Online household budgeting coach

Young adults, couples, new parents and people going through a life change who want practical help with day-to-day money.

Paid single sessions, multi-session packages and occasional group workshops or short online courses.

• Good with numbers and budgeting tools
• Non-judgemental, encouraging coaching style
• Clear communication
• Basic marketing and social media

• Stay on general education: advice on specific investments, super or insurance products can need an Australian Financial Services Licence, check with ASIC
• Helping people with credit or debts may fall under credit licensing rules, check before offering it
• Make clear in your terms that you are not a licensed financial adviser
• Consider professional indemnity and public liability insurance
• Clients may be in financial stress, so know where to refer them, such as free financial counselling services

Startup costs are typically around $300 to $1,500, depending on the booking and video tools you use, any budgeting templates or courses, and how much you spend on a website and marketing. These are estimates only.

Monthly revenue is typically around $400 to $2,000, depending on how many clients you coach, your session prices and whether you run one-to-one or group sessions. The estimate starts from about 5 hours a week.

Check with ASIC before advising on specific investments, super or insurance products, as these can need a licence. Also check credit licensing rules before helping with debts, state in your terms that you are not a licensed adviser, and consider insurance.