Are You On Track?

• Do you know when all your monthly and annual expenses are due?
• Have you put money aside for your non-monthly expenses?
• Have you set up the right accounts for your expenses and potential savings?

'No Budget    +    No Plan    x    No Tracking   =    No Financial Freedom...'

What are the goals you would like to achieve?

• Buy a new home or car?
• Plan regular week-ends away?
• Pay off your home or car faster?
• Buy your first investment property?
• Pay off your credit cards?
• Start up your own small business?
• Plan for retirement?
• Update your current household furniture?
• Start up an education fund for your child / kids?
• Undertake more studies / a course or degree?
• Reduce your current overall debt?

'Small steps lead you to your Financial Freedom...'

Check your current financial position:

• Do you pre-spend part or all of your next pay earnings?
• Are you paying the minimum payment off your credit cards?
• Do you have more than one personal loan?
• Have you refinanced your home loan more than once in the past two years?
• Are you getting bank default charges / fees?
• Do you have more than two credit cards or store cards?
• Are you always behind in your monthly payments?
• Do you have more than three outstanding bills / expenses / lay-buys to pay?
• Do you have more than $2,000 on your credit card? If so, can you pay it off within six months?
• Do you owe family or friends any money?

'Always aim to clear your outstanding debts...'