by JBS Financial 10:29 pm 20 Nov 2017
Over the past few months we have had some of our clients send photos of their adventures around the world as they enjoy their retirement dreams.
We have had Paul drive across America with a long time school friend.
Densie & David go skiing in Whistler and visit Downton Abbey.
Peter & Debbie say goodbye to their employers and book trips to Ski the French Alps, visit family in the UK and even enrol to go back studying in the New Year on their return.
Phil & Linda who rented out their house for 12 months and have no permanent place of abode as they initially travelled around Australia before heading to Asia; eventually heading to Europe while the World Cup is on in 2018.
These are just a snippet of the numerous clients that we have all around the world living out their dreams and ticking off their bucket list.
It is fantastic to be able to share in our client’s success, but these results didn’t just happen overnight. In every case our clients have been planning and working towards these goals for years and in some cases tens of years.
Over the years I have helped hundreds of clients Retire Right and in my experience the clients who have written down their bucket list and regularly referred back to it; are kept accountable and tracked their progress towards their goals, are the ones who you see in these photos.
Early on in my own career a wise Retire Right client once said to me, I’m an overnight success after 20 years, so learn from him and START NOW.
We are approaching a great time of the year to complete some reflection and planning and I challenge you to come up with your own Bucket List. Be bold, aim high and start now as the earlier that you start, the more likely your dreams are to achieve.
For the record, the number one thing on my bucket list is to go the US Masters with my son and my dad. My wife and daughters are welcome, but my daughters are a little young to tell if they will like golf and I already know my wife’s answer….
What I wish for you is the opportunity to Retire Right so start the conversation.
– Warren Hanna –
by JBS Financial 4:08 am 15 Nov 2017
With the holidays fast approaching, it’s time to start to consider how you will fund your holidays / shopping / all-round fun. After all, the summer months are a great time and you definitely want to show your loved ones how much you care, but breaking the bank isn’t an option.
Saving on a tight budget can be quite difficult. To ensure you reach your holiday saving goals it is important to start saving early on. Another key to success is to set a concrete and achievable goal for yourself, and decide how exactly you will achieve that goal.
Perhaps your goal is to purchase gifts for all of your children, or fund a nice holiday away. Whatever it is, firstly determine the total cost. Break the total down by how many weeks you have left to save, and figure out where you can trim your budget to set that amount aside each week.
Some of the best areas to cut your budget include:
No more buying coffee or eating out — You’ll be surprised how much you can save by doing this.
Foxtel – Replace TV-watching with reading, cooking, games with your family, or other fun-yet-free activities. Take advantage of the warmer weather outside (when it decides to arrive).
High Interest Bank Account – Put any savings / loose change etc into a high interest bank account and save regularly. Having a separate bank account makes it more difficult to touch until you really need it (like for holidays).
And just as important, find ways to motivate yourself to keep saving.
It’s easy to become discouraged when your savings aren’t growing as fast as you would like, so it’s important to find ways to motivate yourself to keep saving.
I personally like to think about what it is exactly I am saving for and what I am achieving every time I deposit some money into the savings account. For example, if we are saving for a trip to Thailand and our travel budget is $100 a day, then every time I save $100 I know that’s one day of our holiday I have just paid for. Simple, but very effective.
Saving money and being thrifty isn’t fun but remember the end product will be! When you are lazing on the beach at your desired location, visiting Disneyland, or camping at your favourite spot, there is no doubt that you will be glad you saved every cent!
Make a commitment now to plan ahead, and it is very likely those savings will lead to a fun-filled time over summer.
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