Borrow Smart Repay Smart

True or False: How well I manage my cash flow over time determines my financial future.

Imagine your cash flow as the heartbeat of your financial health. Just like a steady heartbeat keeps you going, managing your money inflow and outflow is crucial for a solid financial future. Tracking where your money comes from and where it goes helps you make informed decisions. It’s like steering a ship – if you know your course, you can avoid unexpected storms. When you understand your cash flow, budgeting, saving, and managing debt become easier; let’s set sail toward financial stability by taking charge of our money and steering it wisely!

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Thank you for visiting borrowsmartrepaysmart.com.Checkout the resources available at NIOFE.org to enhance your financial knowledge. For personalized guidance, feel free to connect with a Neo Home Loans Mortgage Advisor. We’re here to assist you on your journey to financial success.

True or false: A 15-year mortgage saves me more money than a 30-year mortgage.

🤔 The answer might not be as straightforward as you think.

Potential and current homeowners should consider various liability options, including mortgage terms and down payments. I’m encouraging everyone to listen closely to last month’s engaging Lunch Money Webinar.

Lunch Money Webinar! Borrow Smart, Repay Smart 

Reach out to a Neo mortgage advisor and chat about how to maximize your financial future.  🏠💡 #HomeownershipInsights #LiabilityOptions

True or false: A large down payment will save me more than a small one? 🤔

The answer isn’t always straightforward; while a substantial down payment can lower your monthly mortgage payments, it’s essential to consider your overall financial strategy. Different liability options, such as investing in other opportunities or diversifying your assets, could yield higher returns over time.

Curious to learn more? Throw on some headphones and listen closely to this Lunch Money Webinar! Borrow Smart, Repay Smart   I think this will help folks gain a fresh perspective on optimizing the liability approach and making the most of your homeownership journey. 📈💰 #FinancialWisdom #LiabilityStrategies

If you want to enhance your financial knowledge and secure your future, please look no further than NIOFE.org!

The National Institute of Financial Education is a fantastic resource I can wholeheartedly endorse. Their resources empower individuals to make informed money decisions. Whether you’re a first-time homebuyer or looking to refinance, we’re committed to your financial success.

Take a look around NIOFE.org, and if you have any questions, don’t hesitate to reach out to a Neo Home Loans mortgage advisor for personalized advice tailored to your unique needs. Let’s secure your future together! 💪💰 #FinancialWellness #SpeakToAnAdvisor

Lunch Money Webinar! Borrow Smart, Repay Smart 

🏠 Whether you’re looking to repay your mortgage faster, build wealth, make smart borrowing decisions, or enhance your financial well-being, this webinar is a treasure trove of practical tips and strategies.

A BIG thank you to everyone who joined us and contributed to the success of the Lunch Money webinar. Your presence and engagement mean the world to me, and I’m excited to continue sharing valuable content and empowering each other on our financial journeys.

If you have any questions or need further assistance, feel free to contact your NEO Mortgage Advisor! Stay connected as you navigate the exciting world of financial literacy.

Hi there,

You are invited to a no-cost Zoom webinar, Lunch Money!
When: Jul 18 2023, 12:00 PM Pacific Time (US and Canada)
Topic: Lunch Money: Borrow Smart Retire Rich! I will go through 7 KEY Steps to consider paying off your mortgage or growing your savings faster!

Register in advance for this webinar:
https://us02web.zoom.us/webinar/register/WN_eXZt8E_ZQoqKXnCTSMdpUA

After registering, you will receive a confirmation email containing information about joining the webinar.

These daily decisions directly impact your success.

Every day, we have decisions to make. These decisions, compounded over time, ultimately determine where we end up. This is true with business, money, relationships, health, and so on.

Success (or lack of) is usually not a one-time big decision. It is the combination of many small decisions, made consistently, over time.  

But there are two decisions, every day, that I know determine whether I’m successful or not:

1. What I read
2. Who I spend my time with

Our mind is very teachable – good or bad! This means we must protect what we put into it. I can read or watch the daily news and begin to feel bitter and fearful of the world around me. Or, I can read books like the ones on my desk right now:

• The Laws of Lifetime Growth (Dan Sullivan)
• The 10 New Golden Rules of Customer Service (Todd Duncan)
• Principles (Ray Dalio)
• Developing the Leader Within You (John Maxwell)
• Becoming a Coaching Leader (Daniel Harkavy)

As far as relationships, I learned long ago that we become the average of the five to ten people we spend the most time with. So, spending time with people focused on good health, being a good spouse or parent, and managing their money well, increases my chances greatly of being successful in those same areas of my life. It works the other way too, unfortunately. Spending time with people who consistently make unhealthy decisions can hold me back from becoming the best ‘me’ I can be.

As you look ahead to a New Year, pay close attention to these two important decisions you must make every day. They mean everything.