How long have you had your home loan? How long since you've reviewed it or re-financed? Do you think you have built some equity in your home that you could put to good use? If your home loan is more than a couple of years, now is the time to make an appointment and take [...]
Real estate agents are experts in their field. They are engaged by the vendor to get the highest sale price possible, and their commission is based on that sale price. There are some awesome agents out there, that do a great job and are really good to deal with. Often, it seems like they're on [...]
So "spending plan" is the new buzz word to replace "budget". It seems like "budget" has too much baggage. It's tight, restrictive, boring, inhibiting and just plain dull. Whereas "spending plan" has a little more appeal. It has possibilities and a little bit of freedom. It seems like I'm in charge of it and we [...]
Just like with everything else in life, we need to know where we're heading in order to get there. So where do you want to be, financially, on the day that you retire? Will your super have enough to support your lifestyle? Do you need returns from investments to boost the funds available? Are you [...]
Whether it's your interest rate on your home loan, a personal or car loan or your credit card, it's really important to know what it's costing you to be in debt. And, importantly, if it could be costing you less. Obviously the best thing to do is to get rid of debt - especially credit [...]
When you're starting out with securing a home loan or investment loan, you need to start with the end in mind - or at least plan for a couple of years down the track. This helps to make sure your loan is structured in a way that will work for you now and in the [...]
If you're more like, "Budget? What budget?", then we need to talk... Whether you're shopping for birthday gifts, Christmas presents, your weekly grocery shopping, a new outfit or a house, you need to have a framework to work within. The bigger the price tag, the more important it is to stay within that budget. It's [...]
If you feel that buying a house is similar to climbing a very large mountain - on a snowy day - in gale force winds - without gloves and a beanie - then you're not alone. But there is hope and there are some things you can do that will help you buy your first [...]
Infrastructure investment is a key indicator that many investors look for when they’re pinpointing a location to start their property search. And it makes good sense. The key categories of infrastructure investment that property investors look for are transport (airports, roads and rail) and social (schools, hospitals and community facilities) because, historically, they’ve driven economic [...]
I don't know about you, but I'm a massive Christmas nerd. I have our house decorated from head to toe before the end of November and I love it! Are you the same or do you cringe at the thought of getting the tree out that early? It seems that there are two camps forming [...]
