Would this have helped me when I was sitting at my kitchen table?
Money with Moana grew from that question — and from having to rebuild my own financial life one practical step at a time.
Moana Howard
Founder · Registered BAS Agent · Xero Certified Consultant
In 2008 I was married with three kids, living on the water, and life was good. Then the GFC hit, and we pretty much lost the lot. We went from week to week just getting by, and the marriage ended in 2014. I found myself without a home and without a way to make money.
I'd always done the books for our business, and I'd worked with figures since leaving school in 1987 and falling into a job at a local Chartered Accountants. But none of that changed the reality of being 42, with no job, no money, and pretty much homeless with three kids. I had to learn, grind, and figure it out — working multiple jobs at once just to get a roof back over our heads. Then came a long stretch of making it week to week.
Through all of it, I held onto a vision: a business that wasn't just me trading hours for someone else's hourly rate. Then I met Jade, and together we started JMR Promo — uniforms, signage, flags and banners for local businesses. We don't buy stock until it's sold, and we give small businesses the same service and pricing the big companies get. Helping someone look professional so their business can grow — and ours grows with it. Along the way, I completed my bookkeeping qualifications and became a registered BAS Agent.
Through the women's support groups I'm part of, I see the same moment over and over — a marriage ends, and someone is suddenly overwhelmed, with no idea how to put one foot in front of the other. That's exactly where I was. If I can use what I know to ease that financial crush, even a little, that's why this app exists: to show you your numbers, what you need to cover the bills, how to save on groceries, how to save time, and how to budget for what's coming. Once you know what you need, you have power.
From there, I want to help you build a side hustle — even if it starts small, like Uber Eats or online surveys — with real, trustworthy ways to earn a bit extra. If you've already got a skill, say cleaning, I want to show you how to turn it into a business: how to market it, how to get insured, and how to put money aside for tax. I want to watch women get past this moment of overwhelm, and come out the other side.
Credentials
Registered BAS Agent — BAS Agent Registration No. 26249785
Xero Certified Consultant
Member, Australian Bookkeepers Association — Member No. 13171
Co-founder, JMR Promo
Built for real households in more than one country
The Money Table now supports Australia, New Zealand, the United States, Canada, the United Kingdom and South Africa, using local currencies and everyday household terminology where it matters.
What Money with Moana stands for
Understand My Money · Feed My Family · Keep My Home Running · Rebuild My Future · Take Care of Me · I'm Not Alone.
Have a question?
I read every message myself. Email Moana.
Money with Moana provides educational information and practical organisational tools. It does not replace personalised financial, legal, tax or other regulated professional advice.