Consultation
Household budget planning
A practical session that turns bank statements into a monthly plan you can keep when rates, rent, or childcare costs shift.
Who it is for
Households preparing for a mortgage, recovering from a rate rise, or simply wanting clearer monthly control
What you walk away with
A one-page budget with fixed, flexible, and savings pots, plus a three-month check-in call
How we meet
In person or video
Included
- Category mapping from your last three months of spending
- Buffer planning for annual bills and seasonal costs
- Simple rules for overpayments versus emergency savings
- One follow-up call within 90 days
Not included
- Investment portfolio management
- Tax return preparation
How the appointment runs
-
1
Send anonymised spending exports or statements
-
2
We draft a draft plan before you arrive
-
3
You leave with priorities for the next quarter
Preparation
Export or print recent bank and credit-card statements.
Constraints
This is budgeting guidance, not regulated investment advice.