1. Step 1

   Quick Chat

   ‘You Are Here‘, and this is where we start our journey.

   At Bright Spark Money, we don’t suggest one of our services or programs without getting to know you and what your money goals are first.

   In our initial chat, we want to find out about yourself, what you are looking to achieve then see how we can help. We’ll also give you an in-depth overview of our entire process.

2. Step 2

   Goal Planning Session

   To truly help you, we need to have a firm understanding of where you have financially come from and where you want to go in the future so that we can establish a realistic program that best suits your individual style.

   We will do this over a personalised face to face Goal Planning Session where over an hour we go through:

   – a future map of your Lifestyle Goals, ordered by importance, and stress-tested against your values
   – a comparison of how your spending plan compares against our Bright Spark Money “Coached” peer group
   – A projection of when you are likely to pay off your home loan or other debt based on your budget.

3. Step 3

   Money Management Program

   Once we’ve laid the groundwork on where you are now and what’s important to you, we move into solution mode.
   In our Money Management Program, we create your Living Expenses & Lifestyle Spending Budget.

   In this plan you’ll get:

   – A 90-minute coaching session around our Best Practice Model
   – Creation of your Savings Plan
   – Personalised Report
   – Review of your current banking structure
   – Explore your ideal Banking Structure
   – Creation of your own Moneysoft Account
   – and Complimentary Debt Reduction Plan or 1 Goal Action Plan 

4. Step 4

   Goal Action Plan

   If you’re working towards a specific goal or have a major life event coming up, it can be pretty daunting not knowing what you need to do to prepare financially. We will tailor a specific money plan towards your goals, commonly this would include:
   – Property Purchase / Renovation
   – How much can we “really” afford to spend/borrow?
   – Parental Leave / Return to work
   – How much will be needed, what will our Money Plan look like after we have kids?
   – Child Care / School Fees – How much can we afford to save/spend?
   – What impact will an investment property have on our lifestyle?
   – When can we plan for an overseas trip or a lap of Australia?

5. – Step 5

   Accountability and Success

   Bright Spark Money will keep you on track and ensure that you are making smart, informed decisions with your money. We offer three different levels of support and accountability 

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