your lifestyle needs and financial position, and we back it up with state of the art MoneyTrack software that can bring together all your personal financial information in one online location.

MoneyTrack makes it easy for you to understand how much money is coming in, how much money goes out, and where you stand financially. And by folding multiple accounts into a single place you can easily see how well you are managing your money with a complete financial picture.

It’s a great way to get on top – and stay on top – of your cash flow.

What do I need to know?


Handy calculators

Handy calculators such as the 'achieve savings target' calculator might help work out what you need to get back on track.

Tips for cutting down on spending

Our handy tool can estimate how much you're spending every year on the little items, and how much you could save by finding cheaper alternatives!


Find out more

Find out about our cashflow coaching tool

How can an expert help me?


Understand your goals

Meet with you to understand your financial objectives and work out how you can make your money work harder for you.

Work out helpful strategies

Based on your goals and your budget, work out some simple strategies to take financial control and start ticking off your personal wish-list.


Find an Expert

Things can change quickly in the market.

Subscribe and stay informed with news, rates and industry insights.