Financial Mentoring Programme

Working Together for Your Financial Future


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Why is there so much month left at the end of the money?

Do you ever get the feeling you work so hard yet there is so much month left at the end of the money. Wouldn't it be great to have much more money left at the end of the month?

Unfortunately for many Australians this is normal and it's becoming more and more normal with easy access to personal loans and credit cards being handed out like lollies. Maybe we should introduce to kids at school, don't talk to companies that are offering free credit cards?

Personal debt in Australia is at an all time high and even high compared to other countries from around the world.

According to the
Australian Bureau of Statistics in 2015-16, based on the ratio of debt to either income or assets, around three-in-ten households (29%) were classified as ‘over-indebted’.

Debt growth has outpaced that of incomes and assets during the same period, helping to drive the proportion of households who are over-indebted up from 21% in 2003-04 to 29% in 2015-16.

Build Cash Flow Not Spend Cash Flow

Having a budget helps you organise your cash flow and understand where your money is going.  But many think the word 'Budgeting' is a dirty word, they hate it so therefore don't budget at all.  For some it means you are going to have to sacrifice part of your life or that you won't be able to do certain things.


But budgeting just simply means managing your money.  You can still do the things you love but you can recognise that maybe you might not be able to do it as much or go without something else because your budget doesn't stretch that far. 


Budgeting allows you to setup your money goals, identify what you want and what you don't want.   It helps you see where your money goes and what type of spending habits you have.


Review your budget regularly as your expenses can increase and income may increase or decrease. 

  • Over Spending?

  • Renting?

  • Want to pay down debt?

Struggling to Curb Over-Spending?

Regardless of which scenario fits you, the first step to financial freedom is controlling your spending.  Having a mentor with you will help you manage your money and deal with stressful spending habits. Being accountable to your actions achieves long term results

Financial Mentoring Programme

At Key to Australia we not only help Australians purchase investment property who are in the right position to do so, but also help those who are either not in the right financial position or those who need to take control of their financial position.


Purchasing an investment property, you need to be financially ready and, in a position that you can hold on to that asset.  If you don't know how to budget and manage your money, how are you going to build a property portfolio that will help you in your retirement?


This is why we started our 'Financial Mentoring Programme' to help those who need someone to mentor and guide them to setup and manage their money over a period of time.   The reason we do it over a period of time is because we make you accountable and by you learning rather than us just doing it for you, you will use the skills you learnt for the rest of your life.


Whether you are trying to reduce your spending, wanting to buy your first home or investment property or just pay down your home mortgage sooner our 'Financial Mentoring Programme' will be perfect for you.

Financial Mentoring Programme Tailored to Your Own Situation

Struggling to Curb Over-Spending?


  • Your mentor will meet with you every month for six months to help you with over-spending, show you the traps of using that dreaded “after-pay”, “zip-pay” or your much-used credit card. Then twice more – 3 months apart, just to make sure you are ready to go the next step. Whatever that next step may be, for you.
  • Your mentor will work with you to explore why you over-spend, they will help you recognise your triggers, and show you a healthier, less expensive way to overcome these habits.
  • Your mentor will put in place strategies proven to work, and help you release these habits, the triggers, even the pressure of “keeping up” with the (fictitious) Jones’s.
  • With an empathetic nature, and a willingness to listen, your mentor will help you achieve your financial goals and ultimately show you your best financial future.

Energy and imagination Are The Springboards to Wealth Creation

Tired of Renting and Want to Buy Your First Home?

  • Your financial mentor will help you get started to owning your own home.
  • With proven strategies, and the right plan in place, you will be saving yourself into your first home sooner rather than later.
  • Meeting with you every month, ensuring that you stay on track with your savings plan, and offering timely advice when life gets in the way.
  • Your coach will keep you up-to-date with lenders offering special consideration to first time buyers and will keep you well informed when these lenders match your particular requirements.
  • Offering their years of experience in the finance sector, together with a team of professionals in the property market, your mentor will ensure that once you join our programme, your dream of home ownership is within your reach.

The Single Most Powerful Asset We Have is Our Mind.  If trained Well, It Can Create Enormous Wealth

Want to Pay Off Your Home Mortgage Sooner And Build a Property Portfolio

  • Your financial mentor will analyse your existing home loan, and if need be, refinance your loan into a better facility that suits you, not the banks.
  • Your mentor will prepare all the necessary paperwork, provide you with comprehensive reports showing you how to maximise the power of your money.
  • Your mentor will work closely with you, meeting each month to dissect, analyse historical data, and put you back on track – gently or strongly – if need be.
  • Your mentor will monitor the market place, making sure you remain in the best financial position to suit your own goals.
  • Your mentor will offer strategies proven to minimise interest, saving you time and money and in some cases reducing your tax.
  • Once everything is in place your mentor will work on a plan with you to purchase an investment property to help you build your wealth.

Never Spend Your Money Before You Have Earned it

Without the financial foundations in place, it is difficult to progress through to wealth creation strategies like purchasing an investment property and that’s where passive income and capital growth lives.


If you truly want to build wealth for you and your family and towards your own retirement you need get the fundamentals in place including, spending and saving.

Our 'Financial Mentoring Programme', is not designed as a fixed programme based on one system or process for everyone. It's designed to be fluent and fit into your personal situation including your financial dreams and goals.

 

Our financial mentor is well-equipped to work together with you, ensuring that what you say you want to achieve can be achieved. Ensuring that your dream becomes our mentor's challenge, and ultimately your success story.

Our financial mentor has decades in the finance industry, together with a passion to helping people achieve their best financial future, and at the same time creating positive outcomes within our twelve-month Mentoring Programme. 

Credit Representative Number 493774 is authorised under Australian Credit Licence Number 389328.  Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.