Track My Spend is a CPA-led Private Household Cashflow practice. We turn your spending into a clear, structured picture of exactly where your money flows, where it leaks, and where it should go instead.
High income does not equal financial calm.
You earn well but feel financially fragmented. Your family household income is $250k–$600k and you’re still wondering where it all goes at the end of the month.
Many families:
• Feel mortgage pressure
• Don’t know where they are really spending
• Delay investing because cashflow feels unclear
• Experience household friction over “unstructured” spending
• Use budgeting apps but still feel blind
Your financial planner manages your investments. Your accountant handles your tax. Your bank shows you a dashboard.
None of them are watching your cashflow.
Not structurally. Not every month. Not with the rigour your household income deserves.
That’s where Track My Spend works.
(Fixed Commitments)
Your non-negotiable commitments.
Mortgage. Insurance. Utilities. Education. Core Obligations.
We ensure your foundation is stable, proportionate, and not silently eroding your flexibility.
A strong foundation creates resilience.
An oversized one creates stress.
(Variable Essentials)
The running costs of daily life — Necessary but fluctuating.
Groceries. Transport. Health. Pets. Essential Maintenance.
We analyse efficiency — not to restrict you, but to eliminate waste and friction.
An efficient engine preserves cashflow power. An unmanaged one leaks capital quietly.
(Discretionary Spend)
Dining. Travel. Hobbies. Experiences. Your personal reward.
This is your 'living' fund.
By benchmarking your lifestyle spending against our 'Private Household Efficiency Matrix', we eliminate transaction guilt —
allowing you to spend with total freedom and zero stress.
(Wealth & Freedom)
Savings. Investing. Debt reduction. Long-term capital building.
This is your “walk-away” money.
We ensure surplus cash is structurally directed toward building independence — not disappearing into lifestyle drift.
Because income alone does not create wealth.
Structure does.
We bring your entire household cashflow into one clear, structured view.
No scattered accounts.
No conflicting balances.
No reacting to transactions.
For the first time, you see how your money is actually behaving — not just where it went.
Your income is organised using our 4-Pillar Framework — balancing stability, efficiency, lifestyle freedom, and long-term wealth.
This isn’t budgeting. It’s disciplined capital allocation designed around how your family actually lives.
Everything has a place.
Nothing operates on guesswork.
Each month, you receive a clear executive update — highlighting what changed, what matters, and what can be spent confidently.
You know exactly where you stand and what requires attention, without spreadsheets, tracking apps, or day-to-day micromanagement.
Just structured oversight and confident decisions.
$990 incl. GST
A 12-month historical cashflow analysis. 4-Pillar framework mapping. Cashflow Performance Scorecard. Video Insight Briefing. Delivered within 10 business days of data connection.
The starting point for every engagement.
$1,590 incl. GST
Everything in the Blueprint, plus a 60-minute live Cashflow Strategy Session, white-glove account setup, and your first month of ongoing oversight included.
For households ready to build the full cashflow structure from day one.
From $395 per month
Ongoing monthly oversight. Monthly Cashflow Briefing. Behavioural drift monitoring. Quarterly strategic review. Your household's cashflow — professionally managed, every month.
This is the ongoing engagement most clients move into.
$1,200 incl. GST
3 months of clean, structured, CPA-verified cashflow data for your bank or mortgage broker designed to strengthen serviceability.
For households whose applications are complicated by messy or hard-to-verify expenses, it can make a meaningful difference to what a mortgage application looks like.
All engagements are subject to a signed Terms of Engagement and payment prior to commencement. CDR/Open Banking data connection required.
A short description of the benefit.
Track My Spend is a CPA-qualified Private Household Cashflow Strategist practice helping Australian households understand, structure, and take control of their cashflow — answering a simple question: “Where does it all go?”
We don’t track spending for the sake of it. We translate it into clear, practical insight using our 4-Pillar Cashflow Framework.
Our role is simple: give you a clear view of where your money is going, what’s changing, and what needs attention — so you can move forward with clarity and control.
Track My Spend is a CPA Practice