Here’s the thing about budgeting. It’s actually not that hard. Here’s the other thing about budgeting – you absolutely need to do it if you want to Get Lean in 2019 (or any other year for that matter). Let’s talk about why budgeting is important. What freaks people out about budgeting, isn’t the tedious […]
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Ah, debt. That nasty four-letter word. No one really enjoys debt regardless if it’s good debt or bad, and as we have pointed out in the past, it causes a lot of stress on families. A friend once quipped that DLS is in the debt business. But Pete and I are actually committed to helping […]
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Last weeks email struck a chord with a few of our clients. Hard facts do tend to spark thought and reflection in people, and that certainly was the desired effect. If we are to set about truly helping our clients to manage their money better, become debt free and ultimately improve their wealth – then […]
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The New Year is, and always will be, that time of year when people make choices to correct the mistakes made from the year before, vowing to be better, and setting goals to achieve their success. It’s little wonder then that gym memberships and attendance go up in January and even less wonder that the […]
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I have worked in the finance industry for 15 years, and I don’t have to tell you, things did get a little hectic in that time, and they are getting a little hectic now – at least that is the perception that mainstream media portray. Debt is still a thing. The costs of debt are […]
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Most of us have a five-year financial plan, or even a ten-year plan, of where would like to be financially. Sometimes we don’t physically name it a ‘financial plan’, but thats what it is. And sometimes, that include borrowing or lending. That plan is typically based on the needs and goals of your family and […]
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We all have an appetite for financial risk. Some of us take a reserved, conservative approach to monetary decisions, while others have a more adventurous inclination for higher risk, hoping for different outcomes. Neither is right or wrong. Both have their pro’s and cons; it is very much governed by your comfort level individually. “What […]
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Most people will need to update, repair or renovate their home in the time they own it. There is, however, a certain view the bank has on how these renovations are conducted, and ultimately; funded. We commonly see clients getting ‘stuck’ with funding required to finish a project. Get DLS’s home renovation tips and look […]
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Last week we touched on debt stress and the various effects it can have on the household, namely how to use the equity in your home to consolidate, aiming to become free of debt (bad debt) and relieve said stress. Maybe you’re thinking – ‘that’s a great idea, but we don’t have any equity yet’. “Luckily, […]
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Consumer debt is climbing and causing potential distress on household budgets. Mortgage stress was flagged as a major concern for nearly a 3rd of Australian households for December 2017. Pick up any publication in any given week, and you will find numerous articles and opinions on how Australian families are doing it tough with their […]
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