Smart Money wants to help you!

You work too hard for your money to get to the end of each month and have nothing to show for it.

Do you want to get Financially and Personally Organised? Do you want to get out of debt? Then you need our Financial Action Plan. Once you have a plan you will start to tell your money where to go and what to do, instead of wondering where it went or what it’s doing

Your Financial Action Plan, combined with our easy to use online Smart Money Zero-Sum Budgeting tools will give you the kickstart required to make a difference. Start reducing debt, paying off your cars and home, as well as getting you and your family on the road to becoming financially secure and independent!

Financial Wellness Ladder

Financial Wellness

The Smart Money Financial Wellness Ladder is a visual representation of the financial journey that we all aspire to climb. Our practical Financial Action Plan will help get you to the top.

By understanding what each level entails, you are able to gain a better understanding of where you fit in and what you need to do to achieve financial independence.

The Smart Money approach is designed to help people move up the levels to put them on the path to financial freedom with the help of our courses, tools and resources.

Smart Money takes a different approach to helping you get to grips on how you view, manage, spend and invest your hard-earned Money

The Smart Money Financial Wellness Approach

Your financial wellness journey starts with our “8 Steps to Financial Wellness” approach.

Understanding how these steps work and implementing them in your personal life will start you on the road to making Smart Money choices.

Financial Wellness Programme

Become a Smart Money member!

Sign up today for FREE!

Become a member of the Smart Money Academy by registering today and get access to educational content backed up with tools and resources that help you get personally and financially organised.

Register for free and get access to the following:


Get access to a wide range of online courses filled with multimedia content designed to better you skills and show you how to take control of your financial life

Budget Planner

Use our secure online personal and financial planning application packed with important personal financial planning features.


Use our resources to help put your money to work by reducing debt, creating wealth and putting a financial action plan in place

Life Journey

Educational emails, articles, and quizzes will be delivered to you to keep you inspired and motivated.

Financial Safety Report

Take our Smart Money Assessment and get sent a personalised Financial Safety Report

Partner Services

Get access to our partners products and services in your area to help you make Smart Money Choices

Become a Smart Money member for FREE!

Become a Smart Money member and get access to all our tools and resources for FREE!