meruariyzo - Monthly financial planning for smarter money decisions

What Our Clients Are Saying

Sarah Chen

Small Business Owner

The monthly check-ins have completely changed how I think about money. Instead of avoiding financial decisions, I actually look forward to our sessions. My consultant explains everything in plain English and never makes me feel stupid for asking questions.

Marcus Thompson

High School Teacher

I was drowning in conflicting advice from different sources. Having one trusted person to bounce ideas off each month has been game-changing. The subscription model means I'm not worried about hourly fees every time I have a question.

Emma Rodriguez

Marketing Manager

Finally, financial planning that doesn't feel like homework! My consultant remembers our previous conversations and builds on them. It's like having a financial buddy who actually knows what they're talking about.

Questions You Might Be Wondering About

How exactly do the monthly consultations work?

Each month, you'll have a scheduled consultation session where we discuss your current financial situation, review progress on previous goals, and address any new questions or challenges. Sessions are conversational and focused on practical guidance rather than formal presentations. You can ask anything—from budgeting concerns to major financial decisions you're considering.

What if I miss a monthly session or need to reschedule?

Life happens, and we get that! You can reschedule your monthly session with reasonable notice. If you miss a month entirely, we don't penalize you or make you lose that consultation. We'll simply pick up where we left off the following month and adjust our discussion accordingly.

Do you sell financial products or earn commissions?

No, we don't sell financial products or earn commissions from recommendations. Our only income comes from your monthly subscription fee, which means our advice isn't influenced by sales targets or product quotas. This keeps our guidance genuinely focused on what makes sense for your situation.

What kind of financial situations do you help with?

We work with people in various financial stages—from those just starting to get organized with basic budgeting to individuals dealing with more complex decisions about major purchases, career changes, or financial goal setting. Our approach adapts to where you are right now, not where we think you should be.

Can I cancel my subscription anytime?

Absolutely. You can cancel your subscription at any time without penalties or lengthy explanations required. If you cancel mid-month, you'll still have access to support until your current billing period ends. We believe in earning your continued business through value, not contracts.

Latest Updates & Insights

Person reviewing financial documents with calculator and coffee

Making Sense of End-of-Year Money Decisions

September 15, 2025

As we approach the end of the financial year, many Australians are scrambling to make last-minute decisions. Here's how to approach year-end planning without the panic, including practical steps you can take now to set yourself up better for next year.

Modern workspace showing financial planning charts and graphs

Why Traditional Financial Advice Isn't Working

September 8, 2025

The one-size-fits-all approach to financial advice is failing Australian families. We explore why personalized, ongoing guidance is becoming essential and how the subscription model is changing the way people access financial support.

Person having a video consultation on laptop in comfortable home setting

The Real Cost of Financial Stress

September 1, 2025

Recent studies show financial stress affects more than just bank accounts—it impacts relationships, career decisions, and overall wellbeing. Learn about practical strategies for reducing money-related anxiety through better planning and communication.

Why This Approach Actually Works

No Sales Pressure Ever

We're not trying to sell you financial products or earn commissions. Your monthly subscription covers everything, so our conversations focus purely on what makes sense for your situation—not what benefits our bottom line.

Consistent Support

Financial questions don't follow a schedule, but having regular monthly touchpoints means you're never stuck wondering about decisions for months at a time. Plus, your consultant remembers previous conversations and builds on them.

Real-World Focus

Forget abstract theories and complex charts. Our discussions center around practical decisions you're actually facing—like whether that career change makes financial sense or how to handle unexpected expenses without derailing your goals.

Plain English Explanations

We explain financial concepts in normal language without industry jargon or condescending oversimplification. If something doesn't make sense, we'll find a different way to explain it until it clicks.

Flexible and Personal

Your financial situation changes, and so do our conversations. Some months we might focus on budgeting basics, other months on major decisions. The guidance adapts to what you need right now, not a predetermined curriculum.

Affordable Ongoing Access

Traditional financial consultations can cost hundreds per session, making regular guidance unaffordable for many people. Our monthly subscription model gives you consistent access to professional insight without the sticker shock.

How It Works - Simple as That

1

Subscribe and Schedule

Choose your plan and book your first consultation session. We'll send you a simple questionnaire to help us understand your current situation and what you'd like to focus on initially.

2

Have Your First Chat

During your initial consultation, we'll get to know your financial landscape and discuss what's most important to you right now. No judgments, no pressure—just honest conversation about where you are and where you'd like to be.

3

Monthly Check-ins

Each month, we'll schedule a follow-up consultation to review progress, address new questions, and adjust strategies based on any changes in your situation. These sessions build on each other over time.

4

Ongoing Support

Between scheduled sessions, you can reach out with urgent questions or concerns. While we can't provide daily support, we're available for significant decisions that can't wait until your next monthly consultation.

Upcoming Events & Workshops

Group of people attending financial planning workshop in modern conference room

End-of-Year Planning Workshop

October 15, 2025

Join us for a practical workshop on making smart financial decisions before the year ends. We'll cover tax considerations, goal review strategies, and how to set yourself up for success in 2026. Limited seats available for current subscribers.

People networking at informal financial literacy meetup

Client Meetup - Melbourne

November 12, 2025

An informal gathering for current clients in the Melbourne area. Share experiences, ask questions in a group setting, and connect with others on similar financial journeys. Light refreshments provided, no sales presentations.

Quick Money Tips That Actually Help

The 24-Hour Rule for Non-Essential Purchases

Before buying anything over $100 that wasn't planned, wait 24 hours. You'll be surprised how many "must-have" items lose their appeal after a day. This simple pause can save hundreds each month without feeling restrictive.

Review Bank Statements Like a Detective

Spend 10 minutes monthly looking for subscription charges or fees you don't recognize. Many people discover forgotten services or unauthorized charges that have been draining their accounts for months. Small amounts add up quickly.

Set Up Automatic Savings Transfers

Instead of promising to save "whatever's left" each month, automate a small transfer to savings the day after payday. Even $50 monthly builds habits and emergency funds. You can always adjust the amount later as your situation improves.

Smart Financial Planning Made Simple