Your Financial Planning Toolkit
Real resources built from years of working with Australian families who wanted to understand money better
We've put together these materials after countless conversations with people who felt overwhelmed by financial jargon. Everything here is written in plain English because understanding your money shouldn't require a finance degree.
Budget Planning Guides
We noticed most budgeting templates feel too rigid. Ours adapt to irregular income and unexpected expenses because that's real life.
- Monthly tracking sheets that actually make sense
- Variable income calculators for freelancers
- Emergency fund planning worksheets
- Expense category breakdowns (Australian-specific)
- Goal-setting frameworks that aren't overwhelming
Learning Modules
Short lessons you can finish during your lunch break. Each one tackles a specific question we've been asked hundreds of times.
- Understanding superannuation basics
- Tax deductions most people miss
- Insurance types explained simply
- Investment fundamentals (no hype)
- Debt management strategies that work
Interactive Tools
Calculators and planners you can use right now. We built these after seeing people struggle with generic financial tools.
- Home deposit timeline calculator
- Retirement savings projections
- Debt payoff comparison tools
- Cash flow forecasting spreadsheets
- Financial goal priority matrix
Resources Built from Real Conversations
Every worksheet, guide, and calculator here came from actual client questions. We've been running financial education workshops in Wollongong since 2019, and these materials reflect what people actually need — not what textbooks say they should want.
Our team reviews everything quarterly because Australian financial rules change, and outdated information helps nobody. We test new resources with small groups first, which is why they're practical instead of theoretical.
Thea Bergström
Content Developer
Kira Lundqvist
Workshop Facilitator
How Sienna Changed Her Money Story
A real example of someone who used these materials to shift from confusion to confidence
Starting Point: Overwhelmed
Sienna came to us with credit card debt, no emergency fund, and genuine anxiety about opening her banking app. She'd tried budgeting apps before but found them too complicated.
Her main challenge: "I don't even know where my money goes. By the time bills are paid, there's nothing left, but I can't figure out why."
Building Foundations
Started with our simple expense tracking sheet — just three categories to begin. After two weeks, patterns became obvious. Subscriptions she'd forgotten about, regular coffee purchases that added up.
The breakthrough came when she realised budgeting wasn't about restriction. It was about choosing what mattered most to her.
Gaining Momentum
Used our debt payoff calculator to create a realistic plan. Started with the smallest card first — psychological wins matter. Meanwhile, built a small emergency buffer of 500 dollars.
Her comment: "Having even a tiny safety net changed everything. One unexpected car repair didn't derail my whole month."
Current Position: In Control
Two credit cards paid off. Emergency fund at 2800 dollars. Starting to explore our superannuation modules because she's thinking ahead now instead of just surviving.
Sienna now helps her sister understand budgeting basics. That's when you know someone's genuinely confident — when they start teaching others.
