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The first thing to do when interest rates rise is to stay calm. It's OK. We've got you. Rates increases are inevitable - especially after over eleven years of status quo with record lows and no increases from the RBA. So yesterday’s increase of 0.5%, taking the base rate to 0.85% is no surprise. Economists are predicting that the cash rate will rise to [...]
One of the first lessons I learnt when I started hiring a team was the importance of clarity. I needed to be really clear on: * the culture I wanted to create * the values of the company * the values of the people I was going to hire * the tasks that I needed to let go of in order to grow and [...]
One of the greatest lessons I’ve learned in business is that I can’t do it alone. Nor should I. It was a pretty big move for me to hire my first team member. It was a big commitment financially and mentally - but I really had no choice. I couldn’t keep doing everything myself and I really didn’t want to spend 24/7 tied to [...]
Milestones are the little stepping stones along the path of life that let me know that I’m on track to achieve my goals, however big and audacious they are. They’re my little celebratory points that give me a moment to pause, check in, do a little happy dance and then continue with the momentum needed to get to where I’m going. When I work [...]
A few years ago I came across the acronym BHAG and I love it! BHAG is a Big Hairy Audacious Goal. Doesn’t that paint a beautiful picture? Well maybe not beautiful with all that hair, but it really does conjure up amazing images of something that is compelling yet a little scary. Something that will push me out of my comfort zone and help [...]
When you're buying a house, whether it's your home or an investment property, there are three things you must do. Have your finance organised. Finding the perfect home and then missing out on it because someone else can sign the dotted line or pay the deposit before you can is hard! Arranging pre-approval, knowing your borrowing capacity and having everything ready to go, gives [...]
What’s the best thing about buying a house? Everything! Whilst the process of buying might not be easy, the “owning” is great. Here’s why: 1. It’s yours. All yours! Well, the banks too, but keep making those repayments and you don’t have to worry about that. 2. You can decorate it without having to ask permission. Paint it any colour you want! Hang a [...]
For many people, a mortgage is a "set and forget" type of thing. If that's you, now is the time to change! Getting a mortgage sometimes feels like you're running a half marathon. If you're doing it against the clock, it's like running that half marathon at a sprint. It can be hard work. You have to find all those payslips, bank statements, supporting [...]
One of my favourite words in the world is "yet". Adding it to the end of a sentence is so powerful and totally changes your mindset. I can't do it... yet. I don't have enough money... yet. I don't have the skills... yet. I'm not fit enough... yet. I don't have time... yet. I'm not ready... yet. That tiny little three letter word opens [...]
When you’re planning to buy a home or investment property there is often a very real problem of information overload. You mention your plan to a few people and then the “property buying experts” come out of the woodwork, all offering their well intentioned advice. Some may have good valuable advice. Some might have gloom and doom, some might be outdated or simply wrong. [...]
