Money management

Money Management Principles

How you spend, save and manage your money is fundamental to your future financial success. Having a money management system built into your Mortgage Strategy and Property Plan can allow you to manage money-related risks, for example; having a child, moving to a new area/location, career change, starting a business, extended travel, reduction in income, prolonged sickness or accident.

More importantly, it will boost your ability to invest and grow your wealth to set you up for a successful ‘flexibility stage of life’ and to be able to support your children, if that’s your goal.

Money management is about understanding your expenditure, and more importantly, your surplus cash flow. Through education and discussion with your Property Planner and Strategic Mortgage Broker in advance of making property and investment decisions, you can become fully aware of the cash flow implications for each and every property and investment decision you make.

Having clarity and taking control of your cash flow is liberating. You’ll literally walk taller! Either you control your money or money controls you. This clarity and control of your finances will allow you to determine your ‘Money Goals’. From this position of knowledge, you can make decisions as to how much cash flow you choose to direct towards property and equally important, how much you want to maintain as a savings buffer following your next property or financial investment.

You are best placed to determine what you’re comfortable contributing towards a property or other forms of investing from a cash flow perspective. This process is part science– that is where we come in – and part risk tolerance – that’s where you come in.

Ensuring you have well-defined Money Goals and an effective Money Management System is interconnected with being very clear about your Mortgage Strategy, Risk-Management Strategies and your resulting Property Plan.

By putting in place a Money Management and Banking System, you’ll enhance your line of sight over your spending habits. Our system allows continuous visibility of how your savings and spending are tracking, so you can use the process to improve your spending habits. Growing your cash buffer and reducing debt should be your primary focus to enable you to reduce risk and invest more readily. 

Contact us today to book in a free confidential property planning, strategic mortgage broking, money management or property select meeting.


The Seven Steps to Money Management Success is intended to be an information resource only and contains information of a general nature. It is not intended and does not constitute or act as a credit quote, credit proposal disclosure document or preliminary credit assessment. Further, it does not constitute or contain legal, taxation, financial product or financial planning advice. You should seek independent advice regarding these matters relevant to your own circumstances and individual needs from an appropriately licensed party. All information is provided by PPA with due care to its accuracy, however, no representation or warranty is made as to its accuracy, currency, completeness or reliability. It is your responsibility to assess and verify the accuracy, currency, completeness and reliability of the information and whether it applies in your individual circumstances.

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