Your Summer Money Reset: Five 90-Minute Sessions to Set Up 2026

January’s quieter pace is perfect for a five-session reset. Block out five 90-minute slots across the break—coffee, music, airplane mode—and tick these off.

Session 1: Cash-flow & savings automation

• Map your must-pay (rent, utilities, transport) vs nice-to-have.

• Set automatic transfers on payday:

  • Everyday spending

  • Emergency fund (target 3–6 months’ expenses)

  • Short-term goals (travel, car rego, Christmas)

• Add a tiny round-up or $20 “first hour” transfer the day you’re paid.

  
  

Session 2: Super tidy-up

• Check your fund, fees, and investment option match your risk tolerance.

• Make sure your TFN and contact details are correct and beneficiaries are set.

• If you’ve changed jobs, ensure contributions are flowing to your chosen fund.

• Note any co-contribution or spouse contribution strategies you want to explore this financial year (discuss with a tax pro).

  
  

Session 3: Insurance sanity check

• Personal cover: life, TPD (total & permanent disability), and income protection—often held inside super. Are amounts still appropriate for your income and rent?

• General cover: contents (including portable items), car, health excess settings.

• Keep photos/receipts in a cloud folder for claims.

  
  

Session 4: Debt and rates review

• List every balance (HECS, credit cards, personal loans, car, HELP-style debts).

• Sort by interest rate and set a weekly repayment rhythm.

• If you have a home loan (or plan to get one), do a quick rate health-check and note a refinance reminder for March/April when lenders often run promos.

  
  

Session 5: Goals, guardrails, and automation rules

• Choose 3 goals for 2026 (e.g., $10k emergency fund, Europe trip, $15k into ETFs).

• Define your guardrails: “No-Spend Week in February,” “$300 monthly cap on dining out,” or “invest every payday regardless of headlines.”

• Create a one-page Money Map: accounts, transfer dates, amounts, and rules. Stick it inside your wardrobe door.

  
  

Fast wins for the break

• Cancel unused subscriptions (apps, gyms) before they roll over.

• Create a shared expenses system with your partner (Splitwise/kitty account).

• Add a scam safety check: enable bank alerts, face/biometric login, and avoid clicking links in texts about deliveries/refunds.

• Clean your inbox filters so bills and statements don’t get lost.

Where Wesley can help

• Build your Money Map and automate transfers

• Compare super options and align risk to your time horizon

• Prioritise insurance and debt moves that free up cash without adding risk

Want a personalised 5-session plan? Book a discovery call and we’ll set it up together.