It's time to plan, to plan.

Have you ever felt that your finances are out of control? Or that you should be doing more with them?

You’re not alone.

Not many people take the time to make sure that their money is working the way that it should. However, taking a little time, even just once a month, to review what has happened over the past 30 days, and what is happening in the coming 30 days can make a world of difference to your finances and your stress levels.

Let’s look at it this way.

If you were to run a business and you didn’t know what was coming in and going out, your business would not be around for very long. The same applies to your personal finance.

There are many ways that you can get on top of this. Excel spreadsheets, apps and what we use, the My Prosperity program ( These can help you to manually or automatically track your income and spending to see if you are moving in the right direction.

So, put some time aside. Maybe the first Monday evening of each month, grab a glass of wine and work on your finances. You won’t regret it.

To further assist, we are running are Smart.Happy.Money 9 Simple Steps workshop again on the 9th of November 2019. This is not some hard sales workshop, rather it is packed full of value that you can take away and apply to your life, even if you never want to see us again.

Controlling your finances can be simple, but it does take a little time to set up and then some time to review and adapt as you need to, but the benefits are fantastic. You will find that you become wealthier, happier, and less stressed as you stop reacting to your finances and start controlling them.

Tickets to our workshop are free and can be found at

We don’t have many seats left, we purposefully keep numbers low so each participant gets more out of it, so book ASAP and we hope to see you there.

If you can’t make it, feel free to shot us any questions you have and take a small step to a better future by opening your diary right now and putting aside some time to get started.

Have a great day.


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Ben Graham-Nellor is an advisor, coach, blogger and speaker who has worked in the financial services industry for over 15 years. He believes that by educating and advising people today, they can improve their tomorrow.

BGN Financial Management Pty Ltd is a Corporate Authorised Representative 468796 of Professional Investment Services Pty Ltd AFSL 234951 ABN 11 074 608 558

The information in this communication has been prepared on a general advice basis only. The advice has been prepared without taking account of your specific objectives, financial situation or needs. Accordingly, you should, before acting on the advice, consider the appropriateness of the advice having regard to your objectives, financial situation and needs. In cases where the advice relates to the acquisition, or possible acquisition, of a particular financial product, you should obtain a Product Disclosure Statement (or other relevant information statement) and consider such document before you make any decision about whether or not to acquire the product. For these reasons, it is imperative that you seek advice from your financial adviser before making any investment decisions.

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BGN Financial Management PTY LTD is a corporate authorised representative (468796) of Professional Investment Services Pty Ltd (ABN 11 074 608 558)

which is the holder of Australian Financial Services License No.234951.

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