A house is only as strong at its foundations so we need to ensure our lives have strong financial foundations. We can help by putting a system in place that harnesses and directs income, reinforces good habits and provides support to impede bad habits taking hold.
Review your spending patterns. Have you ever said about your money ‘I don’t know where it all goes’? Then you probably should find out. By reviewing your current spending patterns we can start to see where it all goes (which can be scary). Most people’s two biggest expenses are taxes and interest so we need to find the most appropriate strategies such as re-structuring your investments, taking full advantage of superannuation and maximising your deductions and rebates. Having an informed, independent perspective on your spending can help you identify areas that you may be able to save without impeding your lifestyle.
Develop a cash flow plan that suits you and your lifestyle. We never get ahead if we’re spending more than we earn. Our advisers can help you develop a plan, show you how you can track your ongoing spending against your plan and have a cash flow monitoring service that can do the numbers for you. Whatever your current situation, we work with you to create a workable plan that grows as your needs develop.
Help you identify the most sensible use of your cash surplus. The right use for your extra cash depends on your bigger picture. Should you put it against your home loan, save it, invest it or a combination of all three?
As your financial guide, we can help with what will work for you and take advantage of the opportunities available to you personally. We help you maintain strong financial foundations so when the storms come you can withstand them. You receive ongoing support and encouragement to revisit your objectives and cash flow plans on a regular basis.