Past performance of financial products is no assurance of future performance. Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances. Any advice contained in this website is General Advice and does not take into account any person’s particular investment objectives, financial situation and particular needs. 236523 Head Office: PO Box 1856 Sunshine Plaza QLD 4558 Phone: 1300 784 448 General Advice Warning Information published on this website has been prepared for general information purposes only and not as specific advice to any particular person. Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. Scott’s passion for financial literacy has given him the opportunity to present his training workshops and seminars to over 5000 individuals. Through his business and training workshops Scott’s clients have included small business owners through to staff and management of government departments and public listed companies. Scott has been awarded the internationally recognised CERTIFIED FINANCIAL PLANNER® (CFP) certification through the Financial Planning Association of Australia, is a SMSF Specialist Advisor® (SSA) with the Self Managed Super Fund Association (SMSFA).
In 2009 he completed training with The Money Coaching Institute and is interested in learning all he can about the Life Planning methodology and the psychology around people’s relationship with money. In 2005 he became the first Registered Life Planner (RLP) in Australia with The Kinder Institute of Life Planning, after completing the EVOKE training program in the United States and a 12 month mentorship program. Scott is a true believer in ‘practicing what I preach‘ which includes investing in the property and share markets along with having his own family Self Managed Super Fund while also enjoying work-life balance! He is a believer’s that everyone should try to spend time enjoying the best of career advancement and work life as well as their family life! Scott’s experience includes working one-on-one with a broad range of public sector, small business and consultant clients and assisting them to create and achieve a financial strategy tailored to their needs. Scott is an Authorised Representative (ASIC No. Late payments on bills often come with additional late fees and interest, and a history of late or missed payments can lower your credit score.Scott is the Director of Money Mechanics, a financial advisory and education company with offices in Canberra ACT and Melbourne VIC. Until you start setting money aside for the future, your future finances will always be unstable. Planning your finances is a key foundation for a successful financial future. Credit card debt should always be counted as an expense in the budget. When credit cards are considered an extension of income people are unable to pay the balance off entirely, which increases their debt over time. Using credit cards as an extension of income Always have a goal for yourself and keep that in mind. Give yourself a day or two to calm down, and then decide if you really need that item. To stop impulse buying, try not to shop when you are are feeling emotional. It enables you to make changes that help you save more money and avoid overspending. Creating a monthly budget and sticking to it will allow you to see how much money you’re bringing in and where it’s all going. If you don’t have a monthly budget your money will disappear, and you will lose track of where your funds went. Paying your bills on time helps improve your credit score and saves you money by not having to pay late fees. Set up your bank account to automatically transfer at least 10% of each paycheck from your checking account into a savings account every month. The goal is to save at least 3-6 months of essential living expenses to cover unexpected events. It also does not hurt to get help from a financial coach if needed. P aying off your debt s can help you start saving more money and secure your financial future. You can create a strategy to pay off debts based on your budget. Budgeting helps you pay bills on time, build wealth by saving, and prevent financial mishaps.
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