It’s Important to know where your money is going
Irrespective of your income and expenses, having some form of a budget and debt management strategies makes it easier for you to make conscious decisions about how to allocate your money.
A budget is a useful tool to help you manage your income and expenses, giving you the confidence to make decisions. ASIC’s MoneySmart website has a Budget Planner, which can help give you an idea of where your money is going.
Making an appointment with a financial adviser to review your budget can open up opportunities you might not have realised were there, without necessarily making huge changes to your lifestyle. You might be surprised to discover extra ways to make your money work more effectively for you, helping you reach your goals sooner.
We know that wealth creation takes some thought, planning and discipline. It’s important for us to find out what your goals are, what you want to do in your life and how you’re going to finance it all.
What things do you want to spend your money on, and when?
How are you managing your debt commitments?
How much money do you have left over after you pay all of your bills?
Are you earning more but not saving anything?
What are your investment preferences?
What experience have you had with investments?
How do you feel about leveraging any assets you currently have?
Your priorities and questions will naturally depend on your stage of life. Once we have a picture of where you are currently, we can design a plan for you to achieve your goals.
Questions to ask yourself
Are you making more than the minimum repayments on your loans?
Will you be in debt for longer than you’d like to?
Do you have a thorough understanding of your income and expenses?
Do you have a savings plan for any financial setbacks or unforseen events?
Are you on track for the lifestyle you want?
We’re here to help you organise your assets and savings into a plan which will meet your goals for your lifestyle now and in retirement.
My world fell apart at that moment of diagnosis. As I the battled for my life, knowing that my financial worries were taken care of by trauma insurance let me get on with fighting that fight. Reg took care of everything quickly, and with care, concern, and compassion. My clearest memory is that none of the official meetings felt like a business transaction. Reg visited at my home, we had a chat, shared a cuppa and got it all done … on my timeline.
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Providing professional Debt Management solutions since 1968
As a long term family business, we understand what it takes to build a great business and we’re passionate about helping protect your business and personal assets. Our expertise covers a broad range of risks and industries, meaning you get the benefit of professional insurance and financial advice, personalised service and solutions for your specific needs.
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