It’s all about your Financial Security

March 24, 2017

It’s all about your Financial Security

Are you reducing your mortgage fast?
Will you be better off in five or ten years from now?
Are you financially on track to achieve your goals?
How to use your money to create Financial Security!

Money is the most talked about topic in the world. It has started wars, ended marriages and created more stress in people’s lives than anything else in the world.

While we all know money can’t buy happiness, it tends to buy a lot of the things we perceive creates it. Money certainly creates peace of mind! While we can list many things more important than money, like health and family, few of us can live without it.

Having enough money is the easiest way to have an easy and stress-free life, but how much money is enough? I often see people just scraping by on a single income of $45,000 and see another family just scraping by on $125,000. We all tend to live to the edge of our income.

At Think Money we help you learn the secrets of managing money to work towards creating financial security for you. Starting with a good Cash Management System is the first step to getting control of your money. Getting your personal finances under control and cleaning up any credit card and consumer debt is next. Then we look at the big picture of investing.

The more organised you are with your money the more you will have. You need to set up your finance platform so that you can save, invest and prosper without reducing your lifestyle.

Look forward to seeing you soon.
Chris Childs

The 7 Things (About Money) I wish I’d learned at school…

That would have made me a millionaire by the age of 25!

  1. Where to go for advice
    Most people go to a bank for advice on the right bank accounts and loans to have. A bit of a laugh really when you consider their profit margins. It’s like asking the mouse where to put the cheese! I wish I had been taught to ask someone who has money the best way of handling it.
  2. Credit cards are like fast cars
    A fast car driven recklessly is dangerous, but treated correctly it isn’t. Credit cards are the same. Most of us just use them to help the banks, but you can turn the tables and use the banks money for free and use your money to reduce your interest. This secret could have saved me thousands!
  3. More organised = more money!!
    It is a fact that if you get organised with your money, you have more of it. Bills get paid on time, you don’t waste precious money on fines, fees and overdue payments, and you make your money work for you instead of against you. A cash management program accelerates your debt reduction and wealth creation.
  4. You can make compound interest work for you or against you
    Saving to buy something instead of borrowing can halve the price you pay for most items. This sounds boring to us in this ‘have it now’ world, however, compound interest working for you instead of for the loan company saves you thousands. I wish someone had told me that ‘interest free’ isn’t free at all. The interest has been tacked onto the price – ask for the ‘cash’ price and see.
  5. Debt consolidation can be your best friend or your worst enemy
    Consolidating credit card and consumer debt onto your home loan can reduce your repayments each month and lower the amount of interest you pay. I wish I had been told to use this extra money to then reduce the home loan much faster, and not fall into the same trap again and again – burning up precious equity that could have been used for investing.
  6. The power of separating your life from investments
    There are 1.7 million people in Australia who invest in property, less than 2 per cent get to five properties or more. Why? They don’t keep their personal and investment money separate. I wish I had learned the key to successful investing and stress-free living was to keep these sides quite separate from each other.
  7. Don’t assume a home loan is a long term debt
    I wish I had been taught that a home loan doesn’t have to be a stone around my neck for 25 years, or best case, if I paid weekly or fortnightly, 17 years. What most people don’t know is that handled correctly, a mortgage should be paid off in five to seven years just by doing your banking differently.

Change your life in 35 minutes!


Yes, I know it sounds impossible, but that is exactly what our clients tell us we can do. We look at things differently than you do and we can do that in one meeting.

When you look at your finances you may get overwhelmed or fearful of what appears to be never ending debt and no way out of it. We, however, look for the opportunity to use your money differently and take away the financial pressure you feel and maintain, or even improve your lifestyle.


We specialise in teaching people just like you to do your banking differently, managing your money to reduce debt not your lifestyle and help you take back control of your life.

Have you been paying your mortgage off for years and seem to be getting nowhere fast?

Once you have the knowledge of how to beat the banks at their own game you will be surprised to watch the years fall off your mortgage.


How would you feel if you were able to reduce your mortgage by $20,000 and purchase two investment properties within 6 months? Or have four investment properties in just 10 months?

Well, we have clients who have done just that and are well on their way to creating the lifestyle they want in their retirement. Just by changing the way they look at
their money.

It doesn’t have to be hard – treat your money right in the first place, learn the benefits of how loans should work and set up the correct financial platform for both fast debt reduction and smart wealth creation.

If you feel like you have lost control of your financial direction, are just treading water, or worse even, you are fearful of what your life looks like in retirement, then maybe it’s time to change what you’re doing.

If you are serious about reducing debt, creating wealth and setting up your future for retirement, call us today. We guarantee it will change your life for the better.


We have helped hundreds of clients just like these so book your FREE Wealth Coaching session to find out how we can help you too! CALL 5430 4777

The 4 Rules of creating wealth through property
Rule #1

The most important part of successfully investing in property is the organisation of your money. By getting control of your income and personal mortgage, getting debt reduction and money control happening, you can confidently launch into property investment. We teach our clients to separate their personal side from the investment side and build a property investment portfolio.

Many investors fail from the financial pressure when the rental property expenses and income flow in and out of their personal accounts. By managing their investments and not having the holding costs affect their personal income, our clients increase their wealth, without decreasing their lifestyle.

Rule #2

There is quite a difference to wealth creation by buying new properties instead of old. Over the years, the drain on cash flow from constant maintenance and repairs of old properties can really hold back your ability to buy more investment properties.

However by buying new property, the benefits are not only increased cash flow but also being able to attract better tenants. And importantly, the bonus of receiving tax deductions from depreciation. With all of these financial benefits, you are able to go from negatively geared to positively geared much faster, thus enabling you the freedom to grow more quickly.

Rule #3

Interest only loans always spark debate in both the home owner and property investment circles. We use interest only loans but pay extra, assisting in massive debt reduction against your home mortgage. Most clients reduce their debts in record amounts –more than $30-$40,000 in the first year.

On the investment side there are big benefits. Interest is tax deductible, principal payments aren’t.

It’s easier to manage the investment holding costs if you minimize the cost of payments during the ‘negatively geared’ period. As the property goes up in value, so does the rental income.

The property should go from negatively geared to positively geared and then the extra rent reduces the investment debt. So it is all about the timing, and maximizing the tax. deductions.

Rule #4

Over the past 100 years, Australian property has grown in value on average 10% pa. It’s not 10% every year, it works in cycles, usually 2 or 3 years of really good growth, 5 or 6 of flat and a couple of years of negative growth or retraction; meaning that a property can have flat or even negative growth over an 8 year period. The property growth cycle is often debated, but history shows this as fact. Though no one has a crystal ball for the future.

There are many benefits of keeping property – you incur buying costs only once, and pay no commissions on selling or capital gains tax. But by selling, taking profit and buying again you maximise the costs and minimise the profits. These costs can equate to $50 or $60,000 even before capital gains tax. By not selling, this money can be utilized as equity to purchase more property, and your existing property continues to grow as well as the new one.

Life’s better for this Think Money family

We had been interested in looking into our finances and getting ahead as well as being self funded for quite a while.

We looked at a lot of programs but none of them felt right.

We were at the stage of our lives where we wanted a strategy on how to accumulate a retirement income and after the initial meeting with Chris we knew it sounded like what we were looking for.

It felt like we had found a light at the end of the tunnel. It was nice to have a concrete, structured strategy for accumulating properties. They didn’t say it would happen overnight so it made me feel comfortable that it was not a get-rich-quick scheme and it aligned well with our comfort levels.

We are still at the early stages, but in terms of budgeting it’s been a real eye opener. Refining and seeing where our money is going has helped us tremendously. We are planning on retirement in 10 to 15 years now rather than 20. It just means we have options and don’t feel tied to a particular job forever. Joining Think Money has created a sense of calm and direction for us. They have helped us with the “How To”. They spend the time to educate you and help you to understand. We have been involved in the whole process and have felt in control the whole way.

We have already bought one property through our super fund and are about to buy another. I didn’t think accumulating two investment properties within such a short space of time would be possible. I have found the whole experience with Think Money fantastic.

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