Choose your planCalm money. Clear plan. More freedom.
BudgetMum helps 18–25 year olds turn confusing money into one clear weekly spending amount, dedicated accounts, and a system that runs quietly in the background.
No judgement No lectures No giving up coffee
SPENDYour weekly amount
readyBILLSCovered automatically
sortedCARWOF, rego & repairs
growingGOALSHolidays & savings
on trackYes, fun money is included.A plan should fit real life.
1:1 Personal setup with Trudy
90 Minute Zoom session
30 Days of email support
100% Built around real life
One system. Two ways to begin.
Choose your path and we’ll make the next step simple.
FOR YOUNG ADULTS 18–25
Stop guessing what you can spend. Build your own personalised money system with calm, one-on-one help.
One-off$349NZD
Book my setupFOR PARENTS
Outsource the hard money conversations and give your young adult a practical system they will own for themselves.
One-off$449NZD
Gift their setupThe real-life difference
This isn’t about tracking every coffee or becoming perfect with money. It’s about replacing the mental load with fixed amounts you can actually trust.
“Instead of everything being in my head, I now have fixed amounts. I know what I can spend each week, and I know I’m covered.”— Jayna, 22
Checking your bank balance to decide what you can spend
One fixed weekly amount you can spend without guilt
Bills, food and fun money all mixed together
Dedicated accounts, each with one clear job
WOFs, birthdays and holidays arriving as surprises
Small automatic amounts building before you need them
Saving whatever might be left at the end
Your goals included in the plan from payday
Simple by design
No complicated finance language. Just three calm, practical steps.
We turn weekly, fortnightly and monthly amounts into one clear picture. No judgement—just useful numbers.
Spending, bills, car, savings and fun each get a purpose, with automatic transfers wherever possible.
You leave with your weekly spending number and a personal system that quietly keeps everything covered.
Built with you, not handed to you
Your money, income and priorities are different—so your system should be too. Trudy helps you build the spreadsheet and account structure around the life you actually live.
Your own Google Sheets systemThe maths is done for you.
90-minute one-on-one Zoom setupCalm guidance, at your pace.
Dedicated bank account structureEvery account has a clear purpose.
30 days support + follow-upHelp while the new system becomes normal.
Practical help from a real mum
I’ve spent more than 20 years working with systems, finances and behaviour change. I’ve used this exact approach with my own family and with young adults who felt completely lost with money.
I’m not here to tell you off or tell you what you “should” spend. I’m here to help you see the full picture, make choices that fit your life, and build a system you can trust.
Good questions
If you’re wondering about it, someone else probably has too.
No. The spreadsheet does the maths. We focus on making the numbers clear and helping the system fit your real life.
No. Your plan includes a realistic spending amount for everyday life and fun. Knowing the amount removes the guilt and guesswork.
Trudy will email you personally, arrange your session time and send a short questionnaire so your setup can be tailored to you.
No. BudgetMum provides practical education and coaching, not personalised financial advice. This is a one-off setup with 30 days of support.
If, within 30 days, you feel the programme wasn’t the right fit, email Trudy and a refund will be arranged.
Your next payday can feel different
Choose the personal setup that fits—and let’s build a money system you can trust.
One-off payment • Securely processed by Stripe