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justine, Author at Caroline Jean-Baptiste - Page 6 of 29

justine

About justine

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So far justine has created 285 blog entries.

It’s time to be intentional!

2023-11-16T12:25:45+10:00November 15th, 2023|lifestyle|

We're heading fast towards the crazy end of the year so it's important that you do all the things you want to do and none of the things that you don't. People get busy, offices close for the Christmas/New Year period, restaurants book out. Don't miss out simply because you didn't pre-plan and think ahead. If you want to buy a house, get your [...]

I want it all! I even want balance…

2023-11-07T09:17:48+10:00October 31st, 2023|lifestyle|

Do you ever feel like you're an all or nothing kinda person? I'm a pretty driven, focused woman and every now and then I get my teeth into something and I love it. I don't just love it. I LOVE IT! I can see where it's leading me, I can see what it will bring. I'm energised and excited by it - whatever "it" [...]

Are you using the equity in your home?

2023-10-25T09:51:47+10:00October 25th, 2023|Property investor|

If you bought your home a few years ago and have been diligently paying off your mortgage, chances are high that you have built quite a bit of equity. The equity is the difference between what the home is worth and what you owe - and the more the value grows and the more you pay off, the more that equity grows. The great [...]

Are your actions aligned with your thoughts?

2023-10-18T08:13:28+10:00October 18th, 2023|Money management|

I came across a quote the other day that I just love. It's from American speaker and author, James W. Frick, “Don't tell me where your priorities are. Show me where you spend your money and I'll tell you what they are.” So many of us are a little delusional, saying that we're saving for this or working towards that, yet we're still eating [...]

What lessons do we learn from our parents?

2023-10-11T10:26:01+10:00October 11th, 2023|Money management|

My parents owned a corner store and I learned from them that we had to offer excellent friendly service and be price competitive otherwise people would buy from somewhere else. (Good lesson) I also learnt that when you needed money you could take it from the till. (Not so good lesson) For them it wasn't a problem - it was their business, they knew [...]

The true value of a clear financial plan

2023-10-04T08:32:43+10:00October 4th, 2023|First home buyer|

One of the things you need before you buy a home is a clear financial plan. This is needed for a couple of reasons: to demonstrate to the lender that you’re a “good risk” - that you can manage your money and chances are high that you’ll pay off the loan as per the agreement that you sign. to demonstrate to yourself that you [...]

What’s your savings plan?

2023-10-03T09:31:37+10:00September 28th, 2023|First home buyer|

When you’re saving money, you need a goal and a plan. In my experience, it’s pretty hard to save for “nothing” but totally different when you’re saving for “something”, whatever that something is. And if you’ve got nothing to save for right now, I suggest that you make up something great because, again, in my experience, it’s pretty easy to fritter away your money [...]

What’s it costing you to not have a spending plan?

2023-09-20T08:27:01+10:00September 20th, 2023|Money management|

One of the really important things that I always stress to my clients is that living to a spending plan sets you up for success in life. Knowing what you’re spending your money on is not just being responsible, it’s being respectful of the fact that you’ve worked hard to earn that money. Tracking where your money is going, knowing what it costs you [...]

What are you really getting into?

2023-10-03T10:03:32+10:00September 13th, 2023|Home loan|

Whether it’s your first mortgage or your tenth, you need to understand what you’re getting yourself into because: a. it’s probably the highest value contract we’ll ever have besides the contract to actually purchase the property b. it’s probably the contract with the longest time period that you’ll ever sign (other than your marriage certificate) So what do you need to know? Firstly [...]

What are you looking at when you’re looking for property?

2023-09-06T08:29:57+10:00September 6th, 2023|Property Market|

Welcome to September, which also means the change of seasons with the arrival of spring, which also means that the real estate market is heating up. And this is what we've been waiting for! Sales listings have increased and the number of interested buyers is also increasing. So now we just need to see the impact. To check what's happening in your local market, [...]

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