Finance advice

Smarten up your spending

By Phillip Tarrant

While it might be tempting to use a recent pay rise or tax refund as an excuse to splurge, implementing some good, smart spending strategies now can help you realise your financial goals sooner.

 

If you’d like to assess your finances and see where you could spend smarter, here are a few ideas to get you going. If you have any questions or need further details feel free to give us a call.

Know your cash flows: The only way to really get on top of your finances is to know exactly where your money is going. Sit down and map out where your family wages are spent then take the time to work out what the essentials are and where you could cut back.

Save: It’s the easiest way to improve your finances! Make it a must rather than a consideration by setting up a monthly direct debit: 10 per cent of your salary is a good start but if you’re saving a lot of extra cash in interest repayments as a result of the drop in interest rates bump it up while you can.

Keep control: A weekly allowance is an ideal way to give you some spending money while keeping tabs on it. Use your allowance to buy those extras like clothes or DVDs, and if it’s a big ticket item you want, keep saving until you can afford it!

Stop using credit: Credit cards, no matter how much you think you need them, are more often than not more trouble than good. Cut back on the number of cards you have as well as your limit; moreover only use them when you can transfer the cash immediately.

Up your mortgage repayments: One of the best ways to improve your financial position is through increasing your home loan contributions. If you can maintain the repayments you were making before the rate cuts, try dedicating at least one quarter to half of the money you are now saving back to your mortgage. You can potentially save tens of thousands over the life of your loan by paying more than the minimum repayments.

Being cash conscious doesn’t need to feel like you’re suffocating; just remember to plan your finances, monitor household expenditure, spend carefully and you’ll be able to make a huge difference to your financial future!

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podcast

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With the softening market impacting property values in many parts of Australia, Sally Dale, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.

Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.

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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Sydney
Brisbane
Adelaide

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A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing, and while many real estate agents are also feeling the squeeze McGrath Brighton Le Sands' Bill Tsounias claims it is simply the market returning to normal.

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In this episode of the Smart Property Investment Show, Bill joins host Phil Tarrant to share his thoughts on the current Sydney property market, and to share the shifts that he has seen in house and unit sale prices following their worst quarter in the past decade.

Bill will unpack why properties are spending longer on market, share what he believes property investors are doing wrong when trying to sell their properties and share the secrets to getting the best out of a real estate agent and an auction in the current softening market.

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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Revesby
South Hurstville
Sans Souci
Strathfield

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Gavin Kemp and his now-fiancé bought their first property together after only six months of dating. They weren’t even living together at the time. Now, two years on, the pair have bought five properties, sold two and have a solid plan in place for their ongoing property journey. 

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In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

Gavin will share his thoughts on the current property market, reveal the people who he has leaned on throughout his property journey and discuss why his strategy employs a zero procrastination rule.

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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Redcliffe
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A joint property portfolio before they were even living together

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