Simon Chadwick
Co-founder, Orbit Money
Simon is the co-founder of Orbit Money, a personal finance platform that helps people track and cut down on recurring spending. He's spent the last nine years building products across fintech, crypto, and consumer finance.
His perspective on subscription management comes from both sides, designing financial tools and dealing with the same subscription headaches as everyone else. Dark patterns, subscription overwhelm, free trials that aren't really free, apps that make cancelling harder than signing up.
Orbit Money was built to solve these problems because he's lived them personally. Simon writes about subscriptions, budgeting apps, and practical ways to get a handle on your money.
Articles by Simon
Australian tax changes for 2026-27: the full list
Every tax change from the 2026-27 federal budget in one place: tax cuts, negative gearing, CGT, the $1,000 work deduction, super and small business. What's law, what's still proposed, and who it affects.
1 August 2026
Australia's Capital Gains Tax Changes (2027): What's Actually Changing
The 50% CGT discount is replaced with cost-base indexation and a 30% minimum tax from 1 July 2027. What's changing, who's affected, and how to model your gains.
30 July 2026
Salary Sacrifice in Australia: How It Works and What It Saves You
Salary sacrifice routes pre-tax pay into super taxed at 15%, not your marginal rate. On a $100k salary, sacrificing $10k saves about $1,700. See the caps and the fine print.
30 July 2026
Australia's Negative Gearing Changes (2027): Who's Affected and Who's Grandfathered
Negative gearing on established homes bought after 12 May 2026 is restricted from 1 July 2027. Owned before the cut-off? You're grandfathered.
29 July 2026
HECS Repayments in 2026-27: How Much Will You Pay?
Earning under $69,528 in 2026-27? You repay no HECS. Above it, just 15c on each extra dollar. See what you'll pay at your salary, plus the 20% debt cut.
29 July 2026
Managing your money with ADHD can be a struggle. But it doesn’t have to be: Here’s how
Struggling to manage your money and subscriptions with ADHD? Here’s a guide that actually works for ADHD brains: simple, step-by-step and sustainable.
Annual Subscription Review: What to Ask Yourself Each December
Is your budget optimized for subscriptions? Our subscription review guide helps you decide which subscriptions to keep or cancel as we approach 2026.
How to Cancel Subscriptions on iPhone (Step-by-Step Guide)
Step-by-step guide to cancelling iPhone subscriptions. Plus a neat trick to avoid free trial charges. Takes 2 minutes.
Are Your Subscriptions Out of Control? Try These Simple Fixes
Too many subscriptions slipping through the cracks? Learn the best ways to track and manage them, from simple apps to smarter bank-connected tools.
Managing Subscriptions and Personal Finance Just Got Easier: Thanks to AI
How AI enhances money and subscription management. Better subscription detection, smarter categorisation, cancellations, insights and Orbit’s AI roadmap.
Subscription Fatigue Explained: How Too Many Subscriptions Are Hurting Consumers
Subscription fatigue happens when managing recurring payments becomes mentally exhausting. Discover the causes, warning signs, and smarter ways to manage subscriptions.
Subscription Overload: Why Too Many Subscriptions Are Draining Consumers and What You Can Do About It
Overwhelmed by too many subscriptions? Discover how subscription fatigue happens, hidden free-trial traps, and simple ways to cut back and save money.
Crypto Visa Cards: How They Work (and How to Get the Best Perks)
Crypto Visa card tiers explained simply. Learn hidden perks like lounges, concierge, hotels, subscriptions, merchant blocking, and what’s worth using long-term.
What Happened to Mint? Why It Shut Down + Best Alternatives
Intuit shut Mint down in March 2024. What happened, why it closed, and the best budgeting app alternatives for former Mint users in 2026.