Track My Spend was founded by me, Ashley Chao – a CPA with over a decade of financial experience across some of Australia’s largest ASX-listed companies and high-net-worth advisory.
I’m a finance professional specialising in forecast & budgeting, cashflow analysis, and household financial structure, with a background in tax and business advisory. I help everyday and high‑income households find calm, clarity, and control in their personal finances.
I kept seeing the same pattern close to home: even highly successful, high‑income families felt financially stretched – not because they were bad with money, but because their income had outgrown the level of oversight they were using to manage it.
Track My Spend was founded to solve that. Not with an app or generic advice, but with a structured, CPA-led cashflow intelligence service built on my 4-Pillar Cashflow Framework. It gives households the clarity, organisation, and ongoing support usually reserved for businesses, but delivered in a way that feels personal and practical.
As a Private Household Cashflow Strategist, my goal is to move beyond the limitations of budgeting apps and generic coaching to provide high-level cashflow intelligence. The focus isn’t to restrict spending, but on strategic oversight that ensures your family’s hard-earned income is actually being spent where you expect and building the future you’ve worked hard for.
BCom (University of Melbourne) · CPA Australia (Certificate of Excellence — Top 1%) · Financial Planning & Analysis Modelling Certified
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Track My Spend is a CPA Practice