Wealth & Planning
Cash flow & debt strategies
Managing cash flow and debt well is the base of every financial plan. Wealth Mantra helps you build a realistic budget and a plan to pay down debt, working with Business Mantra Accountants where your business is involved.
Delivered by
Wealth Mantra
Financial planning, super and retirement
With help from Business Mantra Accountants
On this page
Who it’s for
Households under pressure
People whose money runs out before payday.
People with several debts
Those with credit cards, personal loans or a mortgage to manage.
Business owners
Owners whose personal and business cash flow overlap.
What’s included
Budget
A realistic budget built from your actual spending.
Debt plan
A plan to reduce debt, starting with the most costly.
Savings
Building emergency savings and saving for goals.
Reviews
Checking progress and adjusting the plan.
How it works
Your figures
Your income, spending and debts are gathered.
Budget
A budget is built with you.
Debt and savings plan
Steps to reduce debt and build savings are agreed.
Follow-up
Progress is reviewed.
Good to know
Free help is available
If you’re in financial hardship, free financial counselling is available through the National Debt Helpline (1800 007 007).
Questions
Can’t find your answer? Ask us and we’ll pass your question to the right business.
Answers are general information, not personal advice.
Reviewed by Wealth Mantra’s licensee · Last updated 6 October 2026
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Important information
General information only: it does not take your personal circumstances into account.
Services described here may be subject to eligibility, professional registration or licensing requirements. Confirm the relevant scope and documents directly with Wealth Mantra, Business Mantra Accountants before proceeding.
Next step
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