Our Services
From building your first household budget to monthly coaching and family goal planning — Hearthwise Budgeting offers practical, hands-on support for every stage of your family's financial journey.
Practical Help, Built Around Your Household
Every family's money situation is different. That's why we don't sell one-size-fits-all templates. Our budgeting specialists work directly with you to understand your income, your recurring bills, and the goals that matter most to your household — then build a plan you can actually stick to.
All of our services are delivered remotely or in person at our Waterford City office, with clear fixed pricing and no commission on any product recommendations.
- No bank account access required — you stay fully in control of your money
- Fixed, transparent pricing — no hidden fees or surprise charges
- Independent guidance — we don't sell financial products
- Flexible scheduling — evening and weekend appointments available
What We Offer
Household Budget Setup
A complete monthly budget built around your real income, bills, and priorities — ready to use from day one.
- Full income and expense mapping
- Spending categories tailored to your family
- Simple tracking system (no complex spreadsheets)
- Follow-up review after 30 days included
Bill & Subscription Audit
We review every recurring charge on your statements to uncover forgotten subscriptions and overpriced services.
- Line-by-line review of recurring costs
- Identifying duplicate or unused subscriptions
- Switching suggestions for utilities and insurance
- Typical review completed within one week
Shared Family Goal Planning
A clear roadmap for the big things — holidays, home repairs, college funds — that both partners track together.
- Joint goal-setting session for couples
- Sinking funds for predictable big expenses
- Shared progress tracker you both can use
- Priority framework for competing goals
Ongoing Budget Coaching
Monthly check-ins with a budgeting specialist to adjust your plan as life, income, and expenses change.
- Monthly 45-minute coaching call
- Plan rebalancing after unexpected expenses
- Support for irregular and seasonal income
- Couples coaching sessions available
How It Works
Free Consultation
A 20-minute call to understand your situation and see whether we're the right fit — no obligation.
Gather Your Numbers
You share your income, bills, and spending estimates. We never need access to your bank accounts.
Build Your Plan
Your specialist creates a tailored budget with categories, sinking funds, and shared goals.
Review & Adjust
We walk through the plan together, then check in after 30 days to fine-tune what's working.
Compare Our Services
| Service | Best For | Duration | Price |
|---|---|---|---|
| Household Budget Setup | Families starting from scratch | One session + 30-day review | From €129 |
| Bill & Subscription Audit | Households with high recurring costs | Completed within one week | €89 |
| Shared Family Goal Planning | Couples saving toward big goals | One joint session + plan | €159 |
| Ongoing Budget Coaching | Irregular income, evolving situations | Monthly, cancel anytime | €45/month |
Service Questions
Which service should I start with?
Most families begin with the free consultation, then a Household Budget Setup. If your main concern is high recurring costs, the Bill & Subscription Audit is often the quickest win — we can bundle both at a reduced rate.
Do services work for irregular or seasonal income?
Yes. We use baseline income planning to build budgets around your lowest reliable monthly income, so lean months stay covered. Ongoing coaching is especially useful for freelancers, seasonal workers, and commission-based earners.
Can my partner and I attend sessions together?
Absolutely — Shared Family Goal Planning and couples coaching are built around joint participation. We facilitate neutral conversations so budgeting becomes a team effort rather than a source of tension.
Is this financial advice?
We focus on budgeting, savings strategy, and debt payoff planning. For investments, taxes, or retirement products, we're happy to refer you to a licensed financial advisor.
Can I cancel monthly coaching?
Yes. Coaching is month-to-month and you can cancel at any time with no penalty. Many clients use coaching intensively for three to six months, then check in occasionally as needed.