Blog
Blog
10/10/11
Debt Reduction
The simple key to Debt Reduction boils down to 2 key components:
1. Income
2. Expenses
The name of the game is to ensure that you spend less than you earn.
If you want to accelerate your debt reduction you have 2 options;
1. Earn More
2. Spend Less
I know which one I'd prefer - EARN MORE!
The more cash flow hitting your loan account the less interest you pay.
Crown can help you Manage your Money a lot more effectively and efficiently than what you are currently able to do by yourself.
Think of us as a personal trainer down at the gym.... Except for your money!
You work hard for your money, its about time your money started to work hard for you...
Let us help you manage your money for FREE!
Call Scott Parry on 1300 882 981 for a quick free consultation.
The simple key to Debt Reduction boils down to 2 key components:
1. Income
2. Expenses
The name of the game is to ensure that you spend less than you earn.
If you want to accelerate your debt reduction you have 2 options;
1. Earn More
2. Spend Less
I know which one I'd prefer - EARN MORE!
The more cash flow hitting your loan account the less interest you pay.
Crown can help you Manage your Money a lot more effectively and efficiently than what you are currently able to do by yourself.
Think of us as a personal trainer down at the gym.... Except for your money!
You work hard for your money, its about time your money started to work hard for you...
Let us help you manage your money for FREE!
Call Scott Parry on 1300 882 981 for a quick free consultation.
15/09/11
Managing Your Money...
Manage Your Money Flow
Managing your money flow is the critical step of building your
financial house. It is like building the frame that the rest of the
home will be built around.
The concept of managing your money flow is basically making
sure that your inflow of cash is less than your outflow of cash. This
process is called budgeting. When you create and follow a budget,
you are living within your current means and you will avoid
accumulating new debt.
When you take the time to create and follow a budget, you begin to
see where your money goes each month. Armed with that
knowledge you can cut back on some of those wasteful spending
habits and free up money to start moving towards your goals.
Managing Your Money Flow Will Help You Reach Your Financial Goals
When you follow a budget, you can allocate money to reaching
your financial goals. Maybe you want to save for things like
retirement or a downpayment on a house. Perhaps you want to start
saving money to start that business you've been dreaming of. When
you follow a budget, you have a plan to get where you want to go.
When you have a goal and plan to reach that goal, your chances of
getting there are exponentially increased.
Managing Your Money Flow Will Prepare You for Future Wealth
If you are always running out of money with your current income,
A Step By Step Guide To Getting Your Financial Life On Track
Chances are that you will have the same problem even if you earn
more. Statistically, the more money you earn, the more money
you'll spend. This is called Parkinson's Law. If you do not learn to
manage what you have now, earning more money will not solve
the problem.
Don't be fooled by appearances. Many of those high income
earners are broke. All of their income is going to pay for their big
mortgage, the credit card bills, and the car loans. They are just
broke at a different level.
Managing Your Money Flow Will Teach You Discipline
Wealthy people understand the importance of managing their
money. They exercise self-discipline and they save up for
purchases and earn interest on their savings while they do it. Broke
people tend to go for instant gratification and buy things on credit.
Often, whatever they buy ends up costing them twice as much by
the time they finish paying for the credit card bill.
In the long run, saving up for purchases will actually allow you to
buy twice as much stuff compared to buying with credit.
Alternatively, you could have the same amount of stuff, plus build
up a big investment account on the side with all the money you
save by not paying interest on debt.
Over the years of working in the financial industry I have actually
met a lot of low income earners that had higher net worths than
many doctors and lawyers. This is simply because they managed
their money well and allocated a portion each month to go into
Budgeting is the basic building block of financial success. When
you can manage your money successfully, you can allocate money
to reach future financial goals. You will also be learning important
money habits that will serve you well for your entire life, no matter
how much you are earning.
Manage Your Money Flow
Managing your money flow is the critical step of building your
financial house. It is like building the frame that the rest of the
home will be built around.
The concept of managing your money flow is basically making
sure that your inflow of cash is less than your outflow of cash. This
process is called budgeting. When you create and follow a budget,
you are living within your current means and you will avoid
accumulating new debt.
When you take the time to create and follow a budget, you begin to
see where your money goes each month. Armed with that
knowledge you can cut back on some of those wasteful spending
habits and free up money to start moving towards your goals.
Managing Your Money Flow Will Help You Reach Your Financial Goals
When you follow a budget, you can allocate money to reaching
your financial goals. Maybe you want to save for things like
retirement or a downpayment on a house. Perhaps you want to start
saving money to start that business you've been dreaming of. When
you follow a budget, you have a plan to get where you want to go.
When you have a goal and plan to reach that goal, your chances of
getting there are exponentially increased.
Managing Your Money Flow Will Prepare You for Future Wealth
If you are always running out of money with your current income,
A Step By Step Guide To Getting Your Financial Life On Track
Chances are that you will have the same problem even if you earn
more. Statistically, the more money you earn, the more money
you'll spend. This is called Parkinson's Law. If you do not learn to
manage what you have now, earning more money will not solve
the problem.
Don't be fooled by appearances. Many of those high income
earners are broke. All of their income is going to pay for their big
mortgage, the credit card bills, and the car loans. They are just
broke at a different level.
Managing Your Money Flow Will Teach You Discipline
Wealthy people understand the importance of managing their
money. They exercise self-discipline and they save up for
purchases and earn interest on their savings while they do it. Broke
people tend to go for instant gratification and buy things on credit.
Often, whatever they buy ends up costing them twice as much by
the time they finish paying for the credit card bill.
In the long run, saving up for purchases will actually allow you to
buy twice as much stuff compared to buying with credit.
Alternatively, you could have the same amount of stuff, plus build
up a big investment account on the side with all the money you
save by not paying interest on debt.
Over the years of working in the financial industry I have actually
met a lot of low income earners that had higher net worths than
many doctors and lawyers. This is simply because they managed
their money well and allocated a portion each month to go into
Budgeting is the basic building block of financial success. When
you can manage your money successfully, you can allocate money
to reach future financial goals. You will also be learning important
money habits that will serve you well for your entire life, no matter
how much you are earning.
10/03/11
THE CROWN LENDING PHILOSOPHY
• In today’s society money is one of the basic essentials of life – As important as the air we breathe, the water we drink and the food we eat.
Without it we simply could not survive.
No………… money is not everything. – In fact really it is nothing, - it is merely a tool to be used to sustain us through life. Yet it is the single greatest cause of strife and anguish in our society.
• Years ago mankind/people used to capture others chain them up & sell them into slavery – for a lifetime…………
In today’s society slavery is alive & well – just in different form – it is called DEBT.
Think about it………… as a society we have unconsciously but willingly sold our freedom by this culture of “Have it now – pay for it later”.
There’s nothing wrong with that, in fact borrowing money is also essential for us to succeed or even survive these days. Understanding how to make it work for us is what is important.
• A great deal of focus/importance is placed on how to get more money today, - Buy Lotto, better wages, clever investments etc.
But trying to gain greater amounts of money is a wasted exercise when we have this cancerous epidemic eating away at it all called DEBT.
• CROWN has a mission, - that mission is to help people get more out of life with less effort. By learning to escape this system earlier and in doing so saving a fortune in the meantime.
• No, it doesn’t mean earning more, or winning large amounts, or investing cleverly – It’s about understanding the basic rules of money-It’s actually surprisingly simple………… But it takes an open & willing mind to get started.
Feel free to contact us for more information on 1300 882 981
• In today’s society money is one of the basic essentials of life – As important as the air we breathe, the water we drink and the food we eat.
Without it we simply could not survive.
No………… money is not everything. – In fact really it is nothing, - it is merely a tool to be used to sustain us through life. Yet it is the single greatest cause of strife and anguish in our society.
• Years ago mankind/people used to capture others chain them up & sell them into slavery – for a lifetime…………
In today’s society slavery is alive & well – just in different form – it is called DEBT.
Think about it………… as a society we have unconsciously but willingly sold our freedom by this culture of “Have it now – pay for it later”.
There’s nothing wrong with that, in fact borrowing money is also essential for us to succeed or even survive these days. Understanding how to make it work for us is what is important.
• A great deal of focus/importance is placed on how to get more money today, - Buy Lotto, better wages, clever investments etc.
But trying to gain greater amounts of money is a wasted exercise when we have this cancerous epidemic eating away at it all called DEBT.
• CROWN has a mission, - that mission is to help people get more out of life with less effort. By learning to escape this system earlier and in doing so saving a fortune in the meantime.
• No, it doesn’t mean earning more, or winning large amounts, or investing cleverly – It’s about understanding the basic rules of money-It’s actually surprisingly simple………… But it takes an open & willing mind to get started.
Feel free to contact us for more information on 1300 882 981
04/08/10
Refinancing
Refinancing your home loan is a very smart option to take if you are looking to consolidate your credit card debt, personal loan debt or wanting to use some of your equity to invest in either property or shares.
The average Australian refinances their home loan every 3.9 years, most of the time it is for one of the benefits mentioned below:
· Getting a lower interest rate
· Paying off your mortgage faster
· Lowering your monthly debt repayments
· Accessing equity for renovations, holidays or cars
Our home loan consultants can give you quotes on refinancing, as well as let you know what the best home loan structures are in the market.
You will end up saving thousands of dollars in interest payments, which means you’ll be out of debt quicker and have your investment property portfolio started a lot sooner!
Scott Parry
1300882981
Refinancing your home loan is a very smart option to take if you are looking to consolidate your credit card debt, personal loan debt or wanting to use some of your equity to invest in either property or shares.
The average Australian refinances their home loan every 3.9 years, most of the time it is for one of the benefits mentioned below:
· Getting a lower interest rate
· Paying off your mortgage faster
· Lowering your monthly debt repayments
· Accessing equity for renovations, holidays or cars
Our home loan consultants can give you quotes on refinancing, as well as let you know what the best home loan structures are in the market.
You will end up saving thousands of dollars in interest payments, which means you’ll be out of debt quicker and have your investment property portfolio started a lot sooner!
Scott Parry
1300882981
16/07/10
Corporate Profile - Crown Lending
The Executive Director and sole shareholder of Crown Lending is Scott Parry.
Crown specialises in getting their clients cash flow working for them - which results in them paying off their mortgage in up to half the time!
Over the past 8 years Crown has shown Australians how to get their incomes working for them
in the best way possible in order to reduce the term of their home loan.
Crown Lending has featured in publications such as Asset Magazine,
Money Management Magazine, Financial Review, Adelaide Advertiser,
West Australian and the Sunday Times.
Benefits to YOU the Client:
• Having a personal private bank manager who helps YOU with your cash flow
management every pay cycle.
• NO CREDIT CARD DEBTS. It is a CASH BASED SYSTEM - Utilising a VISA DEBIT facility.
• It reduces your impulse buys such as ad-hoc purchases on credit cards.
• It reduces your “bad” Debt or non-deductible Debt faster - Getting your income working
for you rather it just sitting in your cheque or savings account doing absolutely nothing for you!
• There is monthly contact with you, keeping you accountable and helping you with your self discipline - just like a FREE personal trainer but for your finances!
• Annual Reports are sent detailing your progress together with information about how
you are on track to achieving your #1 goal - paying off your home loan!
• No Monthly Fees = $0
• No Money Management Fees = $0
• Better cashflow
Crown Lending completes a very comprehensive individual spending plan analysis with each client. These figures are then utilised to assist us with our techniques to reduce your debt. You are also
educated and shown the powerful benefits of having the LOWEST TOTAL COST HOME LOAN on the market.
The key to Crown Lending’s success has been the regular monthly contact with EVERY one of our
clients. We help our clients track their progress by keeping them accountable via cash flow
reports created and distributed to them regularly. The report shows all the transactions that have been made, but more importantly the amount of savings they have achieved.
The funding line for Crown Lending comes from NAB, as they have their funds held on trust for them with Perpetual Trustees. With a major bank funding line, the pricing and flexibility is similar to that of a retail bank product but with the value added service offering of monthly contact and support with a real focus on getting you out of personal (non-deductible) debt as quickly as possible.
Crown Lending has Professional Indemnity Insurance in place with AON and is also a member of the
Mortgage and Finance Association of Australia as well as being REGISTERED as an credit license holder with ASIC.
The Executive Director and sole shareholder of Crown Lending is Scott Parry.
Crown specialises in getting their clients cash flow working for them - which results in them paying off their mortgage in up to half the time!
Over the past 8 years Crown has shown Australians how to get their incomes working for them
in the best way possible in order to reduce the term of their home loan.
Crown Lending has featured in publications such as Asset Magazine,
Money Management Magazine, Financial Review, Adelaide Advertiser,
West Australian and the Sunday Times.
Benefits to YOU the Client:
• Having a personal private bank manager who helps YOU with your cash flow
management every pay cycle.
• NO CREDIT CARD DEBTS. It is a CASH BASED SYSTEM - Utilising a VISA DEBIT facility.
• It reduces your impulse buys such as ad-hoc purchases on credit cards.
• It reduces your “bad” Debt or non-deductible Debt faster - Getting your income working
for you rather it just sitting in your cheque or savings account doing absolutely nothing for you!
• There is monthly contact with you, keeping you accountable and helping you with your self discipline - just like a FREE personal trainer but for your finances!
• Annual Reports are sent detailing your progress together with information about how
you are on track to achieving your #1 goal - paying off your home loan!
• No Monthly Fees = $0
• No Money Management Fees = $0
• Better cashflow
Crown Lending completes a very comprehensive individual spending plan analysis with each client. These figures are then utilised to assist us with our techniques to reduce your debt. You are also
educated and shown the powerful benefits of having the LOWEST TOTAL COST HOME LOAN on the market.
The key to Crown Lending’s success has been the regular monthly contact with EVERY one of our
clients. We help our clients track their progress by keeping them accountable via cash flow
reports created and distributed to them regularly. The report shows all the transactions that have been made, but more importantly the amount of savings they have achieved.
The funding line for Crown Lending comes from NAB, as they have their funds held on trust for them with Perpetual Trustees. With a major bank funding line, the pricing and flexibility is similar to that of a retail bank product but with the value added service offering of monthly contact and support with a real focus on getting you out of personal (non-deductible) debt as quickly as possible.
Crown Lending has Professional Indemnity Insurance in place with AON and is also a member of the
Mortgage and Finance Association of Australia as well as being REGISTERED as an credit license holder with ASIC.
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