Accountant Finance Manager Financial Wellbeing
Money coaching · Northern Beaches & onlineSort your cash flow out. No embarrassment. No judgement.
Practical money coaching for households, young adults and women seeking financial independence, from a qualified accountant with 30 years’ experience.
You don’t need to be good with numbers to be good with money.
Individuals & families
Get on top of bills, manage rising expenses and make the most of the income you have.
Young adults finding their feet
The money skills school skipped: budgeting, bills, saving, spending and standing on your own.
Women seeking independence
After separation, a career change, returning to work or a new life stage: take control of your money.
I'm Nerilee. I hear the same money story every day, and I'd like to help you change yours.
Thirty years as an accountant and finance manager taught me one thing: the right tools, a little guidance and someone in your corner beat being “good with numbers” every time.
There's no magic here and no secret system. When the sheer amount of information out there becomes the problem, that's where coaching comes in.
Three steps. No complicated financial talk.
Honest conversations, practical tools and someone to keep you accountable.
We listen first
Your current position, needs, wants and goals. You leave with a simple personal financial health check and the tools to do it.
Understand your spending
Spending sorted into three buckets: keeping the lights on, intermittent expenses and lifestyle. Not to judge, to get to know yourself.
Five actions you can start today
Small, achievable steps, easy templates and agreed check‑ins so the plan sticks.
The formula nobody taught you at school
Building wealth isn't about earning a fortune. It comes down to three levers, and we work on them in order.
Bring more money in
We look for income you're leaving on the table: the pay review you keep putting off, a skill people would pay for, or a side hustle you'd enjoy. More money in, without burning out.
Plug the leaks
Forgotten subscriptions, creeping bank fees, insurance that quietly renewed at a higher price. We find the costs draining your budget and cut them without cutting the things you love. Yes, the smashed avo can stay.
Multiply what's left
Then we explore how the money you've freed up could start growing over time, so you go into conversations about saving and investing with clear numbers and the right questions.
General information only. Nerilee is not a licensed financial adviser and does not give investment or financial product advice. For investment decisions, speak with a licensed financial adviser.
Things people tell me in the first five minutes
The 10‑minute budget checklist
One page. Sort your spending into the three buckets and find out what “keeping the lights on” costs you each month.
Financial insights, in plain English
What “keeping the lights on” actually costs you
How to find your minimum monthly number, and why it is the most useful figure you will ever know.
Intermittent expenses: the bills that blow up your budget
Rego, dentist, school fees. A simple way to smooth lumpy costs so they stop being emergencies.
Your first pay cheque: a three‑account setup
A starting structure for anyone whose pay disappears by Monday.
Questions people ask before booking
This is not a financial planning service. I don't recommend products or give financial advice. I share tools, plans, ATO rulings and practical insight so you can see where you want to go and the steps to get there.
Is this financial advice?
No. I am not a financial planner and I will not recommend products. I am a qualified Financial Accountant and Registered BAS Agent, and I coach you with tools, plans and practical insight.
What happens in the free 15‑minute chat?
You tell me what is going on, I tell you honestly whether coaching will help. No pressure either way.
Do I need to share my bank statements?
Only what you are comfortable with. The personal financial health check works from your own numbers; nobody sees them but you unless you choose to share.
I'm embarrassed about my situation. Is that a problem?
I hear the same story every day. There is no judgement here, only a plan.
How much does coaching cost?
Pricing depends on what you need, and I confirm it with you in the free chat before anything is booked. There are no lock‑in contracts.
Do you work with people outside Sydney?
Yes. Sessions are on Zoom, so anywhere in Australia works.
Start here, no coaching required
Ready to sort your cash flow out?
Tell me a little about what’s going on. I’ll reply within two business days to set up a free 15‑minute chat. No embarrassment, no judgement.