Good cash-flow management is the foundation of any healthy financial household. It is absolutely imperative to have a good understanding of your cash-flow. What money is coming in and what is going out. Too many people are either living from pay check to pay check or are spending more than they are earning.
D&M Financial Services work closely with you to design a strategic yet common sense Cash-Flow Management program that will make sure you spend less than what you earn enabling you to build a solid foundation for saving money and creating real wealth.

To learn how we can help you and your family with Cash-flow Management call Damien Burns direct on 0413 698 770 today
Case Studies
Taking back control of finances
The situation
- Ron, age 38, and Karen, age 35
- Two children, aged 7 & 4.
- Annual family income of just over $150,000
- Real Estate and Superannuation assets valued over $1 million
Ron and Patricia work hard to support their family, but lately have been feeling under financial pressure. The family income they earn is more than adequate, but they are always left wondering where all their money goes? They don’t live an exorbitant lifestyle and feel they should be managing their cash-flow much better – to take better control. Both Ron and Patricia were keen to give their children a private school education.
The solution
D&M Financial Services sat down with Ron and Patricia and spent the time working with them to analyse their cash-flow situation in detail and help to develop a budget that Ron and Patricia felt very comfortable with that would still allow them to live a comfortable lifestyle, but also provide a plan for their children’s future education needs.
Ron and Patricia now feel very confident with their cash-flow management knowing that they will receive monthly cash-flow reports from D&M Financial Services detailing where their money is being spent and comparing this to the budget that has been created for them, which allows D&M Financial Services to work with Ron and Patricia on an ongoing basis to eliminate cash-flow wastage and build their savings.
Starting a new business – Business and Personal cash-flow support
The situation
- Jake, age 32, & Sharon, age 28
- Two kids, aged 4 & 8 months
- Currently renting
- Just started own business 6 months ago
Jake and Sharon have a young family and, like many Australians, decided to start their own business to have more control of their work life balance. Jake works hard during the day in a labour intensive job and visits potential clients after hours providing quotes to win jobs. Sharon works hard on the admin side of the business. It’s a fine balance between running a successful business and raising a family. Time is an absolute premium. Jake and Sharon were really unsure as to how to set up and manage their business. They needed help with cash-flow management, GST commitments, superannuation, bank accounts and credit facilities and how to structure these effectively. They were desperate for a system that would let them manage everything easily and properly and give them more time to spend with their kids and each other.
The solution
Steve and Sarah sought advice from D&M Financial Services, and after implementing the recommended strategy and structures, and taking advantage of the technology available, they now have a strategy and structure in place that gives them more time to spend with their children and each other.
They no longer worry about their cash-flow, their superannuation commitments, reconciling their accounts, keeping receipts for tax time, creating invoices, following up invoices, getting paid on time, etc. Steve and Sarah now have complete peace-of-mind and really feel as though they’re now getting somewhere.
Please be aware that this is a case study and that individual circumstances can be different and thereby achieve differing outcomes. Please take advice from a professional financial adviser