Borrow Smart, Repay Smart: Your Choices with Money

Dear Borrow Smart Family,

How do we discipline ourselves to spend money wisely? As an everyday mortgage professional, I help people acquire the largest asset they have – a home. To help borrow the most amount of money they’ve ever borrowed – a mortgage. For the largest line item in their budget… You guessed it, a mortgage payment.

As students, and ultimately, masters of helping clients manage money better, we can identify 3 choices that we all have relating to our money.

The 3 choices are as follows:
1. We can spend it
2. We can save it
3. We can use the money to prepay debt

Every money conversation leads back to those three choices. Debt prepayment, relates to car loans or student loans, that you have a choice to prepay, if needed, every month. I go into a bit more detail below:


I desire for you a full life, of no regrets or holding back. Life should be fun! But if you’re feeling overburdened by debt, please reach out to for a complimentary review of your home equity and current cash flow status. I’m here to help. I wish you all the best!

About Trevor Hammond

As a veteran of the mortgage industry, Trevor Hammond is the co-author of "Borrow Smart, Retire Rich," a Certified Mortgage Adviser and a founding Faculty Member and Contributor to the National Institute of Financial Education ( And he has provided thousands of homeowners with the clarity and confidence to make smarter decisions when it comes to their mortgages and money. In 2013 he launched an entirely new kind of mortgage company: Aspire Mortgage Group, which is committed to educating and empowering homeowners to increase savings, eliminate bad debt, and safely increase net worth. The specialized group of mortgage professionals at Aspire Mortgage Group have redefined what homeowners should expect from a mortgage company. To learn more about Trevor Hammond and our team of mortgage advisors please visit our website at or email Trevor directly: Aspire Mortgage is a Sierra Pacific Mortgage Partner.
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