Godfrey Pembroke
(03) 8610 1777 Get in touch
  • Home
  • About us
    • Our philosophy
    • Our team
    • About Godfrey Pembroke
    • How we work with you
  • Client experience
    • Active advice
    • Case studies
    • Financial services guide
    • Fee for advice
    • Trust and transparency
    • Our clients
  • Our specialisations
    • Wealth planning
    • Investment planning
    • Lending & debt management
    • Cashflow management
    • Portfolio structuring & tax management
    • SMSF’s & retirement planning
    • Business management
    • Estate planning & administration
    • Risk insurance
    • Aged care planning
  • Resources
  • News
  • Contact
Godfrey Pembroke Heading Image

Case study: Managing your personal cashflow

3 April 2013 by Jeff McLachlan Leave a Comment

The challenge

Mark and Jane have a reasonable level of income but they were living pay to pay. They required assistance to manage their income and expenses (outgoings) so they could effectively save for their goals such as purchasing a new car in in the next 2 years and to build a deposit to purchase a home within the new few years. Their immediate need was to wrest back control of where their funds were going.

Our solution

We recommended that Mark and Jane should initially complete a budget so they could recognize just what their outgoings were and therefore their capacity to save. From there we arranged with their employers to split their salary into various accounts, each of which would serve to cover particular outgoings. Surplus funds would be directed to a high interest at-call account to be used to fund their goals.

With their immediate issue solved, we helped Mark and Jane develop clear financial and lifestyle goals then created a cash-flow management plan designed to achieve them.

The outcome

Today, Mark and Jane have begun saving for their first goal of buying a new car. We also continue to help them build and protect their wealth for the future via superannuation and insurance.

This is a hypothetical example based on a real client experience. Names and details have been changed.

Filed Under: Case studies

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Contact Jeff McLachlan

Level 2
15 Queen Street
Melbourne VIC 3000

(03) 8610 1777

(03) 9620 7838

Click to email Jeff

About us

Jeff firmly believes that his primary role as a trusted financial adviser is to help clients ‘plan well’ and ‘invest well’ so they may ‘live well’. Jeff McLachlan Jeff completed a Bachelor of … Read more

  • Advice warning
  • Legal notice
  • Complaint resolution
  • Privacy
  • Sitemap

Copyright © 2025 Jeff McLachlan . Wordpress Website by The DMA

Jeff McLachlan Financial Planning Pty Ltd ACN 117 398 875 are authorised Representatives of Godfrey Pembroke Group Pty Ltd (Godfrey Pembroke), ABN 38 078 629 973, Australian Financial Services Licensee 245451.

Godfrey Pembroke

Godfrey Pembroke