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

Putting a Price on Fun

Occasionally we'll have a client call the office to tell us they're considering buying a boat. If you're like me and have grown up around water, chances are you have fond memories being in and around the water. However, a boat is, of course, a costly item, so to help with the decision-making process we use the concept of ‘costs per units of fun.' If ... Read more

Property Review May 2019

This property clocks show where the housing and unit markets are heading in each capital city. 12 o'clock is BOOM and 6 o'clock is BUST. It is a great visual representation of how the property market in each city is performing. The Key Indicators that are studied are 1) The Economy 2) Affordability 3) Supply 4) Demand 5) Investment Value. The Economy section is broken ... Read more

Rule of 72

Make your money work for you from as young an age as possible!Ask yourself a question: are you working for your money, or is your money working for you? If you are stuck thinking about working for money, it's time to become your money's boss.Your first step is to make your money work for you, as soon and as much as possible, ... 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.