Spending Review

Flat Fee $110

Our spending reduction coaching is focused on helping our clients to review and identify tangible spending cuts that they can make to start working towards their financial goals - be it saving for a home or car, having money to invest, take a holiday or just to start building up some cash to have behind them.

Cutting spending is often the most powerful way to improve your finances and availability of money - yet so many people don't do it properly, and it gives you immediate, guaranteed results and strengthens every other money decision you make. Here’s why it works so well:

It works instantly

You don’t need a raise, a side hustle, or market gains.

If you spend $200 less this month, you have $200 more—right away!!!

Income increases can take months or years - Spending cuts help today.

It builds lasting habits, not one-time wins

A raise can disappear through lifestyle creep.

A spending habit change (like cooking at home or cancelling unused subscriptions) pays off every month, forever.

Every dollar saved is a risk-free return

Saving $1 is the same as earning $1 after tax—with zero risk.

To earn an extra $1, you might need to make $1.25–$1.40 before taxes.

Cutting a $100 expense is like getting a guaranteed raise.

It aligns money with what actually matters

Cutting spending isn’t about deprivation—it’s about cutting low-value expenses so you can spend more on things you truly care about (travel, family, freedom, time).

Ideal to help towards a home loan

Getting your spending under control and cutting wasteful spending can be a good tool in helping you to getting a home loan, showing a pattern of savings and spending restraint, and could help improve a banks view of your ability to service a mortgage.

And the bottom line: You can’t out-earn bad spending habits, but you can out-save almost any income level. And in so many cases you don't have an income problem, you have a spending problem.