Pricing

OK you’ve come this far so an explanation is expected. Think of it as a smart computerised programme that when fed the right information YOUR information it will put into place a plan of attack to get you to where you want to be financially in far quicker time than you’ve been able to imagine. When we travelled through Europe in the mid 2000’s I was heel bent on getting a Navman (not sure if they still exist) and in 7 weeks of travelling it failed me once, a cold rainy evening and it stopped telling me where I needed to go, boy did I feel nervous, a wife and 5 month old baby boy was riding on me getting us to the hotel. Oh one other time in the middle of Ireland it said we were driving through a massive open filed, clearly it was wrong we were on the Ring of Kerry, if you ever get to Europe give it a burl 100KMH on winding and twisting roads!!

Anyway, a Spending Plan is YOUR very own personalised road map for all your finances, it allows you to set your own journey; know where you will be at any time in the next 10 years, show me a programme that can do that and Ill use it, oh there is one but that’s for a later time. It is flexible to allow for change no matter what downturn in economy, global pandemic whatever. And in 10 quick clicks of my mouse and its solved. It is individualized to your unique situation and will take the guess work and equally important, the stress out of managing your finances. They are created using a proven, extremely powerful money management system developed right here in Australia.

In most cases we set out on a goal in life to be financially independent as soon as possible but along the way there are road bumps put in our way for one reason or another, it happened to me a simple house fire and then to find the insurance had been cancelled by the company because of a bank error. This cost us over $25K just in repairs and worse was the time it took.

Then we had a car accident which we weren’t at fault and being self-employed made it difficult I ended up with a shoulder operation and off work for over 6 months.

Two innocuous events that put a damper in our plans, they happen and happen so often with regularity its definitely not funny, but could lead to financial disaster so no matter how well we plan there are always life events that get in the way.

Having had nearly 4 decades working in finance and accounting and tax and more recently 12 years as a mortgage broker, you would be amazed at the reason’s banks decline mum and dad from borrowing.

I work in three stages

1. to prepare those who need it and this number is growing to organise themselves for the loan itself, no longer can you simply hand over your pay slip and shell be right. 2^nd once I transformed your finances so that a bank will look at you favourably have found you that mortgage its
2. once you are ready to hand over the copious amounts of documents to organise your loan its time to select which suits you best, that’s where my decades of lending experience come to the fore
3. well now you have a loan, just imagine if you only had it for 10 years and it was all paid off, what would 20 more years of payments saved look like well on an average loan of $500,000 at 3% payments are $2108.02 and 20 years of that is a staggering $505,924.80

Now these numbers mean a lot to me and it all starts with the right Spending Plan and the right person to guide through this maze and access to the right tools to be debt free in a third of the time your neighbour or best friend does with their mortgage.

Changes in life always happen as I alluded to earlier, we have had 2 life changing accidents both not our fault, so yes things may change. The beauty of a Spending Plan is that’s its adaptable and extremely easy to change. I have called it the 10 click process. Pretty much any change in circumstances can be fixed with simply 10 clicks of my mouse.

Nothing is fixed it’s always a moving target something that budgets and excel can’t cope with, I know because I can show you my spreadsheet, its is 10 years old and did it work nope! It may look fancy but financially did absolutely nothing for my finances, I wouldn’t even dream of taking it to a bank, yet out of YOUR personalised Spending Plan it can be around half a dozen pages and you have everything a bank would need, anywhere from 1 day to as far as 10 years ahead.

I have heard this a lot and remember as far back as my first job sorry can’t remember what I got paid but I think it was good for the times. I started my first budget exercise and set up accounts and put in each pay the equivalent amount for each bill mind you there weren’t many back then and the rest I spent, I had no plan at all. Now my thoughts since starting this business was that it would have been the same if my income was double or even triple what it was the bills would have been the same, just my spending would have increased.

You may often hear that most of us pretty much spend to our limits and more, even when we get a pay rise our spending increases to match, never thinking too far ahead. YOUR personalised Spending Plan ensures this never happens, no matter what your income.

Just look at the string of professional football since the virus started, they are all trying to minimise THEIR loss of income, now I would have thought someone earning between $500,000 and A Million should be sitting pretty but my guess is most aren’t. And then there are the players on their basic wage of $100,000 or so, how do you think they are coping. The virus didn’t cause it BUT just highlighted it.

The sad thing is you are absolutely 100% right, there are plenty of budgeting apps available. The problem is they are pretty much all bank controlled and focused on what the bank wants, customers who think these apps are for them and fail to realise they are just pretend and gimmicky tools, as the saying goes bad data in bad data out.

There are others which you may pay up to $100 for but do they do anything to tell you that pesky car registration bill due in 6 months’ time will actually be covered by your bank account balance as it is today, chances are NO, think back how many times this happens and not just car rego, think about rates; power bills that become bigger than Ben Hur I could go on the list is pretty much endless.

Oh and by the way tell me if there are any that actually tell you more than what you HAVE spent, I work with a company that gives me this stuff in the blink of an eye for my mortgage customers yet, it can’t tell me if they can pay their bills on time next month; a year later or in fact 10 years from now, MY programme will so long as you follow YOUR very own personalised Spending Plan and amend when necessary.

You know what you are the perfect client! You haven’t been bombarded by bank hype after all they all went through a Banking Royal Commission (remember these names AMP; CBA; Westpac NAB; ANZ and what they allegedly did. Yet they ALL came out smelling rosy. How does that happen because I bet my bottom dollar if any of us did similar things we’d be sitting in jail now, and I know of a very good example of just this very thing a lady spent 8 months in jail for something no worse that the bank executives seemed to have done. Our system doesn’t work I’m afraid which is why I am on a mission to get everyday mum and das and their children out of the mess.

With being so young you should be able to in most cases start your financial journey on the right path to being financially free within a decade, 20 years earlier than your parents and maybe even able to sit on the beach whilst most of us are at work!

You would be surprised how many fit this criterion and often what they do is sit and think, just like I’m doing right this very moment, MY difference is MY plan.

You are never too old to get a spending plan and to change your financial direction. No matter how old you may be or young for that matter, when I first started working our Christmas dinner was cruising Sydney Harbour and the captain was telling us some history on properties and their prices, I’d hate to know what they are now. But when I was growing up my father told me similar stories and I’m telling my son the same stories. Its all to do with relevance.

Whatever stage of life you are at, a spending plan will be of benefit. As part of creating your spending plan we look at your debt levels and fortunately if you come to see me, that’s what I’ve been doing for over a decade and with minimal time can show you how to save more money by just changing banks if need be.

The crazy thing is once set up which I use additional software to help both of US and get your Spending Plan up and running in very quick time so long as I have everything I have asked for and often there is madness in my methods but for good reason.

It can be as long as you need but it’s all in the numbers we check in on you weekly for the first month after initial set up and then monthly by whatever methods you prefer, sadly not all can be face to face for one reason or another

The time taken is very minimal from your point of view and the time will depend on the complexity of YOUR own needs and wants.

The strangest thing is one of my very first clients was a business owner, he had some years ago got himself into bankruptcy and then wanted to buy a house. His saving grace was his father who was alive back then was able to purchase their family home in his name until my client was able to borrow in his own name, not many of us have this luxury.

He would sit with me and go over his numbers and really didn’t have any plan at all for anything, he thought by working long hours and doing a good job as a landscaper he’d be OK, sad thing is not fixing up his accounts etc just made his payments higher I estimated had he been set up correctly and had his Spending Plan I could have saved him in excess of $150,000 just in interest, mind you his borrowing was in the 1-2 Million, again all relative.

Certainly, spending plans can be developed to cover both personal as well as business finances.

No problems, unless of course you don’t have the internet, the programme is web based but we don’t get access to your bank accounts or anything like that, oh and a phone with reception is required, I could pretty much help anyone anywhere in the world. So no matter where you live I can help YOU.