Why you NEVER have enough money!

Most weekends when hanging out with my friends I regularly overhear them griping about how they never seem to have enough money.

So, I actually decided to ask one of my friends what he thought would be the solution to his never ending problem of 'insufficient funds'. He (just like 95% of the people who I ask) responded that if only he got a pay rise, or if he earnt more money then everything would be just fine!

Now, every day I see clients who are in this same scenario. Many of them have actually already gotten pay rises but they still seem to be stuck in the same predicament.

The reason why?

Here's a hard and fast fact - a pay rise will not end all of your money problems! The moment you get that pay rise - you instantly increase your standard of living. This now means that your lifestlye is slightly more comfortable, but you STILL have the same money problems. There is no surplus cashflow left over because 'extra income' has been created, has now been eaten up by your increase in living standards.

The solution

We all need to become better managers of our own money. Work out your cashflow each and every week and budget with that figure in mind. Prioritise your expenses, and always aim to SAVE 10% of everything that you earn.

Our DIY 6 Week Money Management Course is a great way to do this, you'll start slowly getting your money in order and see real results by the end of the course. All communication is via a weekly email providing you with activities, resources and proven strategies to take control of your money. 


• Week 1 - What's the real value of your money?
• Week 2 - Your financial snapshot
• Week 3 - STOP spending - what can you afford to go without?
• Week 4 - Creating your spending plan
• Week 5 - Easy ways to boost your cashflow
• Week 6 - Getting REALLY smart with your savings!

The key to our course is that it's easy, it won't take up much of your time, and most importantly it will build up good habits. Just commit to thinking about your finances once a week and get yourself set up NOW for a stress-free and financially secure future.

For more personalised advice, you could also get in touch with our Money Coaching team for your free consultation. We'll come and see you, help you to analyse your situation, and give you proven strategies on how to reduce your debt and get on the path to financial freedom for good.

Can you really afford NOT to?


Sign Up for our free 6 Week Money Management Course


Scott Parry, founder and CEO of Crown Lending, has been helping Australians manage their finances for close to a decade. Since launching his mortgage and debt management business from scratch in 2004, Parry has provided an alternative to the big banks that has consumer interests firmly at its core. 

From a one-man office in Perth, Crown Lending has expanded to a national company that manages more than $250 million in home loans. This growth can be attributed to Parry’s radically simple approach to personal finance, addressing the number one financial concern for most Australians – debt reduction.


*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.