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London, ON, N6E 2X9


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.

Awareness + Habits = Prosperity

Mike De Sousa

Recently, I contemplated the easiest way to overcome the habitual trap of overspending when it detracts from your longer term goals.

I decided that a simple equation for making your financial life easier and less stressful is to combine Awareness with new habits in order to achieve prosperity.

Awareness is the first step.  It involves becoming a bit more objective about your habits and the way in which you do things.  In order to assess what to do, you must first know where you are!  Most of us refuse to acknowledge that prosperity is within our own control.  It has nothing to do with luck or lotteries.  Rather, our wealth is based on keeping more money than we spend each month in order to achieve certain goals.

Habits are the hardest to overcome because we have been conditioned to use bank accounts and credit in ways that ensure our banks of a solid profit centre! We all have habits, but identifying them and doing something about them is a whole strategy!  You see, habits cannot be changed, they must be replaced! Once a new habit is formed, it changes the brain chemistry so that the new habit is hardwired and the old habit loses is energy.

Prosperity is the final result when you successfully use the above two principles.  You will find that money becomes easy to understand, and that building wealth is not a quick process.  It takes time and that is the hardest thing to overcome because taking time to have prosperity in the long run just isn't as sexy as buying the latest piece of technology for your home theatre.

Thanks for reading!

Mike De Sousa and Mindy Small

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