At Rise Above Debt, we believe financial freedom starts with clarity and structure.
Our services are designed to help you manage debt, optimise loans, and create a plan that puts you back in control — step by step.
Once you know what you’re working toward, your motivation will skyrocket. We’ll help you figure out what matters most to you, then build you a financial plan that gets you there.
Dream bigger, spend smarter. Based on your short- and long-term goals, we’ll crunch the numbers and show you exactly how much you need to be saving. (Plus, where to put it to maximize interest rates.) The goal? A budget that makes room for the things you love most, and gets rid of the stuff you don’t.
That means setting aside small reserves that prevent setbacks from turning into new debt. A financial roadmap that finally makes sense — with less stress, fewer surprises, and more control over your money every month.
Got student loans that refuse to die? Credit card debt you can’t seem to shake? We’ll help you refinance your loans (if needed) and get a handle on your debt once and for all.
Your dream vacation is closer than you think. Whether it’s a honeymoon in Greece or a year-long adventure around the globe, we’ll break down the costs, build you a budget, and help you economize.
Boost your credit score, rack up rewards points, and get the most out of your credit cards. We’ll share hacks for switching to the best possible cards and avoiding fees.
We don’t invest your money for you (we’re not money managers, and we don’t touch your accounts). What we will do is walk you through the investment landscape and educate you on the options available.
Super. We’ll help you make sense of it all and set aside the right amount so you can retire comfortably when the time comes.
Change doesn’t happen overnight — it happens with consistent action.
Our Accountability Service is designed to keep you focused, motivated, and supported as you implement your financial plan. We don’t just give advice and walk away — we help you follow through.
Regular progress reviews to keep you on track with your goals.
We’ll assess what’s working, what’s not, and make clear adjustments when needed.
Life doesn’t always go according to plan — and that’s okay.
We’ll be there when challenges come up, helping you stay calm, problem-solve quickly, and keep momentum.
Behavioural Coaching
Money habits are just that — habits.
We’ll work with you to strengthen discipline, reframe setbacks, and build the routines that drive lasting results.
You’ll know exactly where you stand at all times.
Through measurable goals and visible wins, we’ll make sure you can see — and feel — your progress
Confidence through consistency. You’ll stop starting over and start seeing tangible results — one disciplined week at a time.
No guesswork. No confusing software.
We use a simple but powerful custom-built spreadsheet system to map out your entire financial life — your income, expenses, debt, and goals — all in one clear view. You’ll finally see exactly where your money is going, what needs to change, and how small adjustments can make a big difference.
You’ll see the timeline for debt reduction, savings growth, and future goals — updated automatically as your numbers change.
The spreadsheet isn’t just numbers — it’s the foundation of our coaching process.
We’ll work on it together during calls, update it as your situation evolves, and use it to keep your decisions data-driven and goal-aligned.
Whether you’re managing multiple loans or simply want a better deal, we’ll help you find the most efficient and stress-free path forward.
Our role is to guide you through the complexity — so you can make informed choices with confidence.
Interest rates change, and so should your loan strategy.
We’ll help you review your current loan, compare new options, and refinance where it makes sense — freeing up cashflow and reducing long-term costs.
If you’re juggling several repayments, consolidation can simplify your finances.
We’ll assess whether combining your debts into one manageable repayment will save you money and stress.
Sometimes the issue isn’t the loan itself — it’s how it’s structured.
We’ll ensure your repayment terms, interest type, and frequency align with your goals, not the bank’s.
