How are yours? When it comes to achieving a goal, what do you do to keep your eye on the prize? How do you keep yourself moving in the right direction - even through the temptations and challenges? Whether you're working towards a health and fitness goal, a career goal, a relationship goal or a savings goal, the chances are slim of you achieving [...]
Timing. It's something that rules so much of our life. We have to get to school on time, work, social events, the gym, meetings... We have to get up on time, go to bed on time. When we're looking at major life events, it's also about timing. When is the right time to take the next step in your career? Or with your partner [...]
How good are you at making them? How good are you at making sure those decisions are aligned with your goals? If you have a goal to buy a house or an investment property or save for a post COVID holiday or a new car or anything, what decisions are you making today that will impact your ability to reach your goal? If you're [...]
With all that's going on in the world and at home right now, I think one aspect that is really being highlighted is how resilient we are - or aren't. Do we have enough flexibility in our lives to make changes and carry on without too much upheaval? Do we have enough savings in reserve to manage a loss or decrease in income for [...]
An offset account is a great tool to pay your home loan off faster, but only if you use it! An offset account is a savings account that is linked to your home loan. How it works is that whatever amount you have saved in your offset account is subtracted from the amount you owe on your home loan and the interest is calculated [...]
There’s one major reason against buying your own home and that is a four-letter word: FEAR This fear can manifest in a number of ways: 1. Afraid you’ll have to change your lifestyle to save for a deposit Well you will, but you can still enjoy life. Property prices may be higher these days, which means that home loans will be higher, but just [...]
Buying a home is almost like a rite of passage. It's a goal that so many of us want to achieve. Sometimes it's because it's just something that you've always had in your life plan - that you'll grow up, buy a home, get married, have kids - in whatever order or way works for you. Sometimes it because we're driven to pursue security [...]
Besides finding the perfect property to buy, another big and important decision you need to make is the type of loan you want and the features you need. I'll give you a brief overview of the most popular options: Variable Standard variable loans are the most popular home loan in Australia. Interest rates go up or down over the life of the loan depending on [...]
So many women that I speak with are afraid that they will never be able to afford the dream home in their dream suburb. They worry that they’ll never be able to get a loan. And they don’t know how they’ll ever be able to save a big enough deposit. I even thought that I would never own a home myself, so I know [...]
For us "nerds" working in finance, 1st July is an exciting time. It's a fresh new start - another chance to set your financial goals and work towards achieving them. We can also reflect on the past year, see what we did well and what we can do better. This is relevant for both your financial business goals as well as your personal goals. [...]
