MyABC Financial Coach offers a professional service to help people survive and thrive in our new much tighter economy. Due to various reasons such as loss of employment, rising debt levels and/or falling asset values you may have to make dramatic adjustments to get your life back under control. Or as some clients require, you just want help reducing costs, setting up a BUDGET and someone following through with you to help make everything happen.
WE COVER ALL AUSTRALIA (attention Trevor) & NEW ZEALAND (attention Robert)
Where do you start, what can be changed and will you make the necessary hard decisions? We offer a professional coaching service over an initial six month period to help you lock in the changes we recommend and we follow through to support you.
This BUDGET software comes free if you use our professional services!!
If you want immediate BUDGET ASSISTANCE and are confident that is all you need, why not buy our CLIENT BUDGET software package for $79? ($59 if you want a quick test before using our services). We have spent many months developing and improving our software. As a minimum all you need to do is to enter your next 12 months total budget income and expenses and then your weekly, monthly and periodical actual data. We recommend entering your best estimate of last years actual annual totals to act as a guide to this years actuals. Also for a little more effort you can automatically monitor your bank account (including cash), credit cards and other debts transactions and balances. Our program highlights your debits, credits and closing balances each month and differences between actuals and budget. You also regularly see sub-total to help monitor your progress. If you want to buy our software now just click on paying for our services and have your credit card handy. $79 buyers using our website to purchase our BUDGET software also get free answers to any email questions (maxiumum of 3) within 48 hours!!! Plus our free guide to budgeting and how to use our program is included!!!!!
Seeking unbiased help to guide you through these difficult decisions?
WE ARE HELPING FAMILIES & BUSINESSES.
We offer professional help and our goal is to work with you for a minimum of 6 months to enable you to take control of your finances. We are NOT brokers or financial advisers.
If you don’t save 5% within this six month period, there is no charge. If you only want on line and phone help we offer a SPECIAL $150 DISCOUNT off our low fees. This saves us time and travel expenses. We pass these savings on to all our ON LINE clients and you still get the benefits of our software and cost cutting knowledge.
Our process works as follows:
You decide on either a face to face meeting in Melbourne (Aust clients) or Christchurch (NZ clients) or you can email or phone us and then use your PC to download our FACT FINDER form. Once you have made the first step we can immediately start to help you.
Within a few days of receiving your FACT FINDER form we prepare our written recommendations, including budget guidelines.
We then present our recommendations for your consideration including A detailed week by week, month by month BUDGET plan. You keep track of your spending by entering income and expenses into your BUDGET that we set up so that it is easy for you to keep track.
We work with you in the next 6 months to make the changes happen.
You pay our modest fees only when your savings exceed 5%
The following are some of the areas we help FAMILIES:
1. On average, 70% of income is spent on life’s essentials: food, housing and transport. The other 30% is spent on health, education and discretionary items. We carefully examine what you buy, where and how often you buy, to find savings.
2. We review all debts and recommend ways of reducing them and minimising charges. We assist in writing to banks, creditors etc to request payment deferment and fee relief. We check that you qualify for maximum Centrelink entitlements
3. We prepare a 52 week budget for you to regularly update manually or on your PC.
4. We help you stick to your plan. Success comes through planning.
“Whether you think you can, or that you can’t, you are usually right” Henry Ford 1863-1947
Areas in which we help BUSINESSES include:
1. Improving management efficiency of employees, customers, inventory, communication and cash flows.
2. Finance applications, negotiations with banks and credit limits.
3. Highlighting cost inefficiencies in operating costs, deferring expenditure and reducing waste.
4. Optimising suppliers’ terms and improving sales to your good customers.
Want to test us out? Go to our Savings Calculator. Enter your costs and compare against our target costs to see if we can help you.
Initially we discuss where you are currently and the future direction you want to head towards. We ask you to complete our CLIENT FACT FINDER form so that we can understand your current financial position. We also request you to sign our CLIENT ENGAGEMENT AGREEMENT to confirm our appointment to work with you over the next 6 months. We then prepare our best recommendations for you to help you to bring your life back under control. This includes preparing your CLIENT BUDGET PLAN.
We look at everything you spend money on from the big spending areas of housing, transport and food to personal areas such as recreation, health, entertainment and clothing. We review your sin spending on alcohol, tobacco and gambling. We also examine the bigger items to find savings including your debts, your home and vehicles.
At our second meeting we go over everything point by point so that you understand our recommendations. We calculate the estimated value of the savings over the initial six months and we work with you on those recommendations. The final step in our process is the most important. You need to be fit and mentally sharp to make the decisions necessary each day to make the changes. We work with you regularly to review progress and encourage you all along the way.
You may ask what does all this cost? We confidently predict that our modest hourly rates for the work we do will be more than compensated for by the savings you make in the six months of following our program. We will refund our fees if you do not make 5% pa savings during the first six months. For example if your total expenses are $60,000 pa you need to save at least $3,000 before you pay our fees. If you only save $1,000pa you pay nothing. If you save $10,000 you still only pay our agreed standard fee.
We also offer a super service where you pay us a flat 15% monthly of all your savings made over the initial 6 months. This is useful for certain clients who require a higher time allocation in a short period to achieve savings they require immediately.
We offer two family services:
$590 standard service - Our standard service involves all the steps in the premium service except we do not include the extra time of writing to banks etc or reviewing your Centrelink benefits or reviewing all assets and liabilities.
$890 premium service - Our premium service includes writing to firms and banks to whom you owe money and we use our best endeavours to help you negotiate repayment deferral or full or partial debt write off. We examine whether you are entitled to claim any Centrelink benefits and assist with any claims.
The program is for life and once you have successfully completed your 6 month apprenticeship you have the option to continue to enjoy our coaching process. So, if you still need further guidance we offer our maintenance service at $190 for every 6 month period. This an opportunity to continue to access our advice and receive our regular money saving suggestions.
We also offer a combined standard home and business service that includes the standard home service plus a review of your business areas including banking, working capital requirements and overall business efficiency for $890. We also offer a premium home and business service that includes the home premium service and a more thorough examination of everything to do with your business, for $1290. If you want two businesses reviewed our total premium fee is $1890. Again we offer our no net cost guarantee unless you make 5% - so that if your savings are below 5% then you pay us nothing.
We offer two BUSINESS SERVICES
The PREMIUM BUSINESS Service covers almost everything to do with running a small to medium size business including marketing, working capital analysis, all expenses thoroughly reviewed, gross margins improvement, review of all assets and liabilities plus productivity of owner and staff. The STANDARD BUSINESS Service excludes marketing, productivity and asset and liability review but still focusses on the most important area of working capital and gross margins.
Refer to section entitled "Helping Businesses" for further information.
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Disclaimer
It is important that all our clients understand our disclaimer for our advice. Although we offer our best endeavours to assist you, all decisions made are your sole responsibility and we cannot be held liable for the outcome. We act ethically and morally, but cannot accept any liability for any losses or any adverse happenings that may occur as a result of any advice given. To the maximum extent permitted by law, MyABC Financial Coach disclaim any liability for any loss or damage which maybe suffered by any person through the use or reliance of anything in this presentation or from acting on our advice. In all dealings with users and clients to the extent legally possible, we offer due care but can accept no responsibility for any outcomes.
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“Whether you think you can, or that you can’t, you are usually right” Henry Ford 1863-1947
In summary, we review your current situation, we prepare recommendations and we coach you to change your life. We take a holistic view of our engagements and target 20% savings so that you really will notice a difference.
