Money Mindset

CAB Property Wealth It is completely understandable if you’re feeling the frustration of the recent RBA rate hike. Another 0.25% bump—taking the official cash rate to 4.10% as of March 2026—puts a very real squeeze on household budgets and shifts the landscape for anyone looking to enter or exit the property market. Here are 5 valid, actionable points on what to do with a mortgage or property tran...

www.cabpropertywealth.com.au In early 2026, the most pressing finance topic in Australia’s property sector is the "Supply-Demand Paradox." This is a situation where property prices continue to rise—or remain stubbornly high—despite record-low affordability and the sudden, unexpected threat of further interest rate hikes by the Reserve Bank of Australia (RBA). 1. The Interest Rate "Pivo...

A Great episode on Cash flow solutions over the holiday break. That's a critical area to focus on for a smooth holiday period. Cash flow can be tricky with holiday closures, slower client payments, and seasonal expenses. Here is a brief, actionable guide focusing on business cash flow and mortgage/lending solutions. 💰 Business Cash Flow Management The key is proactive planning for both reduce...

https://cabpropertywealth.com.au/ Associates of https://surveyassistaustralia.com.au/debt-%26-credit-solutions Home Loan Health Check and Offset Account Guide A Home Loan Health Check is a crucial, periodic review of your current mortgage structure, interest rate, and features to ensure it remains competitive and aligned with your financial goals. I. How a Home Loan Health Check Saves You Money A...

https://cabpropertywealth.com.au/ Member of https://surveyassistaustralia.com.au/ 2 of 12 Core Entrepreneurial traits 1.      Open Mind 2.      Health – Diet and Exercise An open mind is not just a desirable trait for an entrepreneur; it is a foundational prerequisite for survival and growth in the dynamic, unpredictable world of business. It is essential because it directly enables the three pill...

https://cabpropertywealth.com.au/ Working aside with: https://surveyassistaustralia.com.au/ A relationship can profoundly help or ruin a healthy money mindset by directly influencing trust, accountability, and the ability to plan for the future. Financial alignment is often as important as emotional alignment for long-term well-being. How a Relationship Helps a Healthy Money Mindset A supportive r...

https://cabpropertywealth.com.au/ Our partners in Business Coaching Link HERE: https://surveyassistaustralia.com.au/ The Business coach approach to success. Fear of Failure:  The anxiety that everything must be 100% successful and the fear of shame, disappointing others, or not achieving future goals. Fear of Success:  The worry that success will bring more responsibility, pressure, and increased...

https://cabpropertywealth.com.au/ Feeling unfulfilled in your career is very common. The key is to shift from broad dissatisfaction to taking focused, strategic steps. Phase 1: Analyze & Clarify (The "Why") Before making any big moves, get clarity on the root cause of your feeling. Step Action Question to Ask Yourself 1. Identify the 'Why ' List what you dislike and what you li...

https://cabpropertywealth.com.au/ This episode is revised from my past Career Hack episode. The importance of "career hacks" lies in their ability to provide leverage and accelerate progress by focusing effort on high-impact, strategic actions rather than relying solely on incremental hard work. A "career hack" is essentially a clever, non-obvious technique that improves results in...

https://cabpropertywealth.com.au/ This episode has some Investment quotes. Investment quotes from famous and successful investors are important for investment education for several key reasons: 1. They distill complex wisdom into memorable principles (Mental Models): Simplicity and Clarity: A single, well-crafted quote often summarizes a lifetime of experience and a core investment philosophy. For...

https://cabpropertywealth.com.au/ This episode delves within the drastic actions and decision making processes we may encounter when faced with an emergency situation of having to sell an Investment for fast money. Do you need money fast and are considering selling something to get that money? This may help...good luck and happy listening...

https://cabpropertywealth.com.au/ Here is the Link to the official Government site HERE The changes relate to the Home Guarantee Scheme , which helps first-home buyers purchase a home with a small deposit without needing to pay Lenders Mortgage Insurance (LMI). Here's a breakdown of the key changes coming into effect on October 1st, 2025: Unlimited Places: The scheme will remove the annual cap...

https://cabpropertywealth.com.au/ A short episode quote the obvious yet making sure that you take advantage of all the opportunities available. In short, when interest rates drop, the key is to adopt a growth mindset and take action. First save money on existing loans. Negotiate your rates and refinance with another bank if your existing bank does not budge. Career opportunities. The opportunities...

https://cabpropertywealth.com.au/ The Australian property market is showing clear signs of a new cyclical upswing, largely driven by expected interest rate cuts and a persistent housing undersupply. Property Cycle Turning Up: After a brief dip, national average property prices have been steadily rising since February 2025, indicating a new upswing. CoreLogic data suggests another 0.5% rise this mo...

https://cabpropertywealth.com.au/ This episode will help when considering downsizing your home. Downsizing a property is a significant move driven by financial, lifestyle, or life stage changes. Key considerations include understanding the financial implications (equity, selling/buying costs, ongoing expenses), preparing for lifestyle adjustments (less space, decluttering), addressing emotional as...

https://cabpropertywealth.com.au/ This episodes helps understand that the finance industry can do with some help from those who genuinely care for others to improve their overall financial well being. Sometimes this help can assist other finance professionals assist their clients with greater ease, simply because people become more financially aware with their requirements and practices with money...

https://cabpropertywealth.com.au/ Here are positive mindset traits for financial gearing, in brief: Calculated Risk-Taking: Courage to take informed risks, seeing setbacks as learning. Optimism & Vision: Belief in growth, clear future goals for leveraged funds. Resilience & Adaptability: Bouncing back from setbacks, flexible to change. Financial Literacy & Proactiveness: Continuous lea...

https://cabpropertywealth.com.au/ When changing banks, look out for: Fees: Compare account-keeping fees, transaction fees (ATM, international), and any hidden charges. Look for condition-free, no-fee options. Interest Rates: Especially for savings accounts, compare interest rates and any conditions to earn bonus interest. Access & Convenience: Check for branch/ATM availability if you need in-p...

https://cabpropertywealth.com.au/ Debt consolidation is important because it can simplify managing multiple debts by combining them into a single loan, often with a lower interest rate. This can lead to: Simplified Payments: One single monthly payment instead of many, reducing the risk of missed payments and administrative burden. Potential Interest Savings: If the new consolidated loan has a lowe...

 https://cabpropertywealth.com.au/ From July 1, 2025, the General Interest Charge (GIC) and Shortfall Interest Charge (SIC) levied by the ATO will no longer be tax-deductible . This means that if a self-employed client (or any taxpayer) incurs these charges on or after that date, they will effectively pay the full, unreduced cost of the interest, which is currently around 11.17% per annum for GIC...

https://cabpropertywealth.com.au/ Cash flow problems are a common challenge for businesses, regardless of size. It essentially means that more money is going out of your business than is coming in, leading to a shortage of available funds to cover expenses. Here's a breakdown of what to do when cash flow is a problem:  1. Understand and Monitor Your Cash Flow: Create a Cash Flow Statement: Thi...

https://cabpropertywealth.com.au/ Understanding your true values is a powerful step towards aligning your career, financial choices, and overall well-being. When your actions reflect what genuinely matters to you, you experience greater fulfillment, less internal conflict, and a deeper sense of purpose. 1. How to Find Your True Values Values are your fundamental beliefs and principles that guide y...

https://cabpropertywealth.com.au/ The decision of whether to pursue a career primarily for money or for your career interests is a deeply personal one, with valid arguments for both approaches. Ideally, the "jackpot" is finding a career that aligns with your passions and offers good financial rewards. However, when that's not possible, it often comes down to your individual values, pri...

https://cabpropertywealth.com.au/ Being rejected for a Loan from the bank can have negative impacts on people. As a mentor, your role is to provide guidance and support to help individuals understand the reasons for the rejection from the bank(s) and develop strategies to improve their chances in the future. Here are some mentoring techniques you can use: 1. Active Listening and Empathy: Listen at...

https://cabpropertywealth.com.au/ A bridging loan in Australia is a short-term loan designed to help homeowners purchase a new property before selling their existing one. It "bridges" the financial gap between these two transactions. Here's a breakdown of the pros and cons: Pros: Buy Before You Sell: The primary advantage is the ability to purchase your desired new home without the pre...