Finance+More Spending Analysis Tool
Analyse your income and spending patterns, spot leaks, and begin taking control of your money with clarity.
Free tool to help you analyse spending and build clarity
Take Control of Your Money — Without Guesswork
Finance+More helps freelancers and small business owners build simple money systems for clarity, cash flow, and confident decisions — without jargon or overwhelm.
Built for freelancers and small business owners who want calmer money systems.
Immediate access • No spam • Unsubscribe anytime
You’re not bad with money.
You’re operating without a system.
You earn. You spend. You hope. But hope is not a financial strategy.
Finance+More is built for people who want clarity — not spreadsheets for sport. You’ll know what you can spend, what you should save, and what your business can truly afford.
Calm structure, consistent habits, better decisions.
Finance+More Tools
Six practical tools to bring order to your business + personal finances — with the first tool available now and more coming soon.
Business Cash Flow Template
Know what’s safe to spend weekly — even when income is irregular.
Personal Budget Planner
Stop the end-of-month panic with a simple plan that fits real life.
Debt-Free Kickstart
Quick wins first — clarity before motivation and guilt.
Pricing Strategy Worksheet
Charge sustainably — not emotionally. Covers costs, margin, and “what’s worth it” pricing.
Weekly Check-In Guide
A 10-minute routine that keeps everything aligned even on messy weeks.
A simple setup. A calm weekly rhythm.
01
Download
Get the first tool instantly and start building clarity.
02
Set it up once
Use it to review your numbers and organise your spending.
03
Build confidence
Make better decisions with visibility instead of guesswork.
This isn’t motivation — it’s a system.
Most people don’t need more hustle. They need structure.
Money gets messy when your business and personal life overlap — especially with variable income. Finance+More focuses on solid advice and simple systems you can maintain: calm, clear, and practical.
About Michael
Michael has spent a lifetime working in finance across professional practice, engineering, retail, and construction-related businesses.
He completed his career with a 15-year spell as Director and CFO of a multinational engineering group operating in Ireland, the UK, and the USA — helping grow the business from a single small company to more than $90 million in revenue.
Today he works as a consultant and shares practical tools and frameworks through Finance+More to help freelancers, entrepreneurs, and individuals take control of their money without jargon or overwhelm.
No hype. No complicated theory. Just systems that work in the real world.
Clear pillars. Practical outcomes.
Cash Flow Clarity
Know what’s safe to spend and when to hold back.
Money Habits
Find the leaks, build routines, and stay consistent.
Strategic Decisions
Debt, pricing, big purchases — choose with confidence.
Ready to take control of your money?
Enter your email and I’ll send the Finance+More Spending Analysis Tool instantly. You’ll also receive occasional practical emails focused on clarity, cash flow, and better decisions.
No spam. Unsubscribe anytime.
Preview of the Finance+More Spending Analysis Tool
Quick answers, calm clarity.
Is this only for business owners?
It’s built for freelancers and small business owners first, but the principles and tools can help anyone who wants better money visibility.
Do I need Excel skills?
No. The tool is beginner-friendly and designed for practical use, not spreadsheet gymnastics.
Is this US-only?
No. The framework works in Ireland, the UK, the EU, and beyond — currencies and categories are flexible.
Will you spam me?
No. You’ll get practical emails and you can unsubscribe anytime.