Corporate identity including new name and logo.

Hi, I am a small (undercapitalized!) start-up in Australia. I have a company name, but it's not testing well, (in fact people hate it) and i need some help. The current name is Hindsight Now. My thought process was that I'm giving my users the benefit of my hindsight, now. The business is about educating 15-22 year olds about how money works, to help prevent them from falling into debt, start to get ahead and get ready for building wealth. The product is an online money management system (budgeting system). I want a creative new business name, and logo. Blank canvas as to where you take it. I'd love to see some ideas/concepts before I award the contract. Thanks, Mark