Personal Finance · Magujoy
Budget
Consultation.
A structured session that examines where your money actually goes, identifies pressure points, and builds a workable monthly framework around your real income.
How sessions work
The consultation process
Each consultation follows a fixed sequence - not because it is rigid, but because the order matters. Spending patterns only make sense once income and fixed obligations are mapped first.
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Step 01
Income mapping
All income sources are listed - salary, freelance payments, rental income, anything recurring. Irregular income is averaged across the previous six months to give a stable planning baseline.
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Step 02
Fixed obligation review
Rent, loan repayments, insurance, and subscriptions are pulled out first. These define the non-negotiable floor before any discretionary spending is discussed.
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Step 03
Spending pattern analysis
Three months of transaction history reveals where money leaves without deliberate decision. Common findings include fragmented grocery spending across multiple shops and underestimated food delivery costs.
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Step 04
Budget framework delivery
A monthly budget document is produced within 48 hours. It covers category allocations, a short-term saving target, and one specific area to address in the following month.
What the session covers
The scope is consistent across all clients. Depth varies depending on how complex the financial picture is.
Before you arrive
Clients receive a short preparation checklist. Gathering bank statements and a rough list of monthly bills takes around 20 minutes and makes the session significantly more productive.
Session format
Sessions run via video call or in person at the Cork office. The conversation is structured but not scripted - questions are encouraged throughout, not saved for the end.
- Video call option
- In-person Cork
- 60-minute session
- Follow-up notes
- Private 1:1 only
- Flexible timing
Deliverables after the session
A written budget framework is sent within two working days. It is a plain document - no proprietary software required - built around the categories that actually appeared in your spending history, not generic templates.
- Monthly budget doc
- Category breakdown
- Saving target
- Priority action
- Plain format
- Editable file
Get in touch
Booking a session
Sessions are arranged directly by phone or email. There is no automated booking system - a brief exchange beforehand helps confirm the session is appropriate for your situation.
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+353 1 629 0932Monday – Friday, 9:00–17:30
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info@magujoy.comResponse within one business day
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3 East Village, DouglasCork, Ireland
