Why paying off your home will give you Financial Security

We’ve all heard the term Financial Security, but what does it actually mean? I think it means different things to different people. The most common explanation we hear is… “If I owned my own home outright and Debt Free, that to me would give me a feeling of Financial Security” And I totally get it! The peace of mind that you will feel when ... Read more

Happy Relationships

How do you manage a relationship when your partner is not looking for financial freedom and you are, and they are considered the spender in the relationship?Or how do you manage a relationship when your partner is looking for financial freedom and you aren’t, and they are considered the saver in the relationship? First of all, understand that you don’t have an ... Read more

What exactly is Financial Security in your eyes?

Do you want to know the #1 rule in personal finance for couples? Spouses almost never agree on the definition of “financial security.” Even the simple act of talking about what to do with extra money can cause conflict in relationships. Why? Because at the core of these discussions are deeply-held values about what security (or the lack thereof) looks like.  ... Read more

Budgeting… Not a sexy word at all!

More often than not we are happy to get on the budgeting bandwagon for short periods of time, eager to save up for that holiday or new car. But, as we sip cocktails on a beach in Hawaii feeling satisfied about a job well done, the gratification is short-lived. Soon, we’re back at square one, wondering where all the fruits of our budgeting ... Read more

Renting WHERE YOU LIVE

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
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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.