Keren’s journey with money wasn’t always smooth sailing. Like many of us, she and her husband started with a simple goal: create a budget and stick to it.
But as they quickly learned, that wasn’t enough to get them on track financially. They tried a variety of strategies, from setting up savings accounts with bonus interest to creating multiple “buckets” for different expenses. However, despite their efforts, they found themselves still overspending and not making the progress they hoped for.
“We thought we were doing everything right,” Keren recalls.
“But looking back, we were actually doing everything wrong.”
A Fresh Start and a Real Wake-Up Call
Keren and her husband faced a wake-up call when they realised their approach wasn’t getting them any closer to their financial goals. They needed a better solution—something that would help them see where their money was going and give them the clarity to make smarter financial decisions.
That’s when Keren discovered MoneySMARTS in Moorr.
“I’m a very visual person, so MoneySMARTS was perfect for me,” Keren shares.
“The colourful diagrams and visual layout made it so easy to see everything on the screen. I could see our annual household income, total outgoings, and our surplus. I loved that I could track it monthly and annually.”
Implementing MoneySMARTS wasn’t an overnight change for Keren, but once she had it set up, the results were clear. She found that by using the system to track her spending and adjust her budget, she was able to save far more than she ever thought possible.
“It really made me think twice about my spending,” she explains. “When I saw the money in our offset account, I realised that if I took anything out, it would reduce our savings. That made me stop and think before spending, even on the smallest things.”
With the seven-day float feature in MoneySMARTS, Keren knew exactly how much money she had to spend each week without dipping into her savings. The system worked in the background, automatically tracking and managing her finances.
“The fact that it just works by itself in the background has freed up so much of my time,” Keren says.
“I don’t have to think about everything anymore. It’s all accounted for, and I know exactly where I stand financially.”
One of the most surprising aspects of using MoneySMARTS was how much more surplus Keren was able to trap than she ever anticipated. Even when life threw them a curveball—like her husband needing knee surgery—the system kept them ahead of their budget.
“I actually found the budget I made before we went to New Zealand, and I was shocked by how much more surplus we have now,” Keren reflects.
“We’re ahead of where we thought we’d be, even with unexpected expenses. It’s been amazing.”
Tune into Keren’s Full Story on The Property Couch
Want to hear more about Keren’s journey? Tune in to her full interview on The Property Couch, Episode 266. In this episode, Keren shares even more insights into how she turned her finances around and how MoneySMARTS helped her achieve her goals.
Take Control of Your Finances with MoneySMARTS
Are you ready to take control of your finances like Keren? With Moorr’s MoneySMARTS, you can see your financial picture clearly, set smarter budgets, and trap more surplus—just like Keren did. The system is designed to give you clarity and confidence in managing your money, so you can focus on what matters most.
Start using MoneySMARTS today and experience the difference for yourself. Don’t just budget—budget smarter with MoneySMARTS.
Download the Moorr App on iOS Store or Moorr on Google Playstore here and get started today.
