2026 Money Reset (without the overwhelm)

A new year is a good excuse to tidy up the basics — and make sure your money and lending choices still match your goals. Here are 5 simple moves to start 2026 strong: 1. Check your budget Have a quick look at what’s coming in vs what’s going out. Even small tweaks can free up cash for saving, investing, or extra repayments. 2. Review your home loan rate Rates and lender policies move around. A quick loan check can show whether you could reduce your interest cost (especially over the next 2 years). 3. Build a buffer Aim for around 3–6 months of living costs in an emergency fund. It’s boring… and incredibly useful. 4. Set one clear savings target Deposit, reno, investment, school fees — pick one focus and break it into monthly milestones so it’s achievable. 5. Track progress (keep it simple) A budgeting app or a basic spreadsheet is enough. The goal is consistency, not perfection. If you want a clearer view of your options (and the real cost of each pathway), we’re happy to help — you see what we see. https://calendly.com/michael-royal/discovery-call-let-s-catch-up-for-30 #BIRFinance #MortgageBrokerAustralia #HomeLoansAustralia #RefinanceCheck #BudgetReset #FinancialGoals #PropertyFinance #WealthCreation #FinancialEmpowerment #TransparentLending