Like everything in life, there are always advantages and disadvantages to owning your own home. A key advantage would be the perceived ‘security and stability’ that having your own home gives, especially with young children. The “nest”, or family home, is a great place of stability to raise children without the stress of having to move on whenever your landlord wants ... Read more

Investment – The Long Game

When studying wealthy people and how they’ve accumulated their wealth, many of them have a large proportion of their investment assets in property. This is because it offers fantastic leverage as well as the peace of mind that it is not going to ‘disappear’ like some stocks on the share market have been known to do from time to time. When investing, ... Read more

Slow Progress is better than No Progress

One of my favourite sayings is ‘Progress equals Happiness’.The key to happiness is the feeling that you’re making progress. Sometimes we can feel stagnant, like nothing is happening, but it’s important to remember that even slow progress is better than no progress. If you are focused on making financial progress – whether it be paying down your mortgage each month, accumulating savings ... Read more

Thinking about a pay rise? Then it’s probably overdue!

Many Australians underestimate their value in the workforce – being the unsung heroes we may not recognise our own strengths, or even ask for what we deserve. Most of us will work twice as hard hoping someone will notice, rather than simply asking for a raise. We then become disillusioned when we don’t get one, and mistakenly ... Read more

Buy Assets First…

One of the best pieces of advice I received was from Robert Kiyosaki: “Buy Assets First, which then Pay for your Liabilities”. A key example of this is when many of my younger clients who work up on the mines are asking about the best way to finance the new $75,000 Ute that they want to buy. Obviously they’re earning an ... Read more

Cash is King!

Your mindset and psychology when you spend on your bank card is totally different to that when you spend with your own cash. There have been studies done that show we are spending around 14% more on every purchase when we spend on bank cards as opposed to cash. It is simply a mindset thing! I regularly encourage people to try ... Read more

Education – Knowledge is the new Money

The Australian education system is where it all starts and unfortunately for all of us it fails to start well. I’m not talking about your grades in chemistry or physics – I’m talking about what we DON’T learn in school, that’s the real problem! For 13 years we go to school and are taught everyday things that most of us will probably ... Read more

Whats your money Personality?

Everyone has their own individual money personality which is learned behaviour over years of watching people throughout your life; like parents, teachers, mentors, business managers etc. Financial psychologist Dr Brad Klontz believes your thoughts about money play a big role in your overall financial health, and understanding this can be the key to achieving financial success. He places people into one ... Read more

Your feelings about money

If talking about money is so important, why do we have such a hard time with it? I think it’s because we’ve been taught that Money is about spreadsheets and calculators. It’s a maths problem. It should be rational and reasonable. But then we go to open the credit card bill with our partner and ... Read more

Will I pay less interest on a cheaper rate?

Your whole life you’ve been told by every person out there that the cheapest rate means it will be the cheapest loan. What we’ve discovered over 13 ears of managing billions of dollars of finance is that it’s actually the shortest Term that equals the cheapest loan. Here is an example. Let’s say bank A is offering 3.99% over 30 years and ... Read more
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*Comparison rates are calculated on the basis of secured credit of $150,000 over a 25 year term. Please note this comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.