Bent Not Broke

  • Ready to reshape your financial future?

    Take our quiz to see how fit your finances are!

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    But first, let us get some details.

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    Ready to Gain Financial Clarity? You're Just 15 Questions Away!

    Complete the form below to start your journey towards clear and confident financial decisions. 

     

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  • Welcome! Let's assess your financial fitness. Which area would you like to explore today?*

  • How Financially Fit Am I?

  • You spend less than you earn?*
  • You have access to cash of at least $1,000 for emergencies?*
  • You know your current living expenses?*
  • You have financial goals for the short, medium and long-term?*
  • Are you consistently saving a portion of your income?*
  • You plan for big expenses (like a new car or holiday)?*
  • You have a debt repayment strategy and you’re sticking with to it?*
  • You know where all your bank and investments are, and their current balances?*
  • You’ve checked your credit report before? Even better- you check it annually?*
  • You know where your superannuation is, the current balance and how its invested?*
  • You are actively monitoring and managing your investments?*
  • You have an emergency fund that covers at least 3-6 months of living expenses?*
  • You understand your insurance – what you’ve got, what you need and it’s right for you (health, car, life insurance etc)?*
  • You have regular (at least quarterly) check ins for your finances-spending, saving and tracking your goals?*
  • Your confident in your financial stability and not stressed about money?*

  • How Healthy Are My Post-Separation Finances?

  • You have sole access to your personal bank accounts?*
  • You have changed passwords on all online financial accounts?*
  • You’re in safe and secure housing that works for your budget?*
  • You’ve created a new budget that reflects your current income and expenses post separation?*
  • You’re monitoring your spending to ensure you spend less than you earn?*
  • You have removed your name from any joint debts or are you on top of any required repayments? (TIP: if your name is on it- you’re still responsible for it!)*
  • You have checked your credit report for any inaccuracies or unfamiliar debts?*
  • You actively save money or have a plan in place to build your savings when you can?*
  • You have revisited your insurance? TIP: Check your health, car, and home insurance plus things like life insurance and income protection is adequate.*
  • You’ve got legal advice and started (or finished) the legal side of things including the division of assets?*
  • You have updated your will and any other estate planning documents post-divorce?*
  • You’ve updated the beneficiaries on your superannuation and insurance policies?*
  • If you have kids, you know what’s what with child support and each parents requirements?*
  • You’ve reviewed and adjusted your long term goals and wealth strategies to align with your new direction?*
  • You’ve got the support around you to set you up for success and rebuild your finances?*

  • Am I Ready to Buy My First Home?

  • Thinking about buying your first home? It's exciting but also a big financial commitment. Take this quick quiz to assess whether you're financially prepared to make this significant step.

  • Regular Savings: Do you have a regular savings plan in place for your deposit?*
  • Income and Expenses: Do you already manage your current income and expenses well?*
  • Mortgage Readiness: Have you spoken to a mortgage broker about your borrowing capacity?*
  • Expense Changes: Do you understand how your expenses will change when moving from renting to owning (e.g. council rates, insurances, maintenance costs)?*
  • Budget Integration: Have you integrated these new expenses into your budget? Still room for fun?*
  • Credit Health: Have you checked your credit report for any inaccuracies that could affect your loan application?*
  • Debt Management: Are you managing any existing debts effectively, ensuring they won't impact your ability to borrow?*
  • Financial Stability: Are you in stable employment, providing the income security needed for loan approval?*
  • Emergency Fund: Do you have an emergency fund with at least 3-6 months based on what your new expenses would be in your own home?*
  • Insurance Coverage: Have you reviewed your insurance needs in light of owning a home, including life and income protection insurance? Make sure the additional debt you are taking on is accounted for*
  • Legal Readiness: Have you researched the legal aspects of buying a property, such as understanding property titles and the role of conveyancing, plus what this will cost you?*
  • Investment Perspective: Do you view your first home as part of your long-term investment strategy? TIP: before you jump into your first purchase- think about what this property may become long term eg: forever home, stepping stone, investment property.*
  • Market Research: Have you researched the property market in your desired area?*
  • Long-term Affordability: Have you planned for potential interest rate rises to ensure long-term affordability of your home loan? TIP: Just because the bank says you can borrow a set amount, doesn’t mean you should! Work out what you are comfortable with. *
  • Support System: Do you have a support system with professional advice to help navigate the home-buying process?*

  • Am I Ready to be a Property Investor?

  • Thinking about purchasing an investment property? It's a significant financial commitment and an exciting step towards building wealth. Take this quick quiz to assess whether you're financially prepared to make this important investment.

  • Are you managing your day-to-day finances well and spending less than you earn? TIP: make sure you have the basics sorted before you jump into investing!*
  • Is this property aligned with your long-term investment strategy?*
  • Have you thoroughly researched the property market in your target investment area? Have you considered areas outside of where you live?*
  • Are you effectively managing any existing debts?*
  • Do you have a deposit ready, or do you have another property you will use the equity in?*
  • Are you aware of the additional expenses associated with owning an investment property (e.g., property management fees, council rates, insurance, maintenance costs)? *
  • Have you incorporated these investment property expenses into your budget while still maintaining a balanced lifestyle?*
  • Do you have an emergency fund that covers at least 3-6 months of expenses, including those extra expenses related to your investment property?*
  • Are you in stable employment or have regular income to help you meet the loan commitments for an investment property?*
  • Have you checked your credit report for any inaccuracies that could affect your investment loan application?*
  • Have you consulted with a mortgage broker to understand your borrowing capacity for an investment property?*
  • Have you crunched the numbers on the costs associated with buying plus the rental income and expenses?*
  • Have you prepared for potential interest rate rises to ensure you can afford the investment long-term?*
  • Have you explored the legal implications of owning an investment property, including conveyancing costs and property rights?*
  • Do you have a network of professionals (financial advisers, real estate experts, Property buyer’s agent) to guide you through the investment process?*
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