Finance advice

Why your financial leakage stops you from investing

By Marion Mays

All too often, we hear about someone who has just bought an investment property and how lucky they are. The reality is, it has very little to do with luck and everything to do with choice.

By simply cutting out the lavish lunch here and there and bringing home-prepared food to work, you can not only save considerably on weekly expenditure but eat healthier too.

What about those climbing ATM fees charged at non-bank machines, parking fees and other small expenses? Even buying mineral water adds up to more than one thinks.

These small expenses and unconscious leakage can actually get you into an investment property, if managed efficiently.

Considering that a well-researched and bought investment property may only cost as little as $70 per week to maintain, this equates to only a couple of lunches with friends or a few glasses of wine at a bar down the street, whereas an investment property is a more rewarding and beneficial investment.

By introducing a more personally valuable reward like treating yourself to a massage rather than a six-pack of beer, we can change the way we spend significantly. Such savings can easily add up to be sufficient to plug the shortfall on an investment property.

Of course, buying a property takes a little more than just a few saved lunches, but with low interest rates and high rental demands, financing an investment property is highly achievable.

Looking at the most common points of leakage or where costs can be reduced are obvious. Small things such as re-assessing insurance premiums for homes and cars, reducing bank fees and credit card charges, re-evaluating subscriptions and memberships such as the gym you have not attended for months, can add up.

Another great idea is to have a garage sale or put things on Gumtree where you can sell your unused goods stored away in garages and attics. These can add up and could easily be put towards your deposit.

It really is surprising to see how some of my clients have literally gotten their deposit together by reducing and de-cluttering, and are now affording their investment property by maintaining slightly different spending habits.

It is more often about our beliefs around money and property investing as well as the spending habits we have, than the actual income or savings we make, that stop us from buying an investment property.

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About the Blogger

Marion Mays

Marion Mays

Marion Mays is the founder/director of Thalia Stanley Group, a property investing mentoring firm assisting clients to find the most effective investment strategies for their circumstances, and guiding them to building financial security through property.

FROM THE WEB

podcast

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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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Dominique unpacks how, by relying on her background in law, she was able to overcome that debt and in doing so develop a unique investment strategy which she believes many can utilise today.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

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:

3 big property investment myths busted open
5 steps to take on low-risk property developments
Securing finance after life-changing events: ‘Cash flow is key’

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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.

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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

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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!

RELATED AREAS OF INTEREST:

How technology is changing the lending environment
Lessons from a falling market
APRA investor measures have ‘run beyond their usefulness’: industry body

 

AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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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.

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Getting finance approved in this tightening lending environment

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