Wallet Audit

Service Description

Getting unstuck with money doesn't begin with another budget, savings goal, or investment idea. Those only work once you understand your whole financial reality. You need to know: • The accounts you have, and what each one is for • How much money comes in and on what schedule • What your income must cover before spending begins • Where your money is actually going between paycheques • How savings, debt, and cash flow fit together as a system Without this information, every plan is built on assumptions, and every strategy relies on hope. The Wallet Audit replaces guessing and blind aspirations with financial FACTS. We review your entire money setup, including: • Bank and credit accounts • Income and pay schedules • Committed expenses • Spendable expenses and spending patterns • Savings and investments • Debt and cash-flow impact • Your overall financial position We organize it all, make sense of it, and show you what actually matters. What you get • A full review of your accounts, expenses, and spending • Identification of inefficiencies, gaps, and pressure points • A written summary with precise observations and recommendations • A 60-minute review meeting to walk through everything together • One round of follow-up edits or clarifications • Expert answers to any personal finance questions. This is for you if… • You earn enough income and believe your financial situation should be better. • Your bills are paid, but the rest of your money feels like a free-for-all • You have multiple accounts and cards without a clear purpose • You don’t know which parts of your money actually need your attention • You second-guess what you can afford • You don't always know where your money goes • You want to improve your financial situation and don't know where to start. *We start with a 30-minute introductory call to talk through the details.