Each week on How to be Good with Money, financial planner Eoin McGee helps a household to manage their money and reach a goal they thought they’d never achieve. 

Last week, Eoin told us how to build a 'no-brainer portfolio' for the long-term investor, sharing his advice on getting ahead with saving by using just a few savvy tricks and tips. Fundamentally, however, such a portfolio relies on the investor knowing what to invest, when and how. 

Our priorities, Eoin explains in the video above, often get skewed by the allure of discretionary expenditure - the fun activities such as eating out, going to concerts or the odd drink with a few friends. These smaller costs add up slowly, like grains of sand, while more pressing and important payments such as pension and car insurance are left until the end. This can lead to our more important financial responsibilities being neglected.

This message - of managing your payments smartly and prioritising where they should go - is central to tonight's episode of How to Be Good With Money.

On the fourth episode of the enlightening show, Eoin comes to the help of a young dog groomer struggling to get her business of the ground. 

Rachel Heelan, a 31 year-old dog groomer from Donegal, lives what many people would consider the dream: as a groomer and carer for dogs in Wicklow, where she lives, her customers are among the fluffiest, sweetest and most adorable good boys and girls around. 

Dream job aside, the practicalities of running such a business are complex and Rachel has been struggling to manage the finances enough to give her business legs. 

Eoin swiftly spots Rachel's mistakes, namely that she lacks a straightforward and clearly defined system for paying herself out of the business and logging business expenses. Rather than follow what many would see as basic financial planning, Rachel took a more ad hoc approach. 

Eoin steps in with a plan to "groom" her business management plans, while also working to achieve her other long term goal of buying a house. His advice is that if she wants to be taken seriously by the bank, she much act seriously. 

"When I look at your bank accounts", he tells Rachel at one point, "sometimes there's lodgements in the personal accounts, sometimes there seems to be lodgements in the business accounts. That has to stop, okay?"

Does this mean Rachel lives out her days without money in her personal account? Of course not, but it requires stricter and more effective business management. This involves cleaning up her bank accounts, using her business and personal accounts for what they are intended for – and to start paying herself a wage. 

We follow along as Rachel implements this simple but challenging plan set out by Eoin, seeing over the course of a few months the ups and downs involved, and ultimately the reality of managing your own business. Will she stick to her plan, get her affairs in order and find success with her dream job? More importantly, perhaps, will she learn anything lasting lessons about financial management? 

Tune in to How to Be Good With Money, tonight at 8:30pm on RTÉ One to find out.