Achieving financial goals starts with setting the goals and having a budgeting and cashflow plan. This is true whatever your income.
At Guide Financial, budgeting and cashflow are about the levers we can apply to achieve big picture goals while having discretionary funds for what you truly value in life and what brings your joy. For many of our clients, budgeting and cashflow lead to high five celebratory milestones – think bucket list – as well as being able to enjoy those little things each week and month that they treasure.
Importantly, by getting budgeting and cashflow right you can have the confidence of knowing what you can spend and enjoy each year from this year though to retirement. Limiting your life too much in the here and now to find out you have more than you need in retirement is no fun and not the way to live your life. The opposite is equally true, a lean retirement can be extremely difficult. We are about getting the balance right.
In our experience, it’s not so much what you earn but your budgeting and discipline that can make the biggest impact on creating a solid financial footing. And with easy access to credit cards, after pay and PayPal, it can be harder than ever to stay on top of your money as you don’t process the handing over of cash in the same way. That is why we offer a Budgeting & Cashflow Management Service to help with budgeting and planning around discretionary income, which typically changes as you go through life.