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20 Meg Dr
London, ON, N6E 2X9
Canada

519-649-2834

We have been proudly serving the mortgage and financial needs of individuals in London, Ontario and all across Canada for more than a decade.

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Welcome to Our Blog, where you'll find the latest news and gain insight into a variety of mortgage-related topics.

Financial Success and Accountability

Mike De Sousa

There is something to be said about discipline.  I am the first to admit that I envy someone who keeps track of every single dollar they spend.  They know what they spent at Wal-Mart, the grocery store, how much it took to fill their gas tank and how much they spent at Tim Horton's last week!  I can't say the same for myself at times.

Discipline is what separates the successful from the mediocre.  Unfortunately, most of us are mediocre when it comes to our finances.  We know that we should and could do more with our money to secure our future and meet our goals, but for some reason, we don't!

I am noticing that more and more Canadians are hiring personal trainers to help hold themselves accountable to their fitness goals.  This makes total sense:  Have someone else set up your plan based on what you want to achieve, let the professional design the program, and let them hold you accountable to the program!  As long as you show up, do the exercises, and track your progress, positive change will happen.

Why don't we hire a professional to keep us accountable to our financial goals?  Most financial planners are focused on providing investment advice and where to invest, but rarely does a financial planner tackle the most crippling part of our finances:  THE DEBT.

The only professionals who get paid to deal with your debt, are the ones who can provide more products to give you more debt!  Lines of credit, mortgages, car loans....these products can get you the material goods you desire, but with a debt attached to them and you are destined to pay more than the original sticker price!  We know how to get in debt and we have lots of help, but how do we get out of debt?

I believe that most of us are in The Banking Trap, where our variable and fixed expenses and income are all mashed together, causing confusion about the stability and direction of our money.  Moreover, debt products and bank accounts are all designed to have you pay back your debt when you feel that you have extra money.  Most of us never feel like we have enough to pay extra, and even if we do, it is hard to get that money back in case of an emergency.  The unfortunate result is that we overspend on interest and under save because we have debt payments for longer than we have to.

The way out of The Banking Trap, is to restructure your finances, change your neurological relation to money, and create new habits.  All this can be done by employing the professional services of a financial coach. I am not talking about a planner, I am speaking about a professional who has designed a system that will help you make all your debts efficient, restructure your banking approach so cash flow is predictable, and keep you accountable to your plan!

If you are confused about when you'll be debt free and scared about the fact that your savings are non-existent, we'd welcome an in depth conversation to see if our program can help you get ahead!

Thanks for reading!

Mike De Sousa and Mindy Small

Your London, Ontario Mortgage Brokers at Dominion Lending Centres Forest City Funding FSCO# 10671