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Strategic Financial Planning

For Love or Money - Is your Relationship safe?

Money is one of the main causes of relationship problems... or is it?

Some experts say that it’s really a lack of communication and the trust behind it.

Money has meaning beyond the numbers on a page or notes in your wallet. It is strongly linked to our sense of security and self worth. If you and your partner argue about money you’re not alone.

So how can we improve our ‘financial communication’?

1. Discuss your differences.

Do you spend big and hope for the best OR do you save security needs. In many relationships one person wants to spend the money they are earning to enjoy luxuries. However the other person may feel a constant need to save for a secure future.

2. Plan to Get Ahead.

Ask your partner about their own personal dreams and long term goals. Looking at the bigger picture helps you decide if you achieve long term wealth. Seek financial advice and develop a strategic financial plan.

3 Budgeting is not about Going Without.

In fact a realistic budget allows you to enjoy your own getting ahead. Ensure that your budget is realistic by estimating your expenses and then tracking your regular and incidental expenses for a few months.

4. One Pot or Two?

The decision about whether to opt for a traditional combined household fund is a big one and really depends on your personal circumstances. These days many couples keep their own accounts and contribute equally to household expenses.

5. Protect Your Assets.

Protecting individual assets can be very important for people who have been divorced or separated. It would be considered reasonable to discuss your concerns about combining assets and also an exit strategy if things don't work out.

6. Should You Have A Financial Controller.

Some relationships work really well with both people actively involved in the finances. However the picture we often see is that the person who has strengths in this area becomes responsible for household finances.

Read the full article on Strategic Financial Planning - For Love or Money on the importance of proper risk management for your home and investment loans & mortgages.

Strategic Financial Planning

Personal Finance Management - An overview of personal finance issues and how to manage them.

Pproperty Finance: BRIC and Mortar to Boom

Personal Financial Advice: A Mortgage and a Baby

Buying Investment Property: Born Free -Taxed to Death

Financial Analyst: Life Balance not Bank Balance

Investment loans & Articles - Managing your home mortgage and your investments require quite different approaches.

Investment loans & Articles - Managing your home mortgage and your investments require quite different approaches.

Investment Adice: City versus Suburbs

Home Loans Perth: parents helping Kids

ATO payg withholding tax variation for use to reduce the amount of tax your employer deducts from your wages or salary when you own an investment property.

Buying Property Checklist  A very comprehensive checklist to use when buying a property.

Lifestyle Finance Assesment Form to see just how you are tracking and to start your financial strategy.

Equity Finance - Debt versus Equity

Investment Strategy: High fliers or Budget Savvy Investors

Wealth Management - building wealth

Development Finance for property development

An extensive library of Checklists, Forms and Guides can be found in our archive library.

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