"MONEY IS ABOUT PSYCHOLOGY. ONCE YOU ARE IN THE RIGHT MINDSET, THE REST FALLS INTO PLACE." - RAMIT SETHI

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    Strategic Budgeting

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    Loan & Debt Management

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    Growing Savings

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    Estate Planning

  • 👴🏻

    Retirement Plan

  • 📈

    Investments

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    Insurances

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    Conscious Spending

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    Income Management

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    Salary Increase

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    Financial Goal-Setting

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    Passive Income

  • 💳

    Credit Cards Usage

  • 👩🏻‍💼

    Company Registration

  • 🥷🏼

    Tax Relief & MGMT

  • 👩🏻‍💻

    Revenue Streams

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    Income

  • 🛒

    Spending

  • 💰

    Savings

  • 📈

    Investments

  • 🛡

    Protection

Smart personal finance involves developing strategies that include budgeting, creating an emergency fund, paying off debt, using credit cards wisely, saving for retirement, and much more. We can help you define a strategic plan of action to live a rich life today and tomorrow.

Conscious Spending Plan

Involves 4 major buckets of where your money will go :

  • Monthly Fixed Costs (50%-60% of Take-Home Pay)

    The must-pay or basic expenses - 50% to 60% of your take-home or after-tax pay. Examples : Rent / Mortgage, Utilities, Cell Phone Bill, Car Payment, Public Transportation, Gas, Groceries, Debt Payments (incl. Student Loans), Insurances. Additionally, add 15% for expenditures you haven't counted yet (E.g., car repair, which can cost €400 each time... that is €33 a month; or dry cleaning, or emergency medical care, etc).

  • Long-Term Investments (Min. 10% of Take-Home Pay)

    This bucket includes the amount you will send to your 401K, Roth IRA, PRSA, every month. Any kind of investment you have, retirement or non-retirement. A good guideline is to invest at least 10% of your take-home or after-tax pay. Of course, the more, the better because this is where the real wealth is created.

  • Savings Goals (5%-10% of Take-Home Pay)

    This bucket includes short-term to mid-term savings goals. Example : Holiday Gifts, Vacations, Wedding, Down Payment (House). Basically, any money that you are going to need between 1 to 5 years. Any shorter than that, you should just have it sitting around and spend it when you need to. Any longer than that, you are likely want to invest it. My suggestion is to target at least 5% to 10% of your take-home or after-tax pay.

  • Guilt-Free Spending (20%-35% of Take-Home Pay)

    This bucket is the fun money, the stuff you can use for anything you want, guilt-free. That could be restaurants, bars, taxis, movies, shopping, travel, anything! Depending on how you structure your other buckets, a good guideline is to use between 20% to 35% of your take-home of after-tax income for guilt-free spending. This is a lot of money!

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