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This is where it all starts.  However, most of us have never been through a goal setting exercise.

If you don't know where you are going, how will you know when you get there?

Setting goals gives you direction and boosts your motivation to achieve them.  Have you thought about:

  • Your next holiday?

  • Your next car upgrade?

  • How can you repay debt sooner?

  • When do you want to retire?

  • Your children's education?

  • Home renovations or an upgrade?

  • What is the best way to fund these expenses


We achieve goals, just like these, for our clients on a daily basis and have the answers for you.



It's important to set SMART goals and seek appropriate advice to achieve them.  What are SMART goals?  They are:


  • Specific

  • Measurable

  • Achievable

  • Realistic

  • Time Bound


Ensure that you have a plan in place to achieve them.

Needs vs Wants


In order to know when to spend and when to save, it helps to know the difference between needs and wants.  Needs are the essentials in life, like bread and milk.  Wants are the fun things in life, like going to the movies.

Get an idea of the things you need versus the things you want, then write down your goals, so you are motivated to save and spend wisely.

Understanding your current financial position

  • How much do you earn?

  • How much do you spend?

  • What is left over?


In order to get ahead in life we need to have savings more often than not.  We can help you understand your financial position, why it is like it is, and what can be done to improve it ... with ease.

Disclaimer:  The information on this website is general information only and is not intended to be a recommendation. We strongly recommend you seek advice from your financial adviser as to whether this information is appropriate to your needs, financial situation and investment objectives. Whilst every care has been taken in the preparation of this website, 452 Pty Ltd, its directors, authors, consultants, editors and any persons involved in the construction of this website, expressly disclaim all and any form of liability to any person in respect of this website and any consequences arising from its use by any person in reliance upon the whole or any part of this website.

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