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Are you ready to step up and really take control of your finances in 2022? We’re here to help!
At Step Up Financial, we want all of our clients to achieve their financial goals and do whatever we can to make that happen. Here are our top five goals to achieve financial success in 2022.
You can thank us later.
Any financial goal is only achievable if you create a realistic and manageable budget… and stick to it.
But before you can create a successful budget you need to first take a deep dive into your money habits.
Comparing what you think you spend to what you actually spend is a great way to see where your financial strengths are, where you can afford to cut back and what a manageable budget will look like.
It is only when your spending is under control and you’re saving what you can that you can step up to your next financial goal.
At Step Up, we’ve developed a FREE downloadable worksheet to make budgeting easy.
If you’re one of the millions of Australians who finds themselves with non-mortgage debt, then successful debt management should be high on your list of financial goals.
Under Australia’s Comprehensive Credit Reporting Scheme, it’s really important to have a good track record of repaying your debt, because a bad credit rating can affect your chances of borrowing in the future.
While there are many strategies for reducing debt, one of the most successful is debt consolidation. By merging your debts into a single, low-interest personal loan, you can not only reduce your repayment amounts but keep a better eye on your debt balance.
If you’re finding your debt a bit more difficult to manage, specialist help might be required. At Step Up Financial, our team of financial experts is here to help. We look at the bigger, long-term picture and can help you set a realistic budget, put mechanisms in place so you don’t fall back into the debt trap and coach you every step of the way.
So many Australians miss out on financial opportunities by ignoring their superannuation. Most just make minimum contributions and hope for the best.
Yet, superannuation can be one of the safest and best ways to make your money work for you. Making extra contributions (inside the mandated annual cap), choosing the best fund for your situation and regularly reviewing your super investment options can make a huge difference in the long term.
At Step Up, we have an experienced and knowledgeable team to help you navigate the complexities of superannuation regulations, investment options and fund providers.
You work for your money, so why not get your money working for you?
Smart investments can really boost your wealth and provide a valuable source of long-term income, but there is a myriad of options to choose from.
Property? Managed fund? Share portfolio?
Deciding which investment path to take can be a tough decision and will depend on your personal situation, long-term goals and risk assessment (because there is no such thing as a ‘sure thing’ when it comes to investments).
All investments go through cycles – upswings and downswings – and diversification mitigates risk by ensuring that when one of your investments is not performing so well, others will be. Then your overall returns will still be steady.
Our team of financial planners can help you navigate the world of investments so that you can relax, knowing your money is working for you.
We’re quick to insure our cars, houses and belongings, but many of us fail to insure the most important thing of all – ourselves!
The vast majority of Australians are either not insured at all, or are substantially underinsured – often paying premiums for personal insurance that won’t really offer protection when it’s needed.
The right kind of personal insurance protects you when the unexpected happens. It will ensure that you can pay your bills and that you can keep the roof over your head and your savings intact.
This is wealth protection – so you don’t erode your assets just trying to keep on top of expenses. The right personal insurance means peace of mind, leaving you free to focus solely on whatever life event you need to get through.
Trauma Insurance, Permanent and Total Disability, Income Protection and Life Insurance are the main four types of insurance to consider if you have large debts and dependants.
If you’re ready to start afresh in 2022 and upgrade your money mindset, why not get in touch with the team at Step Up Financial?
As fully qualified, experienced financial planners, we can provide you with expert financial services, including advice on:
And we encourage your pathway based on your own individual circumstances and values.