With the advent of spring, there is no better time to have a spring clean – and not just your life but your finances! It is a great time of year to go through your current financial situation and make some positive changes.

Anne Street Partners have 10 tips that will help spring clean your finances:

1.Go through your current credit card statements and assess how you are using your credit card each month. It may be that you could get a better deal by switching to a 0% card – there are often many deals which include balance transfers.

2. Download a budgeting app for your smartphone! These are great for working out budgets, reviewing your current spending habits and planning savings. Here are our favourite budgeting apps of 2015.

3. Open a new savings account. It can be very motivating to open a new savings account to start planning for the future. Whether you want to save for a holiday or upcoming wedding, it is always worth putting something in a savings account for a rainy day.

4. Organise all of your financial paperwork and put all your paper statements into folders. It is much easier to assess your financial set up when seeing it all in front of you.

5. Shred any old statements, records, bills and letters. Often we hold onto bills from 2008 for no reason! Only keep what you need.

6. If you have been putting off paying a bill or opening a statement make a point of facing it and dealing with it. You feel better once you confront any debts and face them head on! Making a payment plan is easy and enables you to plan your budgets more easily.

7. Go through all of your standing orders and direct debits. Ensure that they are all up to date and you are not paying for something you are no longer using. Cancel any that are unwanted or invalid.

8. Whilst spring cleaning your home, put any unwanted items in boxes to sell on eBay – you can reorganise your home and make some money at the same time!

9. If you have been considering a new investment, take some time to do some research and evaluation. Once you have organised your budget and spending, it is prudent to think about the future and learn about new investment opportunities.

10. Speak to a financial planner such as Anne Street Partners who can help you work out a budget, streamline your finances and give guideance on investments and retirement funds.

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There are many reasons why we find it hard to save sometimes. It can often seem quite difficult to save when there are bills to pay, debts mounting up or social events on the horizon. But it is possible! Whether you are looking to save up some money for a rainy day, buy a car, put a deposit on house or simply start up a retirement fund, we can help you get there.

Here are some quick and easy tips to start a piggy bank!

  1. Set a budget: People often spend their entire salaries because they don’t have a budget. So make a list and prioritize your expenses. Noting your spending can really cut down your expenses considerably. Restricting yourself to a set budget and listing your most important expenses like rent, grocery, bills etc. will go a long way.
  2.  Consider cutting down your entertainment expenses one week a month. Instead of going to the cinema to watch the latest release, rent a DVD and watch something from a new genre you haven’t tried before.
  3. Set saving goals: Nothing can beat a determined mind. Set for yourself a deadline and stick to it. For example you may decide to save at least $5000 by the end of the year. Start small with $50 a month and see how it goes
  4. Explore different saving and investment strategies. For a long term goal such as house deposit, consider saving over several years with bonds or mutual funds. For more short term goals such a holidays or events, try a high interest savings account
  5. Keep a check on your savings: Keep monitoring your savings account. This will not only keep you aware of your finances, but motivate you to save up more
  6. Pay yourself: Everybody likes to spoil themselves and one way to save up is to pay yourself a specific amount from your salary each month through automatic transfers or whatever method you prefer. This way, you will be spending less because the budget that you allocate to expenses will be more limited
  7. Shop around for new deals on insurance and utilities. It always wise to compare the market and see if you can find a better deal!

For more information on how Anne Street Partners can help you plan a budget and manage your finances please contact our team today on 135 444

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Adrian-Carlson_Anne Street PartnersArticle By Adrian Carlson (Head Of Home Loans)


If you’re saving for a property, it can be difficult to know when you have enough money to seriously go looking for your dream home. After all, a home loan is usually the biggest financial commitment you will make. Logic suggests you should save as much money as possible before you start looking for a property. So how much money do you really need to put a deposit on a property these days?

Everyone’s financial and life situation is different, along with their purchase requirements. However, there are certain considerations and general rules that will help you know when you’re financially ready to research a suitable professional lending institution to assist with your purchase.

Most lenders are generally willing to finance home purchases up to 95% of the property value, provided you have an exceptionally strong employment and savings / credit history, along with proof of a consistent savings plan. The loan amount will also strongly influence the lender’s decision. So if the property value is $380,000, you could obtain a home loan with a deposit of $19,000. However, you will also need to purchase mortgage insurance with less than 20% deposit.

If your employment and savings / credit history is not so strong, or you don’t have the ability to service the loan repayments, the lending institution would generally only lend up to 80% of the property value.

Continue reading at Anne Street Partners

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The New Year has come, and with it a wide range of new opportunities! This is the reason why the team at Anne Street Partners have created a small, comprehensive list of motivational tips that will help you get the best out of the new business year.

  1. Smart goals

The first thing that you need to do is to create smart goals that are based on specificity, measurability, attainability, relevance and time. All of these are essential if you want to bring efficiency into your company and generate the best outcome in the end.

  1. Networking

You need to create a valid, professional networking strategy that will enable your company to get the best possible outcome at all times. Try to create fruitful, long running relationships with your customers by providing the best value, and this is how you will get some repeat clients that will help you expand your business.

  1. Imagination

You can’t get far without imagination and innovation. Being able to innovate is the number one requirement in 2015, so try to bring as many new ideas for your business, because this is the only way to get astonishing results this year!

  1. Get into the action

Planning is very important for any business, but if you want good results the reality is that you need to act as fast as possible, once you get an idea that might be very valuable for your business. Remember, the faster you act, the better the results that you can get, so don’t waste any valuable time.

  1. Use forecasting

Forecasting is essential if you want to find any problems and glitches in your business, and this can also prepare you for any unfortunate events that might appear in the future. It’s important to have some data to work with in 2015, so do try and implement forecasting into your business.

  1. Learning from mistakes you have made

Believe it or not, learning from mistakes is one of the most important things that you can do in 2015. The best thing here is that learning from mistakes is very useful when it comes to creating better products and services, a situation in which everyone wins, from your company to its customers and even your field of work.

  1. Stay positive

2015, just like any other year, can bring some unfortunate events for your business, but you need to try and stay positive at all times in order to get the best results. Remember, with the help of positive thinking you can always bring a positive outcome to your business!

  1. Find an inspiration

There are many companies on the market that have achieved amazing results without too much investment. Try to learn from them, everything from pricing methods to strategies and all other things you can gather from their own experience. Of course, feel free to overcome your inspiration source and instill your own idea, but getting an inspiration basis for 2015 is indeed a necessary thing to do.

  1. Take breaks

Sometimes, the best results come when you work smart, not continually. Taking a breather might give you some amazing approaches when you come back to work, and this is why you need to try and create a balance between the company’s endeavors and your personal life.

  1. Use the Internet the right way

You can use the internet to motivate yourself, but when it comes to the business side you can easily increase the exposure and efficiency of your company with a better marketing plan. Create a site, blog, use more social media sites than before, and interact with the customer base. This is essential if you want to get impressive results in the end!

In conclusion, these are the best 10 motivational tips that you need to follow in 2015. Thanks to them, you will be able to get great results from your business, so don’t hesitate to implement as part of your plan for the year.

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