Are you struggling with the amount of debt you currently have? Would you like some practical advice on how to reduce your mortgage to manageable levels?  

With a home loan being the biggest financial commitment many people make it seems incredible that people do not have any plans in place to ensure they can make these payments. When businesses apply for a loan they need to complete budgets, cash flow forecasts as well as contingency plans such as what happens when a key member becomes sick or injured. They constantly evaluate the loan to ensure it meets their requirements and they remain on track to repay the loan.

Many families do not even complete a budget and certainly do not have any plans in place should either one of the partners be unable to work for a length of time. If this were to happen to your family, could you continue to make repayments as well as pay your weekly and monthly bills? How long could your family survive without an income?

If your answer is "I don't know, I just hope it doesn't happen", then you are not alone. We have seen an increase in the amount of enquiry from people who are really struggling to meet their financial commitments. Sadly, for most of them if they had requested help earlier and planned ahead they would not be in the unfortunate position they find themselves in now.

There are actually many strategies available to help you ensure you do not suffer mortgage stress. Refinancing and consolidating your various personal loans and credit cards into your home loan may sound like a great idea you may actually end up paying more in the long run if it is not done correctly.

We are running a free seminar to help you understand the correct way to structure your debt to make the most of your cash flow. Find out how to create a "buffer" in your loan to assist your family continue to make repayments if the income earner loses their job.

With guidance and professional assistance it is quite possible to save thousands and cut years off the term of your loan. Learn which bank accounts you should have as well as how to utilise the full benefits of these accounts.

At Garden Financial Services we believe in helping families achieve financial independence and this popular seminar is expected to fill fast. Call Gavin on 5437 2744 to book your seat today.

When: Wednesday 1st September
Time: 6.30pm
Place: 1/5 Oval Avenue
Phone: Gavin 5437 2744
Email: gwilliams@gardenfs.com.au

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