Sort My Money - Personal Budgeting

I have been using Sort My Money's services for a few months now and am impressed with the positive trajectory my finances have taken in that time - I did look at MyBudget but was not keen on their reviews. David Rankin, my cash flow specialist, has been instrumental in this transformation. He has provided tailored advice and actionable strategies that fit my financial goals. His guidance has been clear, practical, and effective. I highly recommend Sort My Money for anyone looking to get on top of their finances.

My husband and I were frustrated with our money, as we were not on top of our finances and should have been better off than we were. We wanted someone to help us get in control of our money and our financial future. We started by booking an appointment with MyBudget but then realised that they do not actually teach you anything, so once we heard about Sort My Money we booked in with them instead. David Rankin is our dedicated financial coach at Sort My Money and he has taken us both on a journey! It’s not always easy to change old habits, but – with his help and guidance – we have kept to the plan and are now managing (and valuing) our money so much better. As a result, we are finally in control and the financial frustration we felt is a thing of the past. We can even see where we will be in the next few years, which is a big motivation to stick to the new habits we have learnt.

A friend recommended I check out Sort My Money to help me get on top of my finances and I’m glad I did. I had previously been considering MyBudget but I did not like the fact that they charge an establishment fee and take over your money. Sort My Money - and David Rankin especially - has helped me take control of my finances with clear advice and practical solutions. David is friendly, professional, and is truly invested in helping clients succeed. I would highly recommend Sort My Money for anyone looking to achieve their financial goals!

Since signing on with David Rankin at Sort My Money, I am learning to stay consistent and stable in my finances. Having someone holding me accountable, I no longer save only to end up back at the start when unexpected things arise. David has helped me stay consistent while I still have control over my money and bank accounts unlike other budgeting companies, such as MyBudget. Highly recommend if you need guidance and assistance in planning for the future.

Thanks to David Rankin from Sort My Money, my husband and I have transformed our financial chaos into a well-organised system. Before choosing Sort My Money we also looked at MyBudget but decided that we did not want to hand over control of our finances to them, because we were really looking to improve our own financial habits. Now, in the face of rising living costs and external pressures, David has not only helped us understand our weekly expenses but has instilled in us effective habits and accountability. As a result, we have a clear picture of our spending, and everything is meticulously accounted for. This process has not only brought organisation to our finances but has also been an enlightening learning experience. Grateful for the invaluable guidance!

When we first spoke with David Rankin from Sort My Money we were financially broken. We were relying a lot on Afterpay, and the combination of our monthly and fortnightly wages was a challenge for us. We had spoken to MyBudget twice who - on both occasions - wanted us to enter into a Part 9 debt agreement, which we did not want to do. After speaking with David he put our minds at ease by confirming that MyBudget's advice was not correct as a debt agreement was not necessary, and now 3 months into working with him he has got us on a track where we can finally see light at the end of our tunnel. We are finally excited for our future and now don’t experience anxiety when a bill needs to be paid. Honestly, we cannot thank David - and Sort My Money - enough.

I first bumped into David Rankin, the founder of Sort My Money, at an expo and then had a phone appointment with him a few years ago and he was amazing at sorting out my finances. 5 years later life changes and financial situations change, and David crossed my mind again. My husband and I have now been using his services for the past year and he has saved us financially in that time by teaching us how to be smarter and organise and budget our money in a way that suits our goals. If it was not for him we would not be in the confident and comfortable position we are in now. Sort My Money isn't like any other money business, as David genuinely wants to help you and tells you exactly what the outcomes will and won't be, which is why I didn’t bother with other budgeting services like MyBudget. With a cancel anytime, no lock in contract, it is also affordable. I have already recommended David and Sort My Money to numerous people because they have helped us so much.

My husband gets paid monthly and I get paid weekly, and we have always struggled with these different payment frequencies and generally have nothing left over by the middle of each month, even though the budget I put together showed that there should be a surplus! We were getting sick of this situation month after month so I decided to look around for some help. I started by researching MyBudget but did not like their sign-up costs or the fact that they hold your money, as I did not want our bills to be paid late. I then messaged Sort My Money and got a call back from the founder, David Rankin, who explained that they would be able to tailor a plan for us and teach us how to get into new habits and that they don’t charge any start-up fee. Fast forward 2 months and David has been as good as his word and has made what we previously thought was impossible actually become possible. What’s more, for the first time, I am feeling relaxed about money and budgeting and starting to gain the confidence that I previously lacked :)

As a working mum, I know from experience that a big part of family planning is actually career planning. Previously, my decision about when to plan to return to work after a pregnancy was very much hit and miss - based on my best guess about what would work financially by then. The family budget we now have with Sort My Money, though, has removed this guesswork by showing us our account balance over the next 5 years based on different return-to-work scenarios. This is great for me, as it has allowed me to choose a date in the future that I know will work for the family finances, so it has really taken the worry and emotion out of what - in the past - was a stressful decision :)

Approximate cost: $50

On the day we were booked in for a meeting with MyBudget we read about Sort My Money and decided to give them a call. We knew we needed help, as we were both spenders, racking up debts and not on the same page with our money. David Rankin, the founder of Sort My Money, was very honest about our situation, but told us that if we were prepared to stick to the plan and put in the hard yards we would – in his words – reach the light at the end of the tunnel. Fast forward to the present and we are different people with our money – aware of everything that is happening in our financial lives, which we certainly were not before - and finally on the same page as a couple. It hasn’t always been easy, but the feeling we now have of being in control of our financial future is worth all the effort. David is absolutely amazing and helped us to change our lives for the better!

I was frustrated by my slow financial progress and lack of savings – everyone but me seemed to be getting ahead. I had tried to budget but was still wasting money, as it was difficult to get motivated. I looked at MyBudget but I didn’t want them to take control of my money – what I really needed was someone to teach me good habits and hold me accountable. That’s exactly what I got with Sort My Money – who came highly recommended by a friend. The moment I spoke with David Rankin I knew he meant business and would not let me get away with my old half-baked approach. Up till then, my bank account was always running on empty – I thought that’s just the way life was. Now I know better – now I always have money in my account, so now if there's ever an emergency, it’s no longer a drama. Even more important though is that my savings (towards a car and a house) are galloping ahead and I am loving this progress – loving seeing my dreams come closer every day. I used to be stuck in a financial rut, but now I am hooked on the progress I am making and there’s no way I am ever going back to the old me. Thank you, Sort My Money – you have definitely sorted mine!

Approximate cost: $49

As a couple, we used to be savers, but family life meant that we got into lazy financial habits, so we decided to look for someone to help us get back on track. We read Barefoot Investor, but that didn't fully address our challenge. We also looked at MyBudget but they wouldn't be teaching us anything new. We decided to go with Sort My Money, because David Rankin, the founder, said they would show us a new and disciplined way to manage our day-to-day finances, and he has been as good as his word. We are glad we started with them when we did because, since then, cost of living pressures have really taken off. Thanks to the budget, we now feel much more in control and prepared for the higher mortgage, electricity and grocery costs which have come our way.

There never seemed to be enough money and despite trying to budget by myself it didn’t improve. With retirement coming on, I was feeling very anxious. I wanted to learn how to do this right. I did a google search and initially contacted MyBudget and it turned out they would do it for me at a high cost. I contacted Sort My Money and David was just what I needed. He has coached me through organising my accounts, and all my regular bills are now scheduled for payment and I know what I have and what is due at any given moment. I now have a very clear picture of what my expenditure and income are and with David’s coaching I am learning how to manage my money. I am now going to my financial planner with a clear picture of what I need per annum to live on in retirement.

After buying a new house last year, we wanted to implement a system to organise our finances. We looked at MyBudget to start with but ended up going with Sort My Money, as Sort My Money does not charge an upfront
fee, and we are so glad we did because everything is now a lot more streamlined and working better - and we finally feel that we are getting in control of our money!

After being a customer of MyBudget for 6 years, I felt like we weren't any better off than when we started. I had less than $100 saved, and I realised that myBudget were really just a "bill paying service" and they were not teaching me how to budget my money effectively. In April 2022, I started doing my own research and found Sort My Money with David Rankin. David called me and spent a lot of time trying to find out what my problems where and what I needed help with. He explained to me how I could change my mindset about money, and teach me the skills to manage my money better. After 2 months of being with Sort My Money, I feel a lot more self-assured and confident about managing my money, and have a much better understanding of exactly what money is coming in and what is going out. Thank you David.

Thank you, David Rankin at Sort My Money - I can’t tell you how much more secure my husband and I feel, having someone who is able to interpret our complex family finances for us in a way that we can understand. We feel so grateful to have you on our team!

After experiencing some financial stress, I had a look at what was out there but didn’t like the MyBudget reviews I read or their establishment fee and decided to give Sort My Money a go. The result is that, not only have they educated me about how to organise our money properly, they have also left me feeling incredibly financially empowered. I have already recommended - and will continue to recommend - Sort My Money’s services to anyone who tells me that they are not completely on top of their money.

I approached Sort My Money because my husband and I were so busy that we did not have an overview of our finances. I looked around at different options and did not like MyBudget’s upfront fee or them taking over our finances, so we decided to give Sort My Money a go - and I am so glad we did. Their systemised approach and personal service are exactly what we were after and we are taking control with their guidance.

After years of struggling to pay my bills and living week-to-week, I desperately wanted to dig my way out of the massive financial canyon I had got myself into. As a previous customer of MyBudget (who consistently paid themselves rather than my rent and almost left me homeless because of it - not to mention their exorbitant fees) I researched options for assistance. Of course, MyBudget was the primary result, but after reading through the negative reviews, I came across a suggestion for Sort My Money.
David Rankin was quick to return my call (at 10:30pm - less than an hour after my enquiry!) and from there my life changed.
Unlike MyBudget, Sort My Money don’t act like a controlling husband, holding your precious money hostage. They teach you to manage your money, and even factor in birthdays, Christmas, car tyres and spending money.
In 4 short months, I can FINALLY see a light at the end of the tunnel, and for the first time ever, my bills are paid up, I have money in the bank at the end of each pay cycle and … I had my first Christmas without stress!
I’m now on my way to buying a new car and my first home, all thanks to David and the team at Sort My Money - no “buckets” needed.
If you’re struggling, you’re certainly not alone! Take the most important step and reach out to Sort My Money - you will not regret it!

David Rankin at Sort My Money has changed the way I manage my finances. Other services like MyBudget wanted thousands - and to take total control of my money. David has taught me how to manage my own money with genuine, affordable, practical advice. He gave a straight upfront review of my finances and convinced me that with commitment and discipline I could reap the rewards. 5 stars for Sort My Money.

My partner and I have been beyond impressed with Sort My Money and how David Rankin has been able to finally give us the financial stability we have so desperately needed. Unlike companies such as MyBudget who take control of all your money, David provides us with a living, breathing budget which accounts for all of our weekly/fortnightly/monthly and annual debits while we remain in complete control of our bank accounts. We never thought we’d be as far ahead as we already are and we are looking forward to seeing how much we can save in 2022. Thank you, David, for all your help.

I booked an appointment with MyBudget to go through my finances and they concluded that my only option was to become insolvent. Needless to say, this news – and the insensitive way they delivered it - had a devastating impact on me. During the meeting I began crying when I heard the words “bankruptcy”. At such a young age, earning a decent wage, I would have never thought I would need to declare bankruptcy. When I managed to pick myself up from this, I decided to approach Sort My Money for a second opinion, and I am so glad I did, as their verdict could not have been more different. They told me that my situation could be sorted out and that I had everything to hope for, and ever since that appointment their actions have been as good as their words. I could not be happier with the progress I am making with them and the confidence I now have about my finances as a result. Sort My Money do exactly that. Hold me accountable for my money and teach me the best way to manage it. It was important for me to write this review, because if I had followed the advice that MyBudget gave me, my life would have been very different right now, and so I can only encourage anyone else who experiences what I did to seek a second opinion.

Sort My Money has been a godsend. I felt embarrassed at first to ask for help with my money, but I am so pleased I did, because I now have a money mentor and confidence with money that I never had before. I previously looked at MyBudget but I didn’t like their establishment fee. Sort My Money charges nothing upfront, which is why I decided to give them go – and I have honestly never looked back since! Thank you David! Myles (Melbourne Vic)

Approximate cost: $5

After a lifetime of being a ‘spender’ I decided to seek advice. Money had always slipped through my fingers, I lived pay to pay.
I had previously been a client of MyBudget for 3 years. However, I left feeling I had not learnt any money management skills. It was a parent/child relationship in which my money was controlled. Their fees were also high, and I was locked in for 6 months while I paid off these fees.
What drew me to Sort My Money from the outset was transparency regarding fees and that there was no lock in contract.
I cannot speak highly enough of David Rankin. He spent over an hour on the phone during our first call discussing my attitudes towards my finances. I could see I had been living in the present, and not thinking about my financial future. What followed the next day was a lengthy phone call where David went through my spending in detail. I felt supported and understood.
In the 5 weeks I have been with Sort My Money I have felt a big shift in my attitude. David’s daily support, guidance, and personalised approach have helped me learn new skills. I feel very confident I will take these skills with me.
David is far more than a financial expert – he has a good understanding of the ebb and flow of money in our lives and the thinking processes that can lead to a feeling of lack financially.
My anxiety over my finances has gone.
And I now even forget when I am getting paid, which is a big, and welcome, shift in thinking!

I have spent years trying to work on my own budget and living paycheck to paycheck, dreading those bills coming in.
I researched both MyBudget and Sort My Money looking for help.
The difference between the two is that Sort My Money teaches you how to manage your own finances compared to MyBudget that control your budget for you.
There are also no upfront fees to pay with Sort My Money.
David Rankin has been so helpful and non-judgmental about my finances, debts and spending habits.
Within 5 weeks we have managed to turn around my finances so that I am no longer in a deficit or living week to week.
I would definitely recommend Sort My Money.
Joanne Cruden

We used to be with MyBudget but this time chose Sort My Money because – unlike MyBudget – they charge no establishment fee and offer a more personalized service. While MyBudget had control of our money, once we left them we were no better off than when we started. Sort My Money has actually taught us HOW to make a budget work and we're excited to say we are no longer living paycheck to paycheck - something we never thought would be possible!

My partner and I are busy business owners and our personal finances were in need of some love, as we were giving all our attention to the business. We also wanted some separation between our business and personal. We initially looked at MyBudget - but did not like their high upfront fee and long-term commitment. We liked the fact that Sort My Money charges no upfront fee and that you only have to stay with them if you are happy with their service. As it turns out, we couldn’t be happier. Our finances are running like clockwork. Plus our business and personal finances are now completely separate but working in harmony. Our accountant is happy too! We also like the personalised service - David Rankin has guided us throughout this process and he is a wealth of information and always on hand if we need him.

I chose Sort My Money’s budgeting services, as I liked the fact that they would teach me how to manage my money myself - as opposed to MyBudget which involved handing my finances over to them and not learning anything. In the space of just a few months, I have started to master new techniques and am feeling much less stressed and far more in control of my money and my financial future. David Rankin is very understanding of personal circumstances and has a wealth of knowledge.

David Rankin was recommended to me by friends and I can safely say he has changed my life! In the space of a few months and by making some really simple, easy to understand changes to the ‘flow’, together we have: addressed a lifetime of excessive spending and poor money management, re-ordered my budget in the form of all my weekly, monthly, annual, and adhoc expenses, educated me on the importance of cashflow for financial health, and most importantly, given ME balance, peace of mind, and the tools to carry on successfully without him when the time comes. A lovely guy and a gentle (but persistent!) money coach, I’d highly recommend David and Sort My Money to anyone committed to changing their unhealthy financial habits.

We did a bit of shopping around to help take our financial freedom goals to the next level after talking to our accountant and really needed a little bit of extra help to reduce debt and look at long term financial goals. We spoke to MyBudget but didn’t want to pay the establishment fee as it didn’t seem like they were going to reduce our overheads in the short term. Once we talked to David Rankin from Sort My Money we were sold, not just on the low cost, but he really wanted to understand our financial freedom goals and he would work alongside us, not just as a number but a real person. He has completely reframed how we think and talk about money and over the year we have reach a lot of those goals with his support. Thank you