Cashflow is the engine every other plan runs on. Get the monthly surplus right and debt, investing and retirement all become arithmetic.
Start here and work through it.
Step-by-step explainers that take a topic from first principles to a decision you can act on.
Cashflow management
The cashflow equation, and the three measures that show whether your cashflow is healthy: savings rate, debt service ratio and quick ratio.
Read the guideGuide to personal budgeting
The 5 Rs of effective budgeting — record, reallocate, reinvest, review, reward — with the expense categories, recording methods and review checks that make one stick.
Read the guideWays to cut living costs
Three strategies — cut wastage, get a better price, switch to lower-cost options — costed out, with what each one is worth over a year.
Read the guideNot sure where to start?
Take the free financial health check. Ten minutes, six areas, and a plain-English report that tells you which of these topics will make the biggest difference to you first.
Keep reading.
These guides and articles contain general information only. They do not take into account your personal objectives, financial situation or needs, and they are not a recommendation to buy or hold any financial product. Consider whether the information is appropriate for you, and seek personal advice before acting.
A financial wellbeing platform designed to help you understand your full financial picture. Built in Australia, for everyday Australians.
Evolucian Pty Ltd trading as "Transfigr" (Corporate Authorised Representative No. 1307597) is authorised under Financial Mandate Pty Ltd ABN 75 686 236 180 (the Licensee), the holder of Australian Financial Services Licence No. 700151.