The chickens have flown the coop. You are at a point in your life where you have more room around you than you can handle. The nest is feeling a lot larger than you once remember.
Uhuh, that is right - you are ready to downsize.
Kids, they are like having a little broke best friend who thinks you’re rich. They are always getting you to pay for everything, never paying you back, constantly trashing the house and when you say no, they just look at you with either sad puppy eyes or with the hatred and burning intensity of a thousand suns. Either way, you’ll probably cave. You give them life, constant love, pay for all their stuff and just hope they don’t roll you into a nursing home at the first possible chance. No matter what happens though, we always want the best for our kids and hope they succeed in life.
A tried and tested way to help them succeed is to make sure they get a good education.
Ahhh your wedding day. The biggest day of your life. Let us paint the picture, shall we?
You and your partner are standing face to face, gazing into each other’s glistening eyes, hands entwined with your diamond and gold wedding rings catching the summer sunlight.
“I now pronounce you husband and wife”.
You kiss for the first time as a married couple, the orchestra starts playing, a thousand and one white doves are released behind the altar. You turn to face the hundreds upon hundreds of guests. You begin down the red carpet as your adoring guests throw dozens of roses at your feet. Your glamorous Rolls Royce awaits to take you to the fairy tale castle for the reception.
“Wait, Rolls Royce? fairy tale castle?” Yup, that’s right, you’re dreaming!
Today is the day. It has finally come. You are ready to spread your wings and fly the nest. Firstly – congrats!
You’ll prove to yourself, your parents and your annoying siblings that yes, you can make it on your own and no, you don’t need anyone to do your laundry. It’s time to take #adultlife on the chin and to move out.
So, you’re thinking of dipping your toes in the property ocean? Great! Are you excited? We bet you are.
Buying property is likely the biggest financial decision many of us will ever make. It’s exciting and daunting. It could be the first step to some long-term financial security or a stumble, into a mire of debt that’s extremely hard to pull yourself out of.
Millennials, we’re awesome, we’re humble and modest (the most modest generation ever – duhhhh!) we’ve been born at the crossroads of the information technology revolution. We are socially responsible, critical, strive for work life harmony and we know what we want. All that is standing in our way of all worldly possessions is smashed avo toast!
We can see it now... Sipping espresso and dodging scooters in Italy; soaking in the turquoise blue Mediterranean, eating olives and hummus in Greece; haggling with the street vendors while sweating bullets in 100% humidity (most of Southeast Asia). Living life out of a backpack, catching trains and jumping buses, meeting & greeting while it’s all so fleeting - It’s a gap year, baby!
“Is mixing finances with love a smart idea? Am I asking for trouble?”
Alright, so you and your other half are taking that big step. You have made the decision to combine your finances. Striking a harmonious balance between practicality and the nitty gritty of money can easily give anyone the sweats.
The list starts from personal spending, the essentials, bills, living expenses, debt repayments and saving towards your goals. Depending on your situation, the list can keep going! Money management is already so very multi-faceted, this goes up several pegs when we consider finance within a relationship. Suddenly, it isn’t just about you and your goals.
Medical and health-care professionals – we are your best friend.
You are brilliant at what you do, but when it comes to the financial nitty gritty, your head goes into a spin. We are more than understanding on how demanding your job is on your schedule. This is exactly why leaving your finances to the experts is a must.
We hear it all the time. Stereotypes about the financial planning world come by the 100s…no 1000s! More often than not, people don’t realise that a financial planner can be a useful asset to any and every stage of their life.
“Oh! But working with an adviser is just about spending less than what I am earning.’.