Take Back Control of Your Retirement Money

Stop the Money Leaks: Your Guide to a Stress-Free Retirement Budget

If you’re like many retirees, you’ve earned the right to relax, but the reality of managing a fixed income can feel overwhelming. Money seems to slip through your fingers, and knowing exactly where it goes is half the battle.

I hear you. That feeling of losing control over your hard-earned money is stressful. But I want you to know: It is absolutely possible to reign back your expenses and take confident control of your finances.

💡 Are You Missing These Hidden Money Leaks? Many people are surprised to find that their budget is being silently drained by just a few key areas. These are the first places to look if you want to find immediate savings:

1. The Subscription Spiral How many streaming services, apps, or old club memberships are automatically billing you every month? If you haven’t used them in three months, they are a money leak! My Subscription Tracker provides a clear audit to help you confidently hit the cancel button on what you don’t need.
2. Unplanned Groceries Impulse buys at the store add up fast as to do takeaway dinners. Without a clear plan, you spend more money (and time!) than necessary. Using a simple Meal Planning and a dedicated Shopping List can cut your grocery bill significantly, putting that money back into your savings.
3. Hidden Debt Costs, Are you tracking the interest rates on any existing debts — like a hire purchase or buy-now-pay-later schemes? Knowing the outstanding balance and the interest rate on your debt is the first step toward creating a clear, manageable payoff plan.

✅ Introducing the Retirement Financial Workbook That’s why I created a Retirement Financial Workbook designed with you and your fixed income in mind.

It’s not a complicated accounting software — it’s a simple, easy-to-use tool with clear instructions to help you:

See the Big Picture: Use the unique 5-week Income & Expense Tracker to clearly see your surplus or deficit each month.

Track Everything: Dedicated sections for Savings Goals, Debts, and Tax-Claimable Donations keep all your financial details in one organized place.

Get a Yearly View: Finish the year with a comprehensive annual tracker that gives you a crystal-clear understanding of exactly where your money went, allowing you to make powerful, necessary changes.

It’s time to trade stress for financial confidence. Take this simple step to secure the financial peace you deserve in retirement.

Ready to start?

👉 Download your Retirement Financial Workbook here and take back control of your money! ​

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Are you still putting off that crucial step toward financial confidence?

If you’ve been feeling unsure about where to put your hard-earned money, or if the world of investing seems confusing, this is your polite nudge!

Our online session, Learn How to Invest — Part 2: What’s the Best Investment for Your Asset Mix?, is specifically designed to eliminate the jargon and replace it with:

• Clarity: Learn how to choose investments that truly fit your goals.
• Confidence: Understand your personal asset mix and compare options using simple, free tools.

This is practical advice you can use right away. Your future self will thank you for taking this step.

Ready to make your money work smarter?

💡 One small step today can bring you lasting financial confidence tomorrow.

Wishing you financial confidence,

Kara Northcott

Financial Educator & Facilitator
​Helping everyday people feel confident and in control of their money

027 666 6784
📩 kara@financialconsultant.co.nz
🌐 kara-northcott-financial-consultant.kit.com​