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How We Work

Every session follows a structured process. Here's exactly what happens from the moment you get in touch to the moment you leave with a written savings plan in hand.

The Method

Built around real documents, not estimates

Most budgeting advice relies on what people think they spend. We work with what they actually spent, documented and verifiable.

Organised stack of bank statements, utility bills and financial documents on a clean desk with checklist
Step 1

Document preparation

After you contact us, we send a straightforward checklist. It covers bank statements from the last three months, utility bills, any subscription invoices you can find, and receipts if you keep them. Not everyone has everything, and that's fine. We work with what's available and note gaps where they exist.

The preparation takes most families about 20 minutes. We ask you not to organise or categorise anything beforehand. That's our job.

Financial analyst sitting with Croatian family around kitchen table reviewing documents together with laptop open
Step 2

The joint review session

We come to you. The session typically takes two to three hours and happens at your kitchen or dining table. Both partners should be present if possible. Children over twelve are welcome to sit in.

We go through every statement line by line. Each charge gets identified, named, and placed into a category. Some things surprise people. A subscription they forgot existed. A fee that appeared automatically after a trial ended. A delivery charge that shows up far more often than expected.

We don't judge any of it. The session is observational, not evaluative.

Colourful visual expense map with category bubbles and flow lines printed on large format paper on table
Step 3

Building the expense map

As we categorise, the map takes shape. By the end of the review, you have a visual representation of your household's financial flows. Fixed costs. Variable costs. Recurring charges. Impulse purchases. Each category shows its total and its share of the whole.

Seeing it visually changes something. Numbers on a statement feel abstract. A map where the motorway coffee stops occupy a visible segment next to the mortgage payment makes the picture concrete.

Financial consultant handing printed savings plan document to couple at meeting table with warm professional atmosphere
Step 4

The savings plan

The final deliverable is a written document. It lists every identified savings opportunity, the specific monthly amount involved, and a practical note on how to act on it. Items are ordered by ease of implementation, so you can start with the changes that require the least effort and move toward the ones that need more planning.

You leave the session with this document. It's yours. We don't hold back recommendations for a second meeting or a follow-up package. Everything we found goes into the plan.

Common Questions

Things people usually ask before booking

No. We work with printed or downloaded statements that you provide. We never ask for login credentials, access codes, or any direct access to accounts. All documents stay with you during and after the session.
We work with whatever you have. Two months is workable. One month gives us a partial picture. Most banks allow you to download statements going back at least six months through their online portal, so it's usually possible to gather the full three months before the session.
For most families, the full session including the expense map and initial savings plan discussion takes between two and three hours. Larger households with more accounts and more complex spending patterns may run slightly longer. We don't rush the process.
We come to your home. This is intentional. Having the session in your own space, at your own table, with your own documents laid out in front of you makes the process more natural and more effective. Sessions at our Zagreb office are also available if preferred.
No. We provide an analysis and documentation service. We identify and map your existing spending patterns and present information about where savings opportunities exist. We do not provide investment advice, tax guidance, or regulated financial planning services. All decisions about what to do with the information remain entirely with you.

Ready to get started?

Book a session and we'll send you the preparation checklist within 24 hours.

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