Finance advice

Apps to help you stick with your financial New Year's resolutions

By Heidi Armstrong

HeidiArmstrong 70x60Although New Year’s resolutions can provide hope and motivation for those wanting to change, these promises don’t always last. Every year, people vow to lose weight, learn a new skill or save more money. But more often than not, most resolutions are abandoned by February. Out of the 50% of Australians who make a New Year’s resolution, 88 per cent don’t continue.

Blogger: Heidi Armstrong, CEO, State Custodians

But with so many new gadgets popping up every year, it is becoming even more difficult to make excuses for not sticking with your resolutions. Phone apps allow you to manage your new year’s resolutions in the palm of your hand and it is not hard to find a good quality app that costs less than a dollar. So which apps are most helpful?

TrackMySpend
If you have trouble keeping track of your expenses, this is the app for you. TrackMySpend helps you record expenses such as your household budget, special events costs, work expenses and regular cash expenses. By recording every expense, small or large, it will give you a more realistic idea of your spending habits.
Other features included in this app are: view expense history, create a spending limit, categorise expenses and create reminders for repayments.

Check
With the new credit reporting system coming into effect in March 2014, it is now even more important to make repayments on time. If you find that you regularly miss a due date for a bill, this app may be beneficial for you. 

You are able to set reminders for due dates and also connect your bank account or credit card so you can pay straight from the app or schedule a future repayment. By connecting your accounts to this app, you are able to review them quickly and easily whenever you like.

Find My ATM
According to RateCity.com.au, four in 10 Australian ATM transactions are made on ATMs that belong to institutions other than their own. In 2012, Australian spent $670 million on ATM fees.

This app makes it easy to avoid these unnecessary ATM fees. All you have to do is enter the financial institution you want, choose an ATM location and the app will calculate the directions for you.

Coles & Woolworths app
Do you find that you often end up over spending at the grocery store, even if you have a shopping list? These apps can help you avoid making unnecessary purchases. With both of these apps you’re able to build a grocery list, browse the weekly special and even create a shopping trip, so you will only be guided down the aisles you need – perfect if you have kids with you.

If you want to bypass the shops all together, you are able to arrange a home delivery order at a time that suits you. This will not only save you time, but also help stop you from making impulse buys.  


About Heidi Armstrong
HeidiArmstrong 340x408

Heidi Armstrong is the CEO for State Custodians Mortgage Company. Since founding the Company in 2006, State Custodians has grown to become one of Australia’s most respected non-bank lenders. Heidi holds a Law Degree, a Bachelor of Science and a Diploma of Finance and Mortgage Broking Management. An expert in personal finance, securitised lending and the mortgage industry, Heidi is passionate about sharing her invaluable knowledge to educate borrowers.

Widely recognised and respected by industry peers, Heidi was a finalist in the 2012 Australian Lending Awards for the Best Thought Leader. Moreover her Company, State Custodians, has received numerous awards, including Money Magazine’s 2013 Non-Bank Lender of the Year, a ‘5 Star’ CANSTAR rating on four of its main loans for six years running and the prestigious award for Best Overall Customer Service at the 2013 Australian Home Loan Awards (beating all of the major banks, credit unions and other lenders and mortgage providers for superior customer service).

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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RELATED AREAS OF INTEREST:

Hobart
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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital  in a number of decisions which she made along the way.

Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

How the Australian property marketplace could change
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Why buying new property doesn’t mean buying better property
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  ["title"]=>
  string(55) "Busting perceptions of a doom and gloom property market"
  ["alias"]=>
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Media hype would have you believe that the Australian property market is in dire circumstances at the moment and that there is no money to be made.  But is that really the case?

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In this episode of the Smart Property Investment Show, regular guests Steve and Victor of Right Property Group join host Phil Tarrant to discuss the current state of the Australian property market as it is portrayed in the media, and analyse if things are as dire as we are being led to believe.

They will compare regional markets with capital cities as investment options, reveal some areas which they consider to be poor investments at the moment while also discussing some of the markets where they see future potential.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

The investment strategies that actually work
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A spiralling market, or just media spin?

AREAS MENTIONED: 

Hobart
Sydney
Perth
Brisbane
Shepparton
Cambridge Park
Geelong
Wollongong
Melbourne
Newcastle
Orange
Dubbo
Bathurst
Armidale
Bendigo
Cairns
Ipswich
Emerald
Port Hedland
Surfers Paradise

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(53) "Finance Tips and Insights - Smart Property Investment" ["menu-meta_description"]=> string(91) "Financial tips for property investors, from mortgages to cash flow to saving for a deposit." ["secure"]=> int(0) ["page_description"]=> string(11) "sample desc" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2018-09-10 06:23:01" ["slug"]=> string(61) "18524:busting-perceptions-of-a-doom-and-gloom-property-market" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(81) "/investor-stories-1/18524-busting-perceptions-of-a-doom-and-gloom-property-market" }
Busting perceptions of a doom and gloom property market

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