WHERE ARE YOU NOW?

Each stage of your life brings the potential for a dramatic change in your financial situation and if you aren’t prepared, these can become very stressful. They also have a habit of impacting significantly on relationships.

We can help you and your partner prepare for those times without the stress.  Or, if you are already feeling stressed about your financial situation, we can help you get back on your feet, in control and positive about your financial future.

Find out where you are now and take our checklist to see how you are doing with your particular situation. If you are feeling anxious and stressed about money and not sure of how to get out of the difficult financial situation you are in, contact us to get back in control and to a future where you will have financial freedom.

I AM/ WE ARE….

Nothing wrong with that at all. However, life has a habit of catching up with us and at some point you will need to review your situation and start moving out of the careless carefree stage get a little more serious (and still have fun) and make some plans for the future.

Before you take the next step here are some questions to ask yourself,

  • Where am I at right now? What do I own and what do I owe?
  • Where do I want to go? Do I want to buy a house or pay off that student loan?
  • Am I a spender or a saver? Is my money personality getting in the way of me getting ahead?
  • Do I have a system in place to help me manage your money?
  • Do I know how much is coming in and how much is going out?
  • Do you want to stay on the same career path, or head out on your own?

If you don’t have answers to all of these questions don’t worry, we can help.

You need to think about your future.

Time flies (have you noticed?) and while it is great fun to focus on the here-and-now, it’s not fun to wake up one morning wondering what happened to all the money you earned and why you’re not where you thought you would be.

What we can do for you.

Our Money Mentalist programmes will teach you how to set and then work towards reaching your financial goals.

We teach you how to understand your past, your beliefs and behaviours and how they impact on you moving forward.

We will teach you the practical skills to help you manage your money effectively. How to put a money plan in place that works for you without feeling as if you are ‘living on a budget’.

Your next step.

Pick up the phone and give us a call on +64 (0)9 236 0082 or drop us an email or click on this link to find a day and time that suits you to have a chat with us – it’s completely free!

You might be contemplating moving in together, buying a home and maybe even getting married and starting a family.

Before you take the next step here are some questions to ask yourself,

  • How much do I really know about my future spouse’s relationship with money?
  • Have you combined your finances yet, or are you not to sure how to go about sorting it out?
  • Am I a spender or a saver? What about your partner? How do you get your different money personalities to fit together harmoniously?
  • Have you had the ‘money conversation’ yet, or are you reluctant to bring it up?
  • Have you set some joint financial goals or are you just drifting along having fun (nothing wrong with that)?
  • Have you decided who pays the bills and manages your debt?
  • What about the future – buying a house, having children? Are you on the same page about major financial decisions?

If you don’t have answers to all of these questions don’t worry, we can help.

As a couple you need to talk about money.

70 -80% of relationships break up over money. Don’t be a statistic. Get the money conversation out of the way early in your relationship and then you can focus on enjoying your life together. The last thing you want is money management and finance issues coming between you.

If you don’t talk about money, the issues build up, a bit like a pressure cooker.  The contents build up pressure, then with a hiss and a roar, it all comes gushing out and it can ‘burn’ you.

What we can do for you.

Our Money Mentalist programmes will teach you how to work together as a team to reach your financial goals.

We teach you how to understand your past, your beliefs and behaviours that you both bring to the relationship. How men and women think differently about money, some of these differences come from our upbringing and some from stereotypes. We help you understand each other’s money personalities so opposites can get along.

We teach you the practical skills to help you manage your money effectively whether you choose to keep your finances separate or merged. How to put a money plan in place that works for you without feeling as if you are ‘living on a budget’.

Your next step.

Pick up the phone and give us a call on +64 (0)9 236 0082 or drop us an email with your contact details or click on this link to find a day and time that suits you to have a chat with us – it’s completely free!

Are you preparing to buy an investment property?

You’ve been thinking about this for a while.  It’s a good move and it works in well with your retirement plan and purchasing this property is an important step towards that, but on the other hand you are probably taking on a large amount of debt as well.

Before you take the next step here are some questions to ask yourself,

  • How much can I borrow using the equity in my existing home?
  • How much am I prepared to ‘top up’ the rental each month?
  • Can I really afford this?  The bank says I can, so it must be okay…
  • What happens if the property is empty for a long period, or interest rates jump up, how long can you cover the costs?
  • What do I need to do about tax?

If you don’t have answers to all of these questions don’t worry, we can help.

Welcome to the world of property investment.

House hunting for an investment property is different than buying your own home as the criteria will be different, however it still can still be exciting and frustrating. You find the perfect property and someone else beats you to it, or you can’t quite get the numbers to work.

Then it finally happens, you sign the documents and are given the keys to your new investment. You are now a property investor.

What we can do for you

Our coaching programmes help prepare you for purchasing your investment property. If you are uncertain, we can help you get certainty about your current spending behaviours and help you change those so you feel comfortable with the decision to go ahead with the investment property. We can look at your options from a non-emotive point of view and create various scenarios to help you make decisions about your future financial path.

We help you to reset your money beliefs and behaviours as you transition to being a property investor with additional responsibility for higher levels of borrowings.

We will work with you to teach you the practical skills to help you manage your money effectively based on your change in circumstances.

We will help you build a money plan that works for you without feeling as if you are ‘living on a budget’.

Your next step.

Pick up the phone and give us a call on +64 (0)9 236 0082 or drop us an email with your contact details or click on this link to find a day and time that suits you to have a chat with us – it’s completely free!

Your relationship is over. You may still be living in the same home but you know you have reached the end. Emotions are running high, there may be children to consider, not to mention the change in lifestyle that happens when one household splits into two.

Whether you are the leaver or the one left, before you take the next step here are some questions to ask yourself,

  • What are our assets worth and how much of them will I get?
  • I don’t have any income; how am I going to survive?
  • Where am I going to live once the house is sold? Will I have enough money to buy a new home?
  • My emotions are up and down, am I focusing on the right things?
  • My lifestyle and expenses are going to be very different, how do I put a budget together?
  • What do I need to untangle to separate my financial position from my ex?
  • How do I protect myself and my credit rating?

If you don’t have answers to all of these questions don’t worry, we can help.

There will be some questions that require legal advice. We aren’t lawyers but we can certainly point you in the direction of that kind of advice.

This is a highly emotional time.

As a newly separated person, not only is this a highly emotional time but it can also be confusing about what to do next, who you need to talk to and what you need to do.

We are here to help support and guide you through the process as much as possible.

What we can do for you.

Our coaching programmes help you recognise the emotional state you are in and how that impacts on your decision making.

Your next step.

Pick up the phone and give us a call on +64 (0)9 236 0082 or drop us an email or click on this link to find a day and time that suits you to have a chat with us – it’s completely free!

You have worked hard for many years and you are starting to think about retirement. Whether you want to retire at 65, or keep working is one of the many choices you can make.

Before you take the next step, ask yourself,

  • Do I know how much money I need to have to retire on?
  • Do I have retirement savings? How long will they last?
  • Will I need to generate some income in my retirement?
  • Should I keep my house, or move to free up some capital?
  • What will I do with my time?
  • How much money do I need to live on so I can do the things I want to?
  • Will I have debt when I retire or will I have paid it all off?

If you don’t have answers to all of these questions don’t worry, we can help.

Preparing for the next stage of your life.

As we are living longer, the real retirement stage of life is typically a lot later than it was a generation ago. Retirement is also a time to enjoy life, maybe do the things you didn’t have time to do when you were working and raising a family.

Maintaining your health and wellbeing is important. To do this you need to have certainty about your income and having enough capital so it doesn’t run out before you do.

What we can do for you.

Our coaching programmes help you prepare for retirement by working through the emotional states you will move through and how that will impact on your decision making. We can look at your situation from a non-emotive point of view and create various scenarios to help you make decisions about your future financial path.

We help you to reset your money beliefs and behaviours as you transition into retirement.

We will work with you to teach you the practical skills to help you manage your money effectively based on your change in circumstances.

Your next step.

Pick up the phone and give us a call on +64 (0)9 236 0082 or drop us an email with your contact details or click on this link to find a day and time that suits you to have a chat with us – it’s completely free!

Don’t worry, you aren’t alone. Life is busy. If you have family commitments, looking after everyone else’s needs means that getting around to planning for your own future quite often just doesn’t happen.

Life has a habit of catching up with us. So before any more time disappears, stop what you’e doing and start to think about your own situation.

Before you take the next step ask yourself,

  • Where am I at right now? What do I own, and what do I owe?
  • Do I need to start a retirement plan?
  • Am I a spender or a saver?  (what about your partner?).
  • Do I know how much is coming in and how much is going out?
  • Am I and my partner are on the same page when it comes to the household finances?

If you don’t have answers to all of these questions don’t worry, we can help.

You need to think about and plan for your future.

Time flies (have you noticed?) and while it is great fun to focus on the here-and-now, it’s not fun to wake up one morning wondering what happened to all the money you earned and why you’re not where you thought you would be.

What we can do for you.

Our Money Mentalist programmes will teach you how to set and work towards reaching your financial goals.

We teach you how to understand your past, your beliefs and behaviours and how they impact on you moving forward. In a relationship, it is important to understand how men and women think differently about money. Some of these differences come from our upbringing and some from stereotypes. We help you understand each other’s money personalities so opposites can get along

We will teach you the practical skills to help you manage your money effectively whether you choose to keep your finances separate or merged. How to put a money plan in place that works for you without feeling as if you are ‘living on a budget’.

Your next step.

Pick up the phone and give us a call on +64 (0)9 236 0082 or drop us an email or click on this link to find a day and time that suits you to have a chat with us – it’s completely free!