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# Your money toolkit.

Start here. Use what you need. Make it yours. 

[Get started](https://www.hermoneymatters.com.au/contact-me?hsLang=en)

### No need to do everything at once. This toolkit is here to help you.

Whether you're finding your feet, setting up better habits, or dealing with one of life’s messier moments, you'll find something here to help.

## The four stages

### Begin with \- You -

Get clear on your values, your story, and what matters most.

### Build your foundations

Set meaningful goals and bring 'Your Money Map' to life.

### Build your knowledge

Learn about investing, super, retirement & debt management.

### Messy life events

Support for when life throws more at you than just numbers.

## I'm not just about money.

## I'm about your life and future.

![Your Money MAP](https://www.hermoneymatters.com.au/hs-fs/hubfs/Your%20Money%20MAP.png?width=2000&height=1125&name=Your%20Money%20MAP.png "Your Money MAP")

### Take it one step at a time. This toolkit has your back.

No pressure, no rush.  
Just the tools you need, when you need them.

[Get started](https://www.hermoneymatters.com.au/contact-me?hsLang=en)

Financial education is one of the most powerful tools for improving long-term financial wellbeing. Yet many women have never been given clear, accessible guidance on topics like budgeting, superannuation, investing basics, or retirement planning. This page brings those topics together in one easy-to-navigate space.

Here you will find educational tools, downloadable guides, and practical worksheets designed to help you take action immediately. Whether you are trying to understand how much money you need to retire, or you are simply looking for better ways to manage your day-to-day finances, these resources are designed to simplify the process.

Key topics covered include managing money in retirement, understanding superannuation for women, financial goal setting, and building long-term financial confidence. These are not complex financial theories — they are practical, real-world tools designed to help you make better decisions today.

Many women also use these resources to support major life transitions such as divorce, returning to work, or preparing for retirement in Australia. Each resource is designed with empathy and understanding of the unique financial challenges women often face.

We also recognise that financial education is not one-size-fits-all. Some women prefer structured learning through a managing money course, while others prefer self-paced reading or podcast learning. This resource hub supports all learning styles.

Above all, the goal is to make financial education feel accessible and non-intimidating. You don’t need to be a financial expert to take control of your money — you just need the right guidance, the right tools, and the right support.

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#### General Advice Warning

The information on this website is of a general nature and does not consider your personal objectives, financial situation, or needs. Before acting on any information, you should assess its appropriateness to your circumstances and consider seeking professional advice. If you choose to acquire a financial product, you should obtain and read the relevant Product Disclosure Statement (PDS) before making any decision.  

Past performance is not a reliable indicator of future performance. Investment markets can go up and down, and there is a risk that you may receive less than you invest.

Naomi Holmes is a Corporate Authorised Representative of Alethia Partners Pty Ltd (ABN 98 676 423 117), which holds Australian Financial Services Licence (AFSL) No. 557729.​

For more detailed information, please refer to our [Financial Services Guide (FSG)](https://www.hermoneymatters.com.au/hubfs/HMM%20Financial%20Service%20Guide%20September%202025%20.pdf?hsLang=en).

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