moneyproblems.com.au

moneyproblems.com.au Business Plan

Tagline: Solving your money problems, the Aussie way.

Description: Imagine a trusted online hub where Australians find clear answers and practical solutions to their financial challenges.

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Executive Summary

moneyproblems.com.au is an online platform dedicated to helping Australians untangle financial confusion and take control of their money. We provide expertly curated guides, comparison tools, and personalised support, making financial literacy and decision-making accessible to all. Our vision is to become the go-to destination for Australians seeking practical, jargon-free solutions to everyday and long-term money problems.

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Problem

Many Australians face financial stress due to lack of accessible, unbiased information and guidance. Key issues include:

• Widespread confusion about financial products (loans, superannuation, insurance, etc.)
• Overwhelm from complex, jargon-filled advice
• Difficulty comparing options and understanding hidden costs
• Limited access to impartial support, especially outside capital cities

This information gap perpetuates poor financial decisions, leading to increased debt, missed opportunities, and reduced wellbeing.

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Solution/Product

moneyproblems.com.au offers a suite of digital resources addressing real-world financial challenges:

1. Educational Guides: Plain-English explainers on budgeting, debt, investing, superannuation, tax, and more.
2. Comparison Tools: Interactive calculators and side-by-side product comparisons for loans, credit cards, insurance, and utilities.
3. Personalised Q&A: Users can submit questions and receive tailored responses from accredited financial professionals.
4. Community Forum: Moderated space for users to share experiences and tips, fostering peer-to-peer support.
5. Action Plan Templates: Downloadable checklists and step-by-step plans for common scenarios (e.g. first home purchase, consolidating debt).

Our approach emphasises transparency, simplicity, and cultural relevance to the Australian context.

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Market & Audience

Target Market:

• Australians aged 18-55, digitally literate, seeking financial guidance
• Urban and regional residents
• Key segments: Young professionals, families, students, recent migrants, self-employed

Market Size: | Segment | Est. Population (M) | Key Needs | |---------------------|--------------------|--------------------------------| | Young Adults (18-30)| 5.2 | Budgeting, debt, renting | | Families | 7.1 | Mortgages, insurance, saving | | Self-Employed | 2.4 | Tax, cashflow, superannuation | | Recent Migrants | 1.0 | Banking, credit, cost of living|Competitors:

• Government resources (e.g. Moneysmart)
• Comparison sites (Finder, Canstar)
• Financial influencers (social media)

Differentiation:

• Unbiased, no hidden sales agenda
• Focus on practical, step-by-step guidance
• Personalised Q&A and community support

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Monetisation

1. Affiliate Partnerships

- Revenue from referrals to vetted financial products and services (e.g. low-fee bank accounts, insurance policies). - Strict disclosure and independent review processes to maintain trust.

1. Premium Membership

- Monthly/annual subscription for enhanced features: in-depth guides, priority Q&A, downloadable templates.

1. Advertising

- Limited, highly relevant display ads from trusted partners.

1. Sponsored Content

- Clearly labelled, expert-reviewed articles or webinars from reputable financial institutions.

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Go-To-Market

Brand Positioning:

• Approachable, trustworthy, and distinctly Australian.
• Emphasise independence and user empowerment.

Acquisition Channels:

• Search engine optimisation (SEO) targeting money-related questions
• Social media campaigns (Facebook, Instagram, TikTok) with relatable, locally-flavoured content
• Partnerships with community organisations and universities
• Collaborations with ethical financial advisors and influencers

Launch Plan:

1. Beta launch with core guides and tools
2. Early user feedback programme
3. PR push in major Australian media

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Operations

• Team: Core staff of 5 (Founder/CEO, Content Lead, Product Manager, Web Developer, Community Manager)
• Advisory Panel: Accredited finance professionals for content oversight
• Technology: Custom WordPress or headless CMS, secure cloud hosting (AWS/Azure)
• Customer Support: Email and live chat during business hours
• Compliance: Regular legal review to ensure content aligns with ASIC and ACCC guidelines

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12-Month Roadmap

| Quarter | Milestones |
|---------|-----------------------------------------------------|
| Q1 | - Finalise MVP (guides, calculators, Q&A) |
| | - Beta launch, onboard advisory panel |
| Q2 | - Public launch, initial marketing push |
| | - Affiliate partnerships live |
| Q3 | - Launch premium membership |
| | - Expand content to include business finances |
| | - Community forum live |
| Q4 | - Mobile optimisation and app exploration |
| | - User base >10,000, first sponsored content deals |
| | - Begin regional outreach partnerships |

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Risks & Mitigations

| Risk | Mitigation |
|-----------------------------------|-------------------------------------------------------------|
| Loss of trust (biased content) | Transparent policies, regular audits, user feedback loop |
| Regulatory changes | Ongoing legal review, proactive ASIC/ACCC compliance |
| Low user engagement | Iterative UX improvements, incentives, community initiatives |
| Affiliate revenue dependency | Diversify with premium and sponsorships |
| Cybersecurity threats | Regular security audits, robust data protection |

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KPIs

• Monthly Active Users (MAU): Target 12,000 by month 12
• Content Engagement: Average session duration >3 mins; bounce rate <40%
• Affiliate Conversion Rate: >2% of unique visitors
• Premium Memberships: 1,000 paying members by year-end
• NPS (Net Promoter Score): >50
• Trust Score: Maintain >90% positive feedback on content credibility
• Operational Efficiency: <10% monthly churn in premium membership

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moneyproblems.com.au will empower Australians to make confident, informed financial choices by cutting through complexity with clarity, practicality, and local understanding.