With the new financial year upon us already now is the perfect time to sit down and re-evaluate your budget and reign in the wasted spending’s and start kicking some financial goals.
No matter what your goal is, it is always easier to achieve it if you can see it in black and white, we all have a lot of ‘wasted spending’s’ that we don’t even realize until we look through our finances properly. If buying a new home is high on your list of priorities we always recommend that working out your budget, visiting your lender and setting some serious financial goals are always the first point of call because you might actually be closer to building that dream sooner than you may have first thought. Getting into a good routine with your finances will set you in good stead not only with lenders but also for your future financial well being.
If your not ready to visit the bank yet or building a new home is or isn’t in your plan for this financial year there is plenty of free online budgeting tools you can use to get you started. One of the best ones we have seen around is from the ASIC money smart website which is free and prompts you to think about all those little things which you might not of though of.