PERSONAL BUDGET & MONEY MANAGEMENT
With a tailor-built budget and regular updates, you will always see how much money you have, how much you can afford to spend. Having a better understanding of your monthly budget will help you build a more secure financial future.
WHY WOULD YOU NEED PERSONAL BUDGETING?As a self-employed/freelancer, you cannot rely on a constant stream of income and forecasting is very important to avoid going into debt You need to plan your savings and holidays as they are not supported by an employer You do it yourself as your business is too small to hire an ongoing financial person
WHY WOULD YOU CHOOSE OUR SERVICE?
You need a template that is customised to your own particular situation and offers enough flexibility to change it and update it
You need a service that doesn’t charge you a high amount upfront while still gives you the tools from the very beginning
You need someone to build/review the template for you and support you through the process until you are able to use and update it yourself independently
WHAT DOES THE SERVICE INCLUDE?– 1 x Excel template that is customised for you and with you during online meetings to make it understandable and easy to use – it includes one-year budget planning (calendar year or fiscal year) using real-life data (bank downloads) and monthly and quarterly dashboards – 3 x monthly meetings in the first three months to update the template with actuals and make sure it reflects your needs entirely for you – 2 x subsequent quarterly meetings to update the template and make sure it works for you – 1 x final meeting at the end of the year to review results and set up the budget for next year
WHAT OUR CLIENTS HAVE TO SAY
Adina's skilful number-crunching helped me realise where I needed to train my marketing efforts, what I needed to cultivate, and what I needed to be mindful of as a solopreneur. Her service at a time of great uncertainty was reassuring, and it gave me a clear way forward that continues to guide my business decision-making.
I asked Adina to work on my personal budget when I transitioned from full-time employment to self-employment. As monthly income fluctuations kicked in, it became crucial to know where the money comes from and where it goes and plan for the unexpected. Adina took time to understand my goals, helped me set up a budget forecast to identify all of my financial commitments for the coming year, broken down into months. She instantly puts me at ease with her down to earth approach and sense of humour.
FREQUENTLY ASKED QUESTIONS
I have an app that manages my money – why would I need your service?
Apps are also general to fit the entire population. If you have specific categories of expenses that you want to monitor, you still need first to analyse your data to know how to set it up as the automatic reading of receipts may work against specific categorisations.
Finally, apps don’t teach you finance and don’t help you stay out of debt.