Finance advice

Debt – the good and the bad

By Steven Cross

It’s a four letter word – debt – but not necessarily a bad one. If used wisely, the rewards can be significant; approached unwisely, the results can be calamitous.

 

If financial freedom is something to which you aspire, a good understanding of the right approach to debt is a must.

Certainly, the single biggest mistake any one can make is approaching every debt as equal. In fact, some debts are considered ‘good’ and other are considered ‘bad’.

Good debts are those that have been used to invest in an appreciating asset, such as property. Taking out a home loan can be a great way to leverage your existing cash and build your personal wealth.

Bad debts on the other hand are those that have been procured to fund depreciating items that don’t add any real value to your financial situation, such as a car or a holiday.

The first step towards financial freedom is eliminating bad debt. The interest charged on such debts, for instance personal loans and credit cards, isn’t tax deductible and unlike the interest on some ‘good’ debts, it will continue to grow as time goes by.

It may be tempting to ‘just put it on the credit card’, but this common call can be a recipe for disaster.

By eliminating bad debt, you’ll be in the best position to expand your investment portfolio or buy that new home you’ve been dreaming of.

If, unfortunately, you boast a rather large number of high interest bad debts that you cannot pay off easily, it may be worth consolidating these debts into one.

This may mean you can secure a single, lower interest rate. Even if you can’t, you will still only have to manage one lot of loan repayments as opposed to a whole plethora of bills.

To tackle your bad debt head on and get your financial future on track, here are a few tips for you to follow:

TIP 1: Just stop. Cut up your credit cards and avoid adding any new bad debt to your load.

TIP 2: Draw up for yourself a weekly or monthly budget so you can account for every dollar.

TIP 3: Pay off the most expensive debt first.

TIP 4: Make extra repayments as often as you can.

TIP 5: Limit spending to necessities only. Motivate yourself to do this by setting a timeline and reward yourself for sticking to it.

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With the softening market impacting property values in many parts of Australia, Sally Wood, 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
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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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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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A joint property portfolio before they were even living together

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