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 thinking about your money and being conscious of how much you are spending and where you are spending it shifts your spending patterns. It is the secret to moving forward financially and paying down your debt.
A prime example of this is when you go grocery shopping using a credit card Vs grocery shopping and using only cash.

Your mindset with the credit card is often:
“My balance isn’t up at my limit, so I can afford this…”
Vs the cash mindset of
“I’ve only got $500 to last to Monday, what do I need?”

The stats from the grocery stores are showing that every week you do your grocery shopping, with cash you spend 14% LESS every week on your shopping!
It’s so much easier to be conscious of your spending when you are running on a CASH DIET. There is” no need to use a credit card as you have your redraw available as your emergency fund.

Scott Parry

*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.