slider_Budget小窍门

预算提示

尖 1 - 承接你的财务状况的季度检讨

在每季度末审查您的抵押贷款利率, 您当前的储蓄计划, 多少超级您目前有, 多少你每天花, 确保你的意志是最新的, 有没有资金来给你当地的慈善, 和理解,如果你有足够的保险.


尖 2 - 你知道多少你真的花费

买一个黑色的小本子,或者如果你是精通电脑记录您使用Excel每天花了多少. 所有你需要做的就是索要收据上每购买,并在一天结束的时候把它写下来. 这样做对 90 天,那么你可能会找出你可以保存和生活的实际成本.


尖 3 - 打几个电话,以确保您得到最好的交易

在很多的你的消费地区则只需花费几元钱,有的时候得到一些伟大的交易. 试试我们的保险报价与您现有的供应商进行比较, 电力公司现在提供一些巨大折扣, 电话运营商有不同的套餐,为您提供什么适合你的通讯和娱乐的需求. 这份名单是无止境的,如果你能救 $50 - $100 每月, 你可以把对你的储蓄计划.


尖 4 - 定期检查你的抵押贷款

通过使用我们您不支付获得市场上最好的抵押贷款交易再加上我们回顾你的抵押贷款每 6-12 个月保持当前的利率变动步伐. 中大约节约 $1500 如果能够实现,你可以得到 0.50% 关闭的平均抵押贷款 $300,000. We will even tell you if you have the best deal giving you peace of mind.


尖 5 – Peace of Mind Insurance

You never know when you get sick or something else unforeseen happens. Do you have a Plan “B” in the event you can’t work as the bills will never stop? Taking out adequate insurance is essential, but also did you know that they are also tax deductions. Talk to your accountant and financial planner to get both good cover and tax advice.


尖 6 – Get up to date with your current superannuation balance

The years fly and before you know it you start thinking about retirement. You also need to continue to live the lifestyle you are accustomed to. Review your superannuation balance each quarter and give your financial planner or accountant a call to discuss how best you can maximise your return. Additional superannuation contributions will help you reduce tax, thereby giving you a nice refund cheque at the end of each financial year.


尖 7 – As a business owner – forecast out for a minimum 6 个月

If your a business owner budgeting is vital in ensuring you maximise your business’s profitability. Many business’s are seasonal, so you need to maximise income during the good months and focus on cost management during the low times. You won’t know what to spend and the business income you need unless you have a budget. Ensure there is also a Plan A and Plan B budget, 尽量逼真的不乐观或过于悲观. 我们的业务咨询手臂可以帮助您与此.