 Alright, so you have been at your job for five - six odd years. Every day is the same, but hey you have gotten so accustomed to the routine. Everything is going swimmingly…. then suddenly you get THE news. Yep, you have just been made redundant.
Firstly, we want to encourage you to breathe. We get how stressful this period can be. Saying goodbye to the familiar is one most of us don’t want to be forced to do. But this is why you have landed here for a reason. Your pals at Visia are here to talk you through it.
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 “Live with no excuses, and travel with no regrets” – Oscar Wilde
There are a few things in life more rewarding, enlightening and life affirming than the joy of travel. And yet, for a large portion of millennials, feelings of guilt and shame are preventing an entire generation from taking the plunge, screaming ‘yolo’ and trotting the globe.  Hello Parents! We feel you. It’s been a rollercoaster over the last few years. You’ve slowed down with your career, had kids and one of you has been the primary stay at home parent. We get it, it’s not always easy for couples who have children to adjust from two fulltime incomes to one.
Now, after several years, the time has arrived. Your children have started school and now the stay at home parent is ready to re-enter the workforce. This presents an opportunity to significantly boost your household income. You have grown so used to relying on one income, jumping back to two can be an adjustment in itself. The question is – what to do with this newfound cash?  It’s the most wonderful time of the year….. and most expensive! You guessed it, it’s Christmas. The silly season can be costly and extremely stressful, if you’re worried about money.
Don’t break a sweat, lucky for you, we have your back! Before you march on your merry way and start practicing your Christmas Carols, we wanted to share some financial tips to stuff in your stocking.  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.’. |
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