It's a bullshit-free zone!
If you're reading this, it's because you've recognised that your finances need help. Either that or your kids gave you the book as a Christmas stocking-filler, it's pouring with rain and there's nothing on telly this afternoon.
Seriously, however you got here isn't important. The important thing is - you're here. Right here, right now is where you start getting control of your finances. This is where you stop throwing money away like it's going out of fashion and start saving. This is where your financial worries start to lessen. This is where you and your family begin to get ahead in the game.
What I do is very straightforward - I help ordinary Mums and Dads burdened with standard 30-year home loans, pay off those loans within 7 to 10 years. Yes, you read that correctly - you can be mortgage-free in 7 to 10 years simply by following a plan that we create together.
It's not magic. There's no smoke and mirrors. It's not even a secret how we can do this together. In fact, I call it the 'not-so-secret, secret', because anyone can do it.
Together, we examine your lifestyle and make a detailed assessment of your living expenses. Using that information, we then give every single dollar of your family's monthly income a specific purpose and structure it within a realistic budget. And guarantee to pay the loan off in 7 to 10 years.
Paying your home loan off over 30 years is bullshit! It's the biggest rip-off. When you're sitting in your bank, arranging your home loan, their entire focus is on the minimum monthly repayment. That just means they're forecasting their juicy profits over a 30-year period. Profits that you're paying for.
We can even pay off that 30-year loan earlier in some cases. One of our records is having cleared a mortgage in only 3.5! Mortgage-free in three and a half years - wouldn't everyone love to be in that position?
Our aim is to disrupt the passive, inherited way of thinking encouraged by the banks and to completely change traditional Mum and Dad psychology. Not with idealistic nonsense and impossible to achieve pie-in-the-sky advice aimed at solving unrealistic or non-typical situations. This book is packed with proven, practical and realistic strategies that work. If you and your family follow the process that we all agree to in the beginning, you will achieve the results we predict at the start. Guaranteed!
About the author
Graeme Holm – The Money Mentor. Multiple award-winning Accredited Top 100 Mortgage Broker And fully corporate-licensed Real estate agent in NSW, QLD & VIC with hundreds of satisfied clients. Ordinary families – mum, dad and the kids – just like yours. Families who’ve gone from the despair of living week-to-week on pay cheques that are spent before they’ve even had time to hit the bank, to owning their own home outright end enjoying a comfortable, money-worry free, lifestyle.
You and your family can do that, too. You can exchange your current financially-stressed existence for an easier, more enjoyable lifestyle and have fun along the way. Work with me and I’ll save you HUNDREDS OF THOUSANDS of dollars in interest and help you pay off your mortgage in 7 to 10 years.
Yes, you read that right – pay off your mortgage in 7 to 10 years – guaranteed!
That’s who Graeme Holm is – the guy who will help you and your family get ahead of the game without having to eat mince 7 different ways.
There are many ‘how-to’ books and videos out there, often with conflicting ideas about the best course of action for making the most of your funds, paying off mortgages, reducing debt and building wealth.
How much of this material is produced with relevantly-qualified people?
It’s important to know who you’re taking your advice from.
As Graeme explains elsewhere in this book, so many of us gained our financial knowledge from our parents, or their friends and colleagues. Ask yourself how many of them owned more than one property? How many of them paid down their mortgage quickly? How many of them put the kids through private school? How many of them retired early? How many of them are enjoying a comfortable worry-free retirement?
Or, and in Graeme's long experience, this is a more likely scenario, how many of them have (or had) to rely solely on the state pension from the government, to fund a bleak existence in what should be the comfortable years, the stress-free years, the relaxing years?
Who do you listen to?
Anyone can set themselves up as an expert and write a book, but is it worth the paper it’s written on? More importantly, is it worth your hard-earned dollars to buy a copy?
Graeme Holm has experienced life from extremely poor, humble beginnings and has also experienced first-hand the stress associated with financial failure and borderline poverty, more bills flying in than socks in the drawer and no one to turn to for help.
Graeme has also developed a simple 'not so secret, secret' that seems too good to be true, but isn't. He recognises that one of the big issues in society today is that we, as human beings, are impulsive creatures that love to spend whatever we have direct access to. We choose to experience instant gratification and chase that dopamine effect of NOW, not the long-term beneficial effects of 'later'.
Whatever happened to delayed gratification and earning an outcome?
One of Graeme's favourite quotes is that "People can lie but numbers cannot", so if you can relate to the kind of person that has struggled through adversity, experienced the highs and lows that most people haven't even considered can happen in life, and cuts through the shit and all the white noise and tells it how it is, then Graeme is your new Mortgage and Budgeting Guru.
But, and he apologises in advance, because you can take the 'houso' out of the estate but you can never take the 'houso' out of the person... Graeme will cut through the bullshit within the financial services sector, specifically focusing on mortgage babble and other crap, and explain everything in a clear, simple and easy-to-understand way. But, be warned - there will be plenty of "F**k", "Bullshit" and "arsehole" sprinkled throughout the commentary along the way, and if that offends you, please gift this book to someone else who can handle some harsh reality washed down with a healthy dose of profanity to aid digestion!