Live life on your own terms

Let’s get one thing straight: you will NEVER gamble your way to wealth! Recently, I read a fascinating article about Australia’s lottery system.It described life in the small low-income towns and rural areas throughout Australia, where a high percentage of people struggle with money living from pay cheque to pay cheque. They frequently encounter financial emergencies (such as medical or car issues), ... Read more

How do you plan for upcoming expenses??

Over the past decade of studying peoples spending behaviour we have seen that the clients that regularly call in to discuss their large upcoming expenses and how to best structure them, have benefited financially from the independent advice we give. It has usually resulted in preventing their cash flow from being drained for that large expense / purchase and they continue ... Read more

Will more money make you HAPPIER?

A not-so-secret formula to live happier Over the past 13 plus years of talking to Australian families about money, there have been three key factors that all of my ‘happiest’ clients have had in common: Happiness = A Sense of Purpose + Being in Financial Control + Strong Personal Relationships Everyone always thinks that earning more money will make them happier, but in ... Read more

Building up Emergency Funds

One thing we focus on at Crown is the importance of an emergency fund. The first step toward financial peace of mind for ALL our clients, is to build up your redraw to a point that you have three months worth of living expenses and interest payments. This is no easy feat, but with some discipline and focus it is very ... Read more

Your Values, Your Happiness

Simply thinking about your money and how you are spending it is a huge step forward for most of us. In years gone past we have all found ourselves spending all of our incomes and more on credit cards, unconscious of exactly how much we have spent and no ability to recall exactly where we have spent it all… Just by ... Read more

“A goal without a plan is just a wish”

Importance of setting financial goals and targets Most of us have never set a financial goal and focused on achieving that over an extended period of time. Especially when it comes to paying off a traditional home loan over a 30 year period! Whenever we don’t have a financial goal or target, we as humans ‘drift’ along financially. The facts are that no ... Read more

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
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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.