So, you’ve read dozens of self-help finance books, listened to audiobooks on the train, been to Jordan Belfort’s seminars on smart investing and now you’re ready to take on the world!
At least, you think you are right?
You understand this isn’t anything like the monopoly board game you got for Christmas all those years ago.

Your friends tell you stories, whispers in the wind on what they THINK you should do with your money, everyone always has an opinion on how they think you should lead YOUR life, but truth be told they’ve left out some major points and probably haven’t given you the big picture.

While they all have their merits and offer some amazing takeaways, today we want to share our own nuggets of wisdom. We’re joining days 11 & 12 and about to run through the insider scoop on managing your cash flow and why living expenses are so important to lenders in today’s 12 days of Black & White Finance.

When you think of Christmas, do you think about a snowy winter wonderland or a sunny Aussie day having a barbie with the family after opening all your presents? Two stark contrasts when you consider the different experiences we have around the world.You won’t have to circle the globe like Santa on Christmas Eve to find out the differences between interest only and P&I repayments on your home loans.Today on day 10 of our 12 days of Black and White Finance, we’ll be going through the pros and cons of each and letting you know how you can minimise your debt sooner.

Ladies and gentlemen, welcome to tonight’s holiday season finance bout to remember!
In the blue corner, we have the undisputed essential hero to everyone with a loan – REDRAW!
In the red corner, we have the unsung underdog taking the financial world by storm – OFFSET!
Who will come out on top? How do the two stack up against each other? Who’s name will the crowd be chanting by the end of the night?
Find out all this and more on redraw vs offset in tonight’s day 9 of our 12 days of Black and White Finaaaaaaaance!

Exclusivity – In our modern world we crave it, whether it be getting let into the VIP room at a nightclub to getting an online coupon for your birthday and everything in between.
Even Christmas is the same, everyone wants to be on that exclusive nice list, right?
Today on day 8 of our 12-day coverage we’ll be talking about industry specialisation and what it could potentially mean for your future finances.

So you’ve got a competitive streak in you, you live for nothing but the very best and love a good bargain when you can get your hands on one.
Out of all the Christmas lights on the street, the ones you put up shine the brightest – while it may run up your electricity bill, they’re good things you put up with.
But being outbid at auctions and getting your time wasted? Those are things you shouldn’t have to put up with.
Here’s day 7 of our 12 Days of Black & White Finance – tips for going to auction!

It’s a new day, it’s a new dawn, it’s a new liiiiiiife... for those looking to get a construction loan!
What is a construction loan exactly and why do so many people opt for them? We’ll be going over this today as day 3 of our 12 days of Black and White Finance continues.

Hope you’re all getting into the festive spirit and looking to end 2019 with a bang! In keeping with our ‘12 Days of Black & White Finance’ theme, today we will be looking at the differences between fixed vs variable rates.

If you’re a medical practitioner looking to get into the property market, you’re luckier than most really. How you may ask? Well because eligible medical practitioners can obtain loans up to 90% of the property value without mortgage insurance* (hyperlink to Blog What first home buyers need to know), subject to certain criteria.

Whether it be for a home loan to buy your first property, refinancing your existing home loan, the need to fund your construction, a loan for your car or your commercial property, a mortgage broker will provide significant benefits. Why you may ask?