cash flow management gold coast

Expert Cash Flow and Budget Advice on the Gold Coast

Are you always taking one step forward and two steps back in terms of your financial position? Are you struggling to stay ahead; to meet your financial commitments? If you answered yes to these questions, then Centaur Financial Services can likely help. Cash flow and budget advice on the Gold Coast is highly sought after. You’re not alone in your struggle.

We all need help from time to time; you are not on your own.

At some point, we’ve all questioned, where does our money go?

No sooner than we make it do we spend it. It’s a vicious cycle. In some cases, it’s due to low income, but it’s more likely to be a result of living above our needs or poor money management. The good news is; if your struggles are a result of the latter, our expert Gold Coast financial planners can quickly help you turn things around. You may just need a little help figuring out where all your money goes. Thankfully, cash flow and budgeting is one of our specialties.

How We Can Help

Does the sheer sound of the word “budget” frighten you? It needn’t! Our team of Gold Coast cash flow and budget advisors take away the stress associated with budgeting. We can provide a clear, easy to understand snapshot of where you are today, and the path you need to take to achieve your financial goals. Don’t think it isn’t possible. We will give you the confidence needed to know it is achievable.

Sticking to a budget, managing your cash flow, and achieving your goals may seem complicated. But if you’re on board; ready to embrace change, you can regain control of your money and start planning for all the things you previously only dreamt of. Old habits can be hard to break, but you’re not in this alone. We’re here for you. We will work with you, help you harness your income, and reach your financial goals.

No matter your stage of life, our focus is to look at what you need today and help you build a better tomorrow. If tomorrow is already here, we can help you manage your cash flow to help make your dream a reality.

Start designing your financial future today with Centaur Financial Services’ Gold Coast cash flow and budget advisors<em>.

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expert cash flow advisors

The Centaur Difference

At Centaur Financial Services, we understand that you need confidence in our ability to accept our advice. Confidence isn’t built; it’s earnt. Our Gold Coast cash flow and budgeting experts take pride in developing close relationships with our clients; to build trust and gaining your confidence through our comprehensive process. From Discovery and Analysis to Strategy and Recommendation, through to Implantation and Ongoing Advice, we provide complete transparency in every step of the process.

The foundation for financial success starts by reviewing your current spending patterns; to understand how your money flows from income to expenses; to identifying your savings potential. Our goal is your goal; to make your money work better for you.

We are facing unprecedented times. There is no better time than the present to take charge and get on top of your finances. Together, we will identify your goals and devise a realistic budgeting plan that will align you with your goals.

Don’t think of budgeting as an adverse action that restains you.
Think of it as the bridge that transports you from your current financial depths to a bright, prosperous future – a little sacrifice today for a better, happier tomorrow.
If you’re serious about changing the projection of your financial future, there are only positives to gain from seeking professional budget advice from our Gold Coast advisors.

Benefits of budgeting

Our Gold Coast budget advisors can help you:

Understand where your money goes
Identify inefficient and efficient debt
Implement debt payment strategies
Establish a personal savings plan
Create a realistic budget
Track your spending
Understand cash flow management
Regain control of your finances
Plan for future investments
Build a better cash buffer
Budget for regular family holidays
Put money aside for your children
budgeting cash flow advisors gold coast

Frequently Asked Questions About Cash Flow and Budgeting

  • What is the difference between cash flow and Budget?

    While cash flow and budgeting go hand in hand, they are not one and the same.

    Cash flow focuses on how you send your money to reach your long and short term goals. Gold Coast Cash flow planners show you precisely what you can spend, taking into account your debt and assets, retirement, and the impact spending may have you being able to reach your goals.

    Budgeting, on the other hand, focuses on the balance of your income minus expenses. The purpose of a budget is to ensure you don’t live beyond your means. Gold Coast Budget advisors look at how you are spending your money; where you are over-spending, and prioritise good debt from bad debt, to reduce spending and introduce saving.

  • What are the basics of budgeting?

    A budget is a simple equation of income minus expenditure, to provide a positive balance; money in must be more than money out. It’s when expenditure exceeds income that we face financial problems, problems that often, only financial planners can solve.

    The first step in budgeting is to look at your income. Look at how much money comes in each month. Include your spouse’s income to get a total.

    Next, calculate your expenses. Creating a definitive list of all expenses; don’t leave anything out. Items to include are mortgage repayments, rent, credit card and personal loan repayments, phone, internet, utilities (water, electricity), streaming TV services, dining out, entertainment, grocery costs, clothing allowance, car repairs, registrations, petrol, insurances, public transport, gifts and presents, bank fees, prescriptions and medicines, memberships, travel expenses, sports fees, child care etc.

    Subtract your expenses from your income, and you have yourself a basic budget. To help get you started, we have developed a kickstart budget spreadsheet, which you can download below.

    Download Our Budget Template

  • What are the advantages of budgeting?

    There are many advantages of budgeting. First and foremost, you can track your expenses to ensure you don’t live beyond your means. You see a clear picture of your total financial situation, whether good or bad and can then make informed spending decisions to work in your favour.

  • What are the disadvantages of budgeting?

    There are only disadvantages of budgeting to those not dedicated to reaching financial goals. Sure, you may not be able to go shopping as often, go to the pub as much, or buy coffee every day, but it’s a small price to pay for financial security in your later years.

    Budgeting, however, takes time, and if you seek professional advice, money as well—however, the benefits far outway the initial time and advisor fees.

Want a Complimentary Budget Template?

Download our DIY Budget Planner to start making a change today!

Download Our Budget Template

See what our happy client's have to say about us!

Long time client of Hugh and the team - extremely happy with the thoroughness and attention to the individual circumstances as life changes.
sandra gibbs
sandra gibbs
00:41 11 Oct 21
Being introduced to Hugh Robertson by our long term accountant 10 years ago turned into a great relationship with a progressive young man who cares about his clientele as well as their wealth creation and retirement plans!!
russell bloxsom
russell bloxsom
01:52 08 Oct 21
Going to visit Hugh is a real pleasure and not just something I have to do.Hugh is a genuinely delightful and sincerely man, caring about all of his clientsAnd obviously doing his very best at all times.His Staff are all personally chosen to reflect his qualities.I would recommend Hugh and Centaur Finances to anybody needed quality care for their finances.Marilyn Culell
Marilyn Culell
Marilyn Culell
00:08 07 Oct 21
We have had the pleasure of working with Hugh and his team over the last year as well as being used by other family members for years. Centaur Financial Services is nothing but professional, helpful and very friendly - Couldn't recommend the team enough.
Courtney Edwards
Courtney Edwards
03:44 06 Oct 21
My wife and myself have invested with Centaur Financial Services and I am very happy with their service. My son and daughter have also invested with them. They have our whole family.
Wayne Evans
Wayne Evans
10:13 05 Oct 21
We are very satisfied with Hugh's (Centaur's) management of our SMSF and the fees are more than competitive and realistic.
John Beard
John Beard
05:55 04 Oct 21
Very professional and knowledgeable in the Finance & Super business Hugh and his team are at the top of the game when it comes to dealing with personal finance. Extremely glad to have Centaur taking care of my future..
Dave Hair
Dave Hair
06:43 09 Sep 21
My Wife and I have been with Centaur Financial Services Gold Coast for several years and have had not only Professional service but well explained information with better than expected results , we would highly recommend them.
Richard Kownacki
Richard Kownacki
05:10 06 Sep 21
The team at Centaur have provided us with great insight into investing. We had spoken to the others, before the team at Centaur. We found them to be responsive, timely with the information we required. As a result of the professionalism shown, I have sought their advice for my whole family. A special mention to Jenna Wheeler. What an asset, she is goal orientated and will extend herself to ensure clients needs are fulfilled. Highly recommended.
Paul Grech
Paul Grech
23:33 02 Sep 21
My initial consultation with Jenna gave me more advice and assistance than I had expected. Jenna's friendly yet professional manner and knowledge has given me the confidence to book another appointment with her for assistance in my impending retirement planning.
Susanna Fonay
Susanna Fonay
04:51 01 Sep 21
Hugh talks to you as a friend, and as an adviser .He speaks at your level and knows the best products to suit where you are in life. We thoroughly recommend Centaur Financial Services, Hugh and the team.
Steven Caruana
Steven Caruana
07:01 29 Aug 21
If you are looking for a company that will go above and beyond to look after you and your money, you can do no better than Centaur Financial Services. Real People, Real Service and Real Returns.
Karen Hobbs
Karen Hobbs
07:26 24 Nov 20
Hugh has been our financial advisor for over ten years. We have always felt very comfortable and confident, trusting in Hugh’s knowledge and strategies in his industry. The Centaur team are friendly and efficient and would have no hesitation in recommending Centaur Financial Services to anyone looking for financial advice.
Pam Lindores
Pam Lindores
06:38 24 Nov 20
Hugh has always made us feel comfortable in every interaction we have had with him and his team, very professional but to a standard that we as non financial experts understand what he is talking about, we feel his advice to us has always made sense.
Peter Craig
Peter Craig
10:12 23 Nov 20
I have felt comfortable from the outset with all interactions with Hugh and the crew. It is nice to feel this way and I feel a rare experience in our current business climate.
Linda Leighton
Linda Leighton
10:03 23 Nov 20
Could not be happier with how our Super is being handled. Hugh and the pleasant girls at Palm Beach would literally bend over backwards for any of their clients.We would not hesitate to recommend Centaur Financial Services to anyone that is looking for a reliable and honest crew to look after their financial affairs.
Ronnie Foley
Ronnie Foley
05:30 07 Aug 20
I have found all members of Centaur staff to be unfailingly prompt, efficient and considerate. They have all seen me through some difficult personal issues and i would have no hesitation in recommending the firm to anyone in need of financial planning assistance or advice.
Ronald Black
Ronald Black
03:59 23 Jul 20
I have known Hugh for more than ten years and have always found him approachable, direct and very client centric. Hugh was a deserved winner of the 2018 AFA Adviser of the Year award, an award which eclipses all others in the advice profession. Hugh and his team at Centaur support many Australian families on their financial journey with advice that provides certainty and peace of mind.
Marshall Brentnall
Marshall Brentnall
23:05 30 Oct 19

Need Cash Flow and Budget Advice on the Gold Coast?

Turn to Centaur Financial Services. Our expert Gold Coast cash flow and budgeting advisors can help you manage your money better.

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