A few years ago I introduced systems into my business. They help train new team members, they ensure that no step is forgotten, they help with decision making and they ensure quality and consistency through every process. I find them incredibly useful and one of the most valuable resources I have. If something is working so well in one area of my life I [...]
As a mortgage broker I come across people struggling to buy a home almost every day. Their struggles tend to fall into one of three categories: money knowing what they want competition If you’re struggling with money, here are some options to help: set up a spending & savings plan get a side hustle, save 100% of the earnings ask for help from a [...]
And it's the key to so many things. Mindfully managing your money simply means that you think before you spend. Which means that you are conscious of the impact on your financial bottom line, you think about whether you really need the item you're considering, you may also be conscious of the impact on the environment, the difference it will make to your life [...]
If you're diligently saving and keeping your eye on the market, we're here to cheer you on, keep you motivated and ready to get that all important pre-approval as soon as you say the word. If you're very content in your current home, we love that! Keep your eye on interest rates and let's see if we can get you a better deal when [...]
It can be hard work to find the right mortgage for your circumstances. So where do you start? Firstly, decide what “right” means for you. Do you want flexibility to make additional repayments or security of the same repayment every month? Do you want an offset account or just the bare minimum features at the cheapest rate? Consider your long term objectives. Are you [...]
Everything! Whilst the process of buying might not be easy, the “owning” is great. Here’s why: 1. It’s yours. All yours! Well, the banks too, but keep making those repayments and you don’t have to worry about that. 2. You can decorate it without having to ask permission. Paint it any colour you want, hang a picture wherever you’d like, rip up and replace [...]
Do you want to save instead of spend? Here are my top tips to get your bank balance going up instead of down. Cancel a subscription for 6 months. Do you really need Netflix, Stan, Disney, Prime, HayU, Foxtel, and Spotify? Getting rid of just one for 6 months would save you at least $60. Hold onto your phone for an extra 6-12 [...]
I've found that three is my magic number when it comes to planning. I set myself three big goals to accomplish within three years with check-ins every three months. And it works - for me. It's not too long, or too short, too many or too few. Are you an active goal-setter? Do you have a number or formula that works for you? I [...]
If your home needs a revamp whether it’s to make you fall in love with it again or in preparation to sell, here are our top tips to breathe some new life into your home: Repaint – inside or out, or both. A fresh coat of paint is ideal to make a tired home look bright and fresh again. You’re best to stick with [...]
Funding your retirement is a topic that often needs more attention than it gets. Will your super be enough? Will you have made good investment decisions that will allow you to enjoy your years in retirement to the fullest? What else can you do to really capitalise on what you have? One option that is there at our fingertips is to capitalise on the [...]
