What To Look For At An Open House

There’s an old saying that you should never judge a book by its cover, and this is true for houses – after all, who would buy one having never seen more than the front door? Open inspections are opportunities to flick through the pages, and here’s how to take full advantage.

Use Your Senses

Sniff, peer, listen and feel as much as you can. Your nose might pick up a mouldy or musty smell that may mean damp. You might spy small or hidden cracks that could mean structural issues. That clattering sound when water is running? That can be a sign of serious plumbing problems.

Don’t Be Distracted By The Beautiful Bling

Anyone can invest money in pretty cushions and lamps to set off the house. Or bake some cookies just as the open inspection starts, so the house smells cosy and homey. But when buying property, you’re buying the sausage, not the sizzle. So look past the perfectly presented and lit lounge room to the size, shape and placement in the floorplan of the actual room, and imagine how you will use it.

Look Up

That means checking the roof on the way in and looking at the ceilings in the rooms. Damp and leakage issues are costly and notoriously hard to fix. And once the rot sets in, it’s there to stay.

That Kitchen And Bathroom Advice

It’s true what they say. If these two rooms aren’t what you're looking for,  can you live with it. If not are you willing to spend the money required to transform them? According to research, kitchen renovations in Australia have a cost of $10,608 to $31,722, provided that the room is in good condition and doesn't need any significant structural renovation. Bathroom renovations cost upwards of $10,000, and can end up blowing budgets.

Look At Your Surroundings

What does the neighbourhoods around the property look like? Check out the location at different times of the week and day. It may sound excessive, but maybe the house is under a window-rattlingly low flight path only when the weather is bad. There’s a bar across the road that blasts out loud music in the early hours but is closed during the day when inspections are on. Or there’s a factory down the road that when the wind blows a certain way sends nasty smells wafting. If you have kids, what are the local school like? What is the local crime rate?

Ask Lots Of Questions

What are the utilities like gas, electricity and water costing the current residents? A home with large windows seems bright and sunny, but it can also make for more drafts in winter and warmer rooms in the summer – both problems that make for higher utility costs. It’s also important to ask about previous repairs and renovations; if something goes wrong down the track, it can be good to have a history.

Have A Pre-Purchase Building And Pest Inspection

This may seem obvious, but many houses are bought and sold without one. Home inspectors are trained to find flaws in a home that your untrained eye may never see as a problem, but may cost a lot to correct down the line. If it’s your dream home, you may choose to buy it even with structural or pest problems, but you’ll no doubt be able to negotiate on price.

Before you start looking at homes, talk to an Awesome Broker about how much money you can borrow and which type of loan suits y

You have fell in love at open house and want to know if you can afford it; just click the button below; then use one of our calculators.

When Is The Best Time To Get Insurance?

Bought your dream home, planning a family or about to start a new job and wondering if insurance is the right move! Whatever life stage you’re at, find out how you can protect the things you love has to be a good thing.

Buying A Property

Investing in a property is an exciting milestone for many people and families, providing a place of comfort and a sense of accomplishment. However, in the event of life’s unexpected challenges, such as accidental injury or prolonged illness, mortgage repayments can cause financial stress. In these times, it’s important that financial obligations can continue to be met. A good place to start is to assess your personal situation and whether you and your loved ones could meet your mortgage repayments if you were unable to work.

Getting Married

Making a lifetime commitment to a partner is an important point marking the beginning of new experiences with someone you love. In the partnership of marriage you will share many things, financials being one of them. From assets to debt, it’s important to consider how life insurance can protect you and your partner in the future. Although insurance isn’t likely to be on your gift registry, it’s a good idea to speak to a financial adviser to review you and your partners’ financial situation. In the instance where you have shared financial obligations, it’s important to assess if you and your partner could maintain your lifestyle if one or both of you are unable to earn an income.

Starting A Family

Having children can be the start of an exciting adventure, and gives us the incentive to work to continue to build a future full of opportunity. With children comes the responsibility of providing security for your family, especially in times of uncertainty or when unexpected life events happen. It’s important to acknowledge what the impact would be on your family’s day-to-day lifestyle if you didn’t have your income. With the potential to cover school fees, living expenses and the ongoing wellbeing of your loved ones, a life insurance policy can provide the future you imagine for you and your loved ones.

New Job

You’ve scored your perfect job, or you’re embarking on a new business venture, which usually comes with a pay rise or increased responsibility. Companies and the government provide a certain level of cover in the event of illness or injury, however in most cases the cover provided through WorkCover and public welfare schemes don’t provide adequate protection. WorkCover only provides cover if you are injured at work, and not for any illness or injury sustained outside of work. As a state-based system, the level of cover could also differ based on your location, so too will the included benefits. The right life insurance policy can protect your income and relieve financial stress if you find yourself off work for an extended period. More importantly you will know what you’re covered for, so there are no surprises when it comes time to make a claim.

When Is The Best Time To Get Insurance?

The best time to get insurance is anytime, especially when you hit those life stages. But the question you should be asking is 'What is the right insurance?' The only way you can find out is to research or ask the experts. You need to ask the right question to find the right policy for you and at Awesome Lending Solution can help set you on the right track. Call Rebecca on 1300 761 988 with any insurance question.

FYI it's EOFY!

For Your Information, it’s End Of Financial Year

For most households, 1st of July dawns with barely a cross on the calendar. But just as 1st of January prompts many of us to take a pulse check on our health and resolves to do better, the New Financial Year is the perfect time to take stock of our fiscal fitness.

Build A Budget

It’s easy to lurch from payday to payday and bill to bill in the hope there’s more money coming in than going out. The best way to manage your money and ensure you are not living beyond your means is to set a budget and stick to it.Building a true budget requires honesty with yourself about how much you spend. Consider all of your costs for an entire month; groceries, bills, loan repayments, clothing, coffees, school fees, entertainment and everything in between; and stack them against what you earn. If you find there is little left over or worse, nothing at all, it’s time to cut costs.Consider expenses you can control versus those you can’t. Loan repayments, school fees, rent or council rates are fixed. But takeaways, movies or a new pair of heels are all at your discretion, and where you can cut back. Axing one takeaway coffee from your work day can net you nearly $900 a year, while making your lunch can save more than $1,800. Pare back on impulse purchases and eating out and your annual savings could soar. Need a Budgeting Planner, check out Awesome Lending Solutions.

Set Some Goals

Nothing spurs savings like something to look forward to, such as a holiday or even a deposit on a home. Build your savings goal into your budget and set funds aside as soon as you get paid. Better still, have funds debited from your pay into an account you can’t access easily, such as an online savings account. Want to see how quickly your savings could build? Check out Awesome Lendings Solutions Savings Calculator.

Pay Down Debt

The new financial year is the perfect time to assess debt and prepare a plan to reduce it, starting with those debts with the highest interest. Consumers often make the mistake of paying extra off their home loan while carrying high-interest debt (up to 20 per cent per annum) on their credit card. You will be far better off financially if you clear the high-interest debt first. A $5,000 credit card debt at 17.5 percent, for example, attracts $850 in interest a year while the same amount on a 4 per cent per annum home loan costs just $200 in interest. Credit card providers must now outline to customers how long it will take to pay off their debt if they pay just the monthly minimum. Check out the numbers on your next statement and take steps to pay as much off as you can.

Organise Your Deductibles

Start the new tax year by knowing what you can deduct and sorting your receipts. Australian income-earners are entitled to minimise their tax so find out what you are allowed to deduct in your line of work. Try to keep a record of all relevant receipts, even if it’s just in an envelope or folder. If unsure of what you can claim, visit ato.gov.au or talk to your accountant.

Get Savvy With Your Super

If you are at a point in life where you have extra disposable income, it may be worth contributing more into your super. Talk to your tax advisor or accountant about your individual circumstances and how much extra you’re allowed to contribute. Superannuation is reported after the end of each financial year so keep an eye out for your next statement in coming months to see how your retirement fund is faring. 

Make Sure You Are Covered

Insurance may be considered a grudge purchase, but it could be the difference between financial ruin and getting back on your feet if the worst happens. Check your home and contents policy to ensure you have enough cover to rebuild and replace your possessions in the event of a total loss. Many homeowners make the mistake of just taking out enough building cover to repay their mortgage. But the sum insured should cover the cost of rebuilding your home at today’s prices, including any landscaping and fences. Similarly, contents insurance should be sufficient to cover all of your belongings if you have to buy them again as new. If you have an investment property, make sure you have a specific landlords’ policy to cover claims for loss of rent or tenant damage, which are not covered on standard home policies.

Mortgage Matters

The new financial year is an ideal time to review your mortgage, regardless of how long you have been with your lender. It never hurts to look around at other institutions and their loans to ensure your mortgage is still structured to suit your circumstances. Even 0.5 per cent shaved from a $250,000 loan will save more than $23,000 over 25 years.Talk to your Awesome Mortgage Broker about your financial goals and circumstances for this financial year so they have enough information to help you determine the right loan for your situation. 

6 Reasons Why You Should Love Refinancing

Are you contemplating refinancing but you’re not sure whether it is the right move for you?

While there is no simple response to that question, there are numerous advantages associated with refinancing that you may wish to consider.

Advantage 1: Home Loan Refinancing Could Reduce Your Monthly Repayments.

Refinancing may give you a chance to take advantage of the lower interest rates on offer. By refinancing, you could secure reduced repayments. This could occur when the loan has a lower fixed rate or lower variable rate or you receive a discounted loan which is when an Awesome Mortgage Broker negotiates a percentage off the market rate for the life of the loan. You could also opt to extend you loan repayments a little longer bringing the actual repayments down.

Advantage 2: The Total Interest Paid On Your Home Loan Could Be Reduced.

While it depends on the loan terms of the lender, even with the possible expenses of refinancing, with the reduced interest rate it is still possible for you to be paying less altogether on your mortgage. Importantly your mortgage broker should ensure that you have thorough calculations the costs of refinancing to ensure the savings you make out ways the potential costs. You should also ask your Awesome Mortgage Broker if any lenders will refund any of these costs.

Advantage 3: You Can Pay Your Home Loan Off Quicker.

If you have ended up in a situation where you are making significantly more income than you were when you first purchased your home you may wish to renegotiate the loan term or access a professional package to pay the loan sooner. Making additional payments off your loan is not always permitted; check your some loan contracts to see if this is your situation. Some loans contracts also change the repayments annually to ensure the loan runs the full 30 years. If this is you circumstance, more reason to start considering refinancing to a lender who will allow additional repayments. In some instances, it is worth considering looking at a reduced term to ensure the loan is paid off faster.

Advantage 4: Your Better Credit Could Qualify You For Lower Interest Rates.

If you have a better credit rating now than when you purchased your home it is highly possible that the interest rate on your loan is significantly higher than some of the current rates. It would be worth your while to speak to an Awesome Mortgage Broker to find out where your credit rating is today. Homeowners who have built up and improved their credit rating since purchasing their home can often take advantage of the most competitive rates out there. A better credit rating equals better interest rates, therefore, lower repayments.

Advantage 5: Refinancing Allows You to Access The Equity You Have Built Up 

The major advantage for many who refinance is accessing of possible equity which has accrued since purchasing your home. With the rise in the value of property prices in today's market, this is something worth considering. The access to equity is a great way to complete those renovations that you have been dreaming about while watching the reality shows. Another way you might use the equity; which many of Awesome Lending Solutions clients do; is to start building your own property portfolio by using the equity as a deposit for the next investment property.

Advantage 6: Refinancing Allows You To Consolidate Debt At A Home Loan Rate 

The interest rate on your mortgage is one of the lowest available. By consolidating higher interest loans like credit cards and car loans, you can save yourself thousands in interest. Ask your Awesome Mortgage Broker for a split home loan with the same condition but with the lower rates and you could be paying off that debt before you know it.

The options are endless.

Want to know more about how to access the equity or just want a better rate but don't know where to start then join us at our next Awesome Investment Club being held on the 7th of July 2015. 

5 Hurdles Between the Professional Woman And Her Loan

At Awesome Lending Solutions, we have seen a big change in the market conditions, with the recent rate cuts; Australia is currently experiencing a huge change in what people can borrow. It is an awesome climate for both first home buyers and investors, so much so that you may be able to buy a property now that you maybe could not afford six months ago with the higher interest rates. However, just because the professional woman can borrow more doesn’t necessarily mean the Bank will approve her loan application.There are many reasons her loan may be rejected. A Bank may turn down her loan application even if on face value the financial side of the loan seems to stack up. At Awesome Lending Solutions, here are the main reasons we see loans being rejected and our tips on improving your chances of being accepted: 

You Have A Poor Or Low Credit Score Or Maybe Even Defaults 

Missed or late bill repayments will show up on your credit file, and these can adversely affect your chances of getting a home loan. Even that disputed mobile phone bill from 5 years ago can come back to haunt you. Ensure your bills are paid on time and resolve any past disputes quickly. At Awesome Lending Solutions, we can check your credit file to avoid any potential embarrassment.

You Have Bank Statements Showing Multiple Incomes And Varying Spending Habits

We have come across many successful professional women who prefer to take on various consultancy roles as opposed to being committed to one employer or move within an industry quite regularly. While you know why you have three different employers in the year the Bank does not and will assume that it denotes instability in employment. This type of employment history tends to lead banks to examine your income in detail, as well as your living expenses, and other financial commitments slightly more critically when they evaluate how much they think you can afford to borrow. Every woman should develop a budget to work out how much they think they can afford, and when you preparing the budget don’t forget to include in the budget incidentals (we all like a bit of retail therapy)  even that morning coffee to give you a realistic picture of how you spend your money. This will help ensure your income is sufficient to meet potential home loan repayments. Please Contact Awesome Lending for a copy of our budget calculators to assist you with this. 

When The Story Of Your Savings History Is Clear

You have your deposit covered as well as a great job and income to meet your monthly commitments, but the bank might still say ‘No’ based on your savings history. It is important to be ready to demonstrate to your Bank or Broker how you accumulated your deposit. This will help them see that you are capable of managing your finances and meeting commitments with a savings plan.  Often this could be as simple as setting up a separate account where you have a set amount of funds being deposited on a regular basis. 

You Just Have Enough Money Put Together For The Deposit

While the savings plan can help, this can be hard; it is often tempting to dip into your savings for the latest sale or holiday with friends. Think about ways of locking money into accounts that have time delays on withdrawals such as term deposits. While you don’t want to put your life on hold, banks have minimum deposit requirements and depending on the property and application you may be required to have more. Why not talk to Awesome Lending Solutions about the size of the deposit that you would need before you apply for the loan.

You Have Fallen In Love With A Property, But The Bank Does Not Feel The Same Way

It might be the property of your dreams, but things like the size, location and presentation are all things the Banks will look at. For example, some banks won’t lend in certain post codes of if they think the apartment is just too small and won’t satisfy the banks requirement. You can avoid this by obtaining a property report from Awesome Lending Solutions for the property you are interested in to make sure it is acceptable for a loan. Are You Credit Ready? The secret when applying for any loan is that it's like any good dinner party; you need to prepare well in advance. This means having all your financial information up to date, with clear investment goals and projections for the next 3 -5 years. Show the lender that you have given a lot of thought into purchasing your next property and how you intend to manage your finances so you are considered a 'safe risk'.

Read this before you buy your next property

Establishing the right investment and finance structure is critical to the long-term success of any property acquisition.

Some people decide to convert their home into an investment property in the future. Seeking advice at the outset when you’re contemplating such a move is crucial, so that you don’t miss out on future tax deductions.

So let’s explore how you can establish the right ownership and debt structures from the outset, to reduce your risk exposure while to maximise your all necessary investment dollar and allowable tax deductions.

SEEK ADVICE

It doesn’t matter how much research you do into loan packages or lenders unless you are a professional working in the cutthroat world of finance, never assume you can go it alone.

It is extraordinarily important that you speak to an Awesome Lending Solutions mortgage broker, before you place the deposit down on a property, so that you have your debt structured correctly from the outset to make sure that you’re maximising your tax deductions on that borrowing.

An expert will guide you throughout the process, ensuring that each step is taken only after careful consideration of your personal circumstances and long-term goals when it comes to property ownership.

 If you used cash for the initial deposit of say 10%, then you’re potentially not going to get the full tax deduction that you might otherwise have received. Get that right at the outset by speaking to somebody before you sign on the dotted line.

Once you are ready to settle or you’re moving towards a settlement, make sure you have the loan structured correctly from a principal and interest perspective. Also consider the options of fixing or variable (interest rates) in light of your overall position, so that you’re not overcommitting and missing out on opportunities in the future.

It is critical for investors who need to be mindful of their cash flow.

As a professional property investor, you want to structure your finance arrangement(s) to maximise your borrowing power now and into the future and minimise any out of the pocket contribution.

Ideally, you will pay nothing at all to service the loan once structured.

This is particularly important when you’re still in the accumulation phase of your investment endeavours and are likely to have what we refer to as “bad debt” – the mortgage over your own home – which you should aim to pay down as quickly as possible, whilst capitalising on your “good” investment debt, where the government provides you with that extra negative gearing incentive.

MAKE YOUR DEBT WORK FOR YOU

A primary consideration in this optimal debt-constructing scenario is whether you have any intention of converting your home into an investment property in the future.

We have seen a lot of clients who have almost paid their initial (home) loan off.

Then moved into a new house over which they have a substantial borrowing and efficiently no tax deduction on that debt.

Whereas if they structure it correctly from the outset. Incorporate an offset facility, they can take their money into the new home and only have good debt, being the tax deductible loan on what is now an investment property that used to be their home.

LAND TAX SAVINGS FOR THE SAVVY INVESTOR

Interestingly, many people neglect to consider the ongoing cost associated with holding property when establishing an investment loan. And the price that takes the unsuspecting investor by surprise most often is the land tax.

When you are looking at ownership – be it an individual, super fund or trust – consider the stamp duty and property tax costs that are potentially attached to that particular structure.

As an individual, you have a substantial threshold before land tax is payable, whereas other entities don’t necessarily have those thresholds.

Likewise, if an individual already has an investment property in their name, your land tax bill could become expensive.

If you put another property in your name, as opposed to having it in your spouse’s name, who is not attached to another investment property title.

Given that electing to adopt this type of strategy for your ownership structures could save you a few thousand dollars each year in property tax obligations, this is something you should consider from the get go.

DO YOU APPRECIATE THE BENEFITS OF DEPRECIATION?

One of the things we find here at Awesome Lending Solutions, when investors approach us to assist with refinancing or implementing a new arrangement, is that they are underutilizing the taxation incentives available to them, particularly concerning depreciation schedules.

Depreciation schedules written by quantity surveyors, which assess the value of your property’s assets and the potential cost to replace them should the need arise.Provided the property fits within certain construction dates, depreciation, can be a substantial benefit.

Provided the property fits within certain construction times, depreciation, can be a substantial benefit.

Not only property that may have been wholly constructed after, say 1987 that should have an amortisation schedule drawn up. It can also be a property that has had renovations done since that time.

This means receiving deductions on two fronts, being the “building write off” – the cost of wear and tear on the property’s structure – and depreciation on fittings and fixtures such as wiring, lights, furniture and the like.

A quantity surveyor will come out to your investment property, do an assessment and prepare a report for you, which will provide a detailed report on those depreciation items that you can claim each year.

Of course, as with many property investment related expenses, the fee to engage a quantity surveyor is also tax deductible. So there’s no reason to not have this done and potentially save thousands on your annual tax bill!

FIND THE RIGHT HELP

Ultimately, if you establish yourself as a professional property investor, the best way to optimise your portfolio is to ensure you surround yourself with the good consultants and maintain strong, working relationships with them.

Your rapport should be based on trust, and you must feel comfortable enough to ask any questions upfront when contemplating the establishment or alteration of any type of investment or debt structure.

After all, a dollar saved is a dollar earned!

Like to read some other articles related to this topic? Have a look at the following links:

http://awesomelendingsolutions-com.hs-sites.com/blog/what-are-the-benefits-of-buying-an-investment-property

http://awesomelendingsolutions-com.hs-sites.com/blog/how-to-decode-a-property-advertisement

http://awesomelendingsolutions-com.hs-sites.com/blog/how-can-i-develop-a-property-investment-strategy

9 Wealth Creation Tips I have learnt from my clients in the last 10 years - by Albert Waldron

Recently it was pointed out to me that two things in life change you. The books we read and the people we meet. 

As many of you will know, I am an avid reader and have recommended many excellent books on wealth creation. When reflecting on this statement I started to think about the people I have met over the last ten years, and some interesting things came to mind.

It’s never too late to start.

I was recalling the number of fantastic people I had the pleasure of meeting that are in their late fifties and even their sixties who come to see us about creating wealth and developing a property acquisition plan.

Now these are often people who have a comfortable level of savings and income and could move into retirement comfortably.

Many get excited about the idea of increasing their wealth and it’s amazing what that mindset can achieve. Proving that new goals can be reached no matter what the age.

Too much bad debt equals tomorrow's slavery

I have met many lovely people who have increased their debt level as their income grew and now realise that they want help in achieving a more secure future. 

The feeling of being swallowed by debt will happen to all except for those people lucky enough to win the lottery or receive a huge inheritance for the majority of us life happens in increments.  It is easy not to realise that your expenses are creeping up and keeping pace with your income.

It is easy to seek immediate gratification and forget to delay the purchase of something that we want. 

Unfortunately, this leads many to fall into the trap of increasing bad debt. The fact is that bad debt robs people of their opportunity to use tomorrow’s earnings to invest.

Limiting your bad debt obligations will mean you have more control over your personal finances and give you the freedom to start investing.

It's easy to get caught up in the ‘Big Boys Toys’ game

Everyone has the ‘toys’ in their life that help them feel fulfilled.

The feeling that the more ‘toys’ I have, the more successful I am is among all of us, but they can be an enemy to money management.

It’s easy to look at how ‘the other half live’ in glossy magazines and on television and think this is something to aspire too. Many of us think life is all about working so that you can be one of the ‘have mores’ of the world is a good indication of just how alluring it can be.

The truth is possessions don’t make for 'a rich life', it’s the experiences and people – the things that money can’t buy – that make you truly wealthy.

Everyone is responsible for their own destiny

I have seen many people try to help set their children up for the future. The fact is; people who seem to be more successful in building wealth are those who accept responsibility for their own destiny.  These are the people who own their decisions; there are no rich victims. 

On the flip side, I have tried to help many people who always seemed to have someone or something to blame. People who feel they’ve been unjustly dealt a ‘bad hand’ and these people rarely seem to be able to create wealth.

For those courageous enough to cast a critical eye over their life, recognising where they are is a direct result of their own choices. This allows them to take ownership of their decisions to build confidence, self-esteem and self-respect.

People who have done this seem to have an inner strength in knowing they have become the master of their own destiny, rather than handing their power and control over to someone else.

Patience and Preparation bring success

The people I have met who have the ability to be patient also have the capacity to understand the difference between wants and needs.

They are able to recognise that all the money you spend on those material items you just ‘had to have’ today, is less that you’ll have to fund your retirement with tomorrow.

I have learnt from these people that if you work hard and invest even harder, your purchasing power will increase over time!

Luck is made through hard work.

Some people over the course of my life like to attribute the success of others all to ‘good fortune’. Perhaps they were in ‘the right place at the right time’, or knew ‘the right person’.

While a handful of people have lucked out by winning the lottery, truly successful people do the hard yards to reach the pinnacle of their chosen field or endeavour.

If you can find something that you’re passionate about, and make a living doing it. You will be far more likely to achieve great things because you’ll work harder to reach your goals and every day won’t be a struggle.

You don’t need millions to achieve financial freedom.

I have met a couple of people who claim to be millionaires but who in reality are up to their eyeballs in debt with their property portfolios not protected. 

Many of society’s wealthy power players are asset rich, but cash flow poor.

Some are obligated to their creditors indefinitely.

Whereas other people I have met who earn $50,000 a year, are without debt and have a decent amount of assets and are financially free.

One of the skills that a lot of my clients have mastered is that financial freedom is not dependent on money itself.

It is more about your relationship to it and the level of personal responsibility and fiscal discipline you’re prepared to exercise throughout life.

Spend less than you earn… and invest the rest

I remember this couple I was totally impressed by their ability to move financially forward and never could understand how they did it till I got to know them. 

They followed one golden rule above all else, and they quickly established themselves to a path of financial freedom.

If you seek to invest at least 10 percent of your earnings, the rest will take care if itself.

Your opportunities won’t last forever so use them wisely

A good example of someone that I met that created and grab opportunities wisely was a child of one my clients.

They were determined to purchase their first property by the age of 21 and was working three jobs to save the deposit. Nine years later five properties. 

Sometimes opportunities come when you are not ready but you need to grab them as they help create openings to shape your future.

Start saving and investing early in life and you’re likely to secure your financial future.

WHAT I UNDERSTAND BECAUSE OF MY CLIENTS

Financially secure people do certain things every single day that sets them apart from everyone else in life.

These people have good daily success habits that they learned throughout their lives. 

These daily habits are the real reason for the differences in people's path to financial freedom.

Unless we learn daily success habits, we will never find a future full of opportunities and wealth security.

So it might pay (literally) to give them a bit of your time.

Want to hear more about wealth creation and being credit ready then come along to our next event being held on the 7th July at 6.00pm.