If you're living paycheck to paycheck, struggling to save, or feeling anxious about money decisions, that's usually a good sign. Most of our clients come to us when they realize they want to stop worrying about money all the time.

Track everything for two weeks. Don't judge, just write down what comes in and what goes out. You can't fix what you can't see, and most people are surprised by what they discover.

Most people notice a difference in their stress levels within the first month. Building solid financial habits typically takes 3-6 months, depending on your starting point and how consistent you are.

Not at all. We work with people earning k and people earning 0k. The principles are the same - it's about making your money work better for you, regardless of the amount.

Most people fail at budgeting because they try to be too restrictive. We focus on realistic plans that fit your actual life, not perfect spreadsheets that look good but don't work.

Simple works better. Track your big categories first - housing, food, transport, savings. Once those are solid, you can get more detailed if you want to.

Build them in. Car repairs, medical bills, family emergencies - they're not really unexpected if you know they'll happen eventually. We help you plan for the unplannable.

Whatever helps you stick to your plan. Some people need the physical reality of cash, others prefer the tracking that comes with cards. There's no right answer, just what works for you.