Resource Library for Smarter Money Decisions

Real tools and practical guides that actually help you categorize expenses without the confusion. Built from years of working with Australians who just wanted clarity.

Why We Created This Collection

Back in 2021, we noticed something. People would come to us with spreadsheets full of transactions, completely overwhelmed. They'd ask: "Is this groceries or entertainment? Where does petrol fit? What about that subscription I forgot about?"

So we started building resources that answer those exact questions. Not generic advice you'd find anywhere, but specific guidance based on what trips people up most often.

These materials come from actual client sessions, common mistakes we've seen, and questions that kept coming up. They're practical because they had to be — theoretical stuff wasn't helping anyone sort their receipts at 10pm on a Tuesday.

Financial planning workspace with organized documents and expense categories

How Our Materials Evolved

We didn't set out to build a comprehensive library. It just happened as we helped more people tackle their spending patterns.

Early 2022

The First Categorization Template

Started with a simple PDF that listed 30 common expense types. Clients would print it out and tick boxes while sorting through bank statements. Basic, but it worked better than nothing.

Mid 2023

Interactive Workbook Launch

Someone asked if we had something more detailed. We developed a 40-page workbook with real examples, decision trees for tricky purchases, and space for personal notes. Took us three months to get it right.

Late 2024

Video Guide Series

Not everyone learns from reading. We filmed short walkthroughs showing exactly how to handle ambiguous expenses — those "could be two different categories" situations that cause the most headaches.

2025 Onwards

Quarterly Updates and New Formats

We're planning audio guides for people who want to learn during their commute, plus case study packs showing how different households approach categorization. Release schedule starts August 2025.

Study materials and expense tracking guides spread across desk
Person reviewing financial categorization worksheets and documentation

What Makes These Resources Different

  • No jargon that requires a finance degree to understand. We write like we're explaining things to a friend over coffee, because that's basically what happened in the beginning.
  • Focused on Australian spending patterns — rego payments, private health insurance rebates, HECS deductions. The stuff that's actually relevant to your tax return.
  • Built from mistakes people actually make. We don't waste time on theoretical problems. These address the real confusion points we've documented over hundreds of consultations.
  • Updated based on feedback. When someone emails saying "this section confused me," we rewrite it. Simple as that.

Who's Behind the Content

Rhett Duguid, financial education specialist

Rhett Duguid

Financial Education Specialist

Rhett spent eight years working in retail banking before moving into financial education. He got tired of watching people struggle with basic expense tracking when simple systems could solve most of their problems. Now he develops materials that actually get used instead of sitting in downloads folders.

Started creating expense categorization guides in 2019 after noticing the same questions kept appearing in every client meeting.

Specializes in breaking down complex financial concepts into practical steps that regular people can follow without hiring an accountant.

Based in Castle Hill, works with individuals and small business owners who need straightforward guidance without the corporate nonsense.

Ready to Get Started?

Whether you want to explore our current materials or ask about upcoming resources, we're here to help you find what fits your situation.

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