Reaching a balance

Reaching a balance is about "needs v effort". 

To reach a place where couples and/or individuals are comfortable while striving to take a further step to acquire a home or investment property there will almost surely be a need to prioritise spending/budgeting in the first,instance.  There is discipline and determination required to establish a bank balance that will count when looking for a loan.  The higher the deposit the less money required to borrow, the less borrowed the smaller the repayments.  All of these things have a flow-on effect.

Chapter 4 looks at ways to work on the budget from different angles.

Henry Ford wisely quoted "If you always do what you've always done, you will always get what you've always got".  It has also been referred to as "breaking the mould".