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…’  

  DO YOUR BUDGET YOURSELF  ON-LINE...   In the privacy of your own home...!

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 educations 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 chagres / 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-bys 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?
	If you answered YES to more than three (3) items above…. You need to speak to a Budget Consultant.
	‘Always aim to clear your outstanding debts…’

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