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December 2015

New Year Financial Resolutions

The New Year is a great time to overhaul your financial life for the better, and one excellent place to start is by making good resolutions that can help get you closer to your money goals. Here are a few you might consider adding to your own personal agenda: 1. Have a defined plan Have a clear, concise financial goal for the year. It isn’t good enough to say, “I want to have my credit card paid down and more money in the bank”. Instead, you should say something like, “I want to have the balance on my credit card …

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WA property market – lessons learnt from previous cycles

2015/2016 could resemble the market around the time of 2008. This is due to Perth’s slow population growth, weak consumer outlook and the flood of new properties The hallmarks of 2008 were low economic sentiment and high volumes of new property in WA. However Perth made it through 2008, and we have that experience to draw upon when looking to the future market conditions in 2015/2016 What can we learn from past property cycles? It is natural for the property market to evolve through cycles. This doesn’t make it any easier to adapt, but it does allow us to prepare …

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How to get through the silly season without blowing the budget

It’s beginning to look a lot like Christmas. All of your friends and neighbours have decked their halls with boughs of holly, hung their stockings with care and purchased and wrapped every last gift before placing it under their perfectly decorated Christmas tree. You, on the other hand, have done – well, nothing. You have yet to buy a single present, stocking stuffer or Christmas card. On top of that, you forgot to save up enough cash to cover Christmas gifts. Oops! Some may call you a procrastinator – you may argue that you’re just super-busy. Nonetheless, it’s time to …

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