It can also give you a greater return on investment as you are not only making money through capital gains but you are also making money through your monthly positive cash flow.

It can be difficult to purchase a property that is positively geared from the moment you purchase it. More often than not you will have to create a positive cash flow.

Below are the 5 ways you can create positive gearing for your investment properties. For more detailed information on investing in positive cash flow properties sign up for our free Property Investor’s Master Class.

Use Positive Gearing In The First Place

the easiest way to create a positively geared investment is to purchase it that way in the beginning. Do your research and find a property where the rental yield is high enough to cover all of the expenses.

You may only make a small amount per month in positive cash flow to begin with, but at least you won’t be in a negative cash flow situation.

You can then use the below 4 techniques to increase that cash flow even further and create financial freedom for yourself through the passive income the cash flow I’ll give you.

Increase The Income To Create Positive Gearing

If you can increase your income enough then you can create a position where you income will be greater than your expenses.

There are many ways to increase the income of your property
- Do renovations
- Build an extension
- Create dual occupancy
- Rent out the granny flat
- Make the property more desirable to the market
- Get a great real estate agent who can rent it for more
- Lease options
- Decrease the length of time your property is vacant for

Decrease The Expenses To Create Positive Cash Flow

As you decrease the expenses on your property you will require less income in order for the property to produce a positive cash flow.

Some of the ways to decrease your expenses included
- Securing a better interest rate for your mortgage
- Use an interest only loan instead of a principle and interest loan
- Get good tenants so that maintenance is minimized
- Shop around for the best (and most affordable) insurance policy
- Shop around for a cheaper rental manager
- Manage the rental property yourself to avoid fees
- Pay off your mortgage completely
- Subdivide and sell to lower the size of your mortgage
- Get the tenant to pay the utilities (water, electricity etc.)

Sell The Property Using Owner Finance

Another way to create a positive geared investment is to sell your piece of real estate by using owner finance.

Instead of selling your property for all of the money up front the buyer assumes a loan with you. As owner financed loans are generally 1-2% above the market rate, this puts you in a great position to create positive gearing.

For more information on owner finance deals read our post
How to create a positive cash flow using owner finance

Let It Occur Naturally Over Time

Over time two things are likely to occur quite naturally:

a) The rent will increase with time
Due to inflation and increased housing demand your rental income is likely to increase the longer you hold the property. With time this is likely to make your income greater than your expenses

b) Your mortgage payments will become less
If you are paying down your mortgage, or if you are putting money in your offset account with an interest only loan, then your required repayments on your mortgage are likely to become smaller.

If you pay off your mortgage completely then that major cost becomes $0/week and that is a huge expense you no longer have to think about.

As this expense lowers over time you will get closer and closer to producing a positive cash flow.

Making a property positively geared is possible, but it will often take a bit of creative thinking and some hard work in order to achieve a positive cash flow situation. Create enough positive cash flow and you can also create financial freedom for yourself and your family.

In this article we will explain the difference between positive gearing and negative gearing and then at the end we have a quick questionnaire that you can answer to discover which investment strategy is best suited to you.

What Is Positive Gearing?

Positive gearing is an investment strategy where the investment (usually property) generates a higher income than you pay in expenses. This means that you receive money from your investment on a regular basis.

Positive gearing is used to create a passive income, but it is also effective for allowing investors to hold multiple investments without having to pay money to own those investments. This then gives the investor access to capital gains on multiple properties.

What Is Negative Gearing?

Negative gearing is an investment strategy where the investment (usually property) has expenses greater than the income. This means you are required to pay money on a regular basis in order to hold the property.

When negative gearing the goal is almost always to make more money through an increase in value (capital gains) than you lose on the property by paying for its expenses.

The Difference Between Positive Gearing and Negative Gearing

Positive gearing and negative gearing are quite different investment strategies with different goal outcomes.

Negative geared property focuses on making money through capital gains and then accessing that capital gains either through an equity loan or by selling the property. It requires the property to go up in value in order to make money and the end goal is that large lump sum.

Positive geared property focuses instead of cash flow first, but also takes advantage of potential capital gains. Capital gains are used as a way to purchase more property or to get a greater return on investment than the property is already providing. The end goal when positive gearing is to increase your passive income, usually to the point so that the investor doesn’t have to work in order to survive.

The main difference is that a negative geared property loses you money each week while a positive one makes you money each week.

Positive Gearing vs Negative Gearing, Take The Test

We have created a quick 6 question quiz that will give you an idea of which investment strategy may be best suited to you.

1. Are you investing for:
a) a large lump sum
b) smaller amounts on an ongoing basis

2. Do you wish to invest in:
a) high growth areas
b) areas with a high rental yield

3. Your end goal is:
a) to be rich
b) to have financial freedom

4. Do you wish to purchase:
a) just a few investment properties
b) a large amount of investment properties

5. Do you have a:
a) large disposable income where you pay a lot of tax
b) little disposable income and don’t pay much tax

6. Do you want to purchase property:
a) close to where you live
b) anywhere as long as it produces the results you want

If you answered mostly A’s to the questions above then it is likely that negative gearing could be a good investment strategy for you.

If you answered mostly B’s then you may wish to look into positive gearing as an investment strategy to build up your passive income and achieve financial freedom.

So Which Investment Strategy Is Better?

Neither investment strategy is better than the other. They are both very different strategies and the benefits will vary depending on the investor.

You need to decide for yourself which investment strategy you want to pursue and which is most likely to help you achieve your financial goals as quickly as possible.

This generally refers to property investing, where the rental income is greater than the mortgage and all other expenses. This results in a weekly, monthly or yearly income after all expenses have be paid.

What Are The Major Benefits of Positive Gearing?

There are some major benefits to positive gearing your property investments that negative geared investment don’t offer you.

• You make money from day #1
• You can service more loans and purchase more positive geared property
• Your cash flow increases over time as rents increase
• Capital gains are still achievable
• Someone else effectively purchases your investment for you
• It can create an income that you could potentially retire on

What Is The Different Between Positive Gearing and Positive Cash Flow?

Positive gearing refers to property where the income is greater than the expenses before tax refunds are taken into account.

Positive cash flow refers to properties that are actually negatively geared (income is less than the expenses) before tax. However, after tax refunds are taken into account the income becomes greater than the expenses.

All positive geared properties are also positive cash flowed, however not all positive cash flow properties are positively geared.

This is because a positive geared property has an income greater than expenses after tax is taken into account (usually tax is paid on extra income) thus it can also be classified as positive cash flowed.

What Is Negative Gearing?

Negative gearing is an investment strategy where you actually lose money on the investment in the short term (through a loss in cash flow) in order to make money in the long term through an increase in the value of the property (capital gains).

A property is negative geared when the expenses are greater than the income of the property. This means each week, month or year the owner of the property has to pay extra money in order to maintain the property.

Neutral gearing refers to property that is neither positively geared or negatively geared. It breaks even in terms of monthl/yearly cash flow so there is no out of pocket expenses but there is also no “into your pocket” income.

How Do I Know If An Investment Is Positive Geared?

In order to know whether a property is going to be positively geared you need to calculate the total income of the property and subtract the total expenses.

Income generally refers to rental income. Expenses include things like mortgage costs, insurance, rental management fees, maintenance, council rates, water and utilities etc.

A quick way to test whether a property is likely to generate a positive cash flow is to do the quick test.

Take the purchase price and double it, then chop off the last three 0′s. If the rental income equals this amount or higher then the property has a good chance of producing a positive cash flow.

We have an online calculator that can do this calculation for you. Check out our positive gearing calculators.

Is Positive Gearing The Right Investment Strategy For Me?

Answer the questions below to see if positive gearing may be a suitable investment strategy for you.

a) Do you want to create financial freedom for yourself and have regular income coming in whether you work or not?
b) Do you want to minimize your risk and make money from day #1?
c) Are you willing to forego potential high growth capital gains and instead focus on increasing your cash flow?
d) Are you willing to spend time learning this new skill and use your spare time to look for properties instead of watching TV?

If you answered yes to the 4 questions above then it looks like positive gearing could be a good investment strategy for you. But always speak to a professional financial advisor before making any investment decisions.

Want To Learn More About Positive Gearing Your Investment Properties?

If you want to learn more about positive gearing investment property then read the below posts or sign up for our Property Investor’s Master Class

Positive Gearing Your Investment Property – 5 Ways To Make Any Property Positively Geared (coming soon)
Positive Gearing vs Negative Gearing – Which Investment Strategy Is Best For You? (coming soon)

Usually I steer away from answering questions this specific. I believe it is more important for you to learn how to find the answers yourself. At the end of the day, just because a website says somewhere is a good investment doesn’t always mean it will be a good investment for you.

So what are the questions you need to ask when asking “Is X a good place to invest?”

Is the population increasing or decreasing?

When the population is increasing this generally increasing the demand for housing. If supply is not keeping up with demand you get a natural increase in the price of housing. If the population is decreasing then demand for your property may also decrease.

How to: The census (done every five years) gives a pretty accurate representation of population. You can get the most recent figures on Wikipedia. Just search for the town or suburb.

What are the demographics of the area?

What are the age groups of people in the area? What percentage of people own their own home?

The demographics of the area will give you an idea of who your potential renters are and what their desires are. (Eg. If the average income is low they may not want a fancy house, but if the income is high there will be a higher demand for luxurious properties).

How to: Real Estate Investar have a tool that allows you to see not only important information on the town/area but also previous sale prices for this house, and what other houses in the area recently sold for.

What is the crime rate in the area?

I was once looking into a property that I could buy via owner financing with a 0% deposit and 0% interest rate and rent out for a large profit. But it was a small town and had an extremely high crime rate. So high they had banned alcohol consumption in the area.

This isn’t necessarily a bad thing, but it didn’t fit my investment criteria so I decided against it. Analyze what risk you are willing to take.

Where is the government housing in the area?

Buying close to government housing may effect your capital growth or potential rental return. Always find out where this is located and purchase your property appropriately.

How to: Speak to the local council or a real estate agent.

Is there one major employer or diverse employment?

Is the town supported by one major industry or company? Many mining towns exist because of the employment of one mine. If that shuts down then you will lose value in your property.

Take Port Hedland and South Hedland in WA as an example. Prices and rents are completely inflated due to the booming mines. If they were to shut down that could seriously effect property prices.

How to: Check the demographic and major employers. It may even be worth buying stocks in the companies and checking out hoe stable they are.

What changes or developments are happening in the area?

How to : Read the local paper and research (online) what is proposed for the area. Talk to the local council to gain even more information.

Does the area fit in with your investment strategy?

Before asking “Is Moree a good investment?” or any other place for that matter you first need to know your investment strategy.

The answer may be “Yes, it is a good investment…but not for you”. Will this area get you closer to your goals? If so then it I’d likely to be a good investment. If it will take you away from your goals then you may need to look elsewhere.

How to: Know your investment strategy and analyze risk vs return.

So, Is Moree A Good Investment?

That depends entirely on you and what you want for your investments. There is definite potential in the area, but there are also risks. At the end of the day it is the investor who makes the investment good or bad for themselves.

I didn’t give a yes or no answer to this question, but I hope I have provided you with some tools for asking yourself some important questions about any potential future investments.

Want more? Then read this post: How To Research An Area

In this post we want to talk through steps you can take RIGHT NOW to move you towards saving your deposit in just 12 months. We wanted to make it easy to so have created 7 simple and easy to remember steps that can guide you.

Write these steps on a piece of paper (“what is a piece of paper?”) or in your iPhone, Smartphone or iPad and look back on them from time to time to remind yourself of your goal and how you are going to get there.

How can I save my house deposit in 12 months?

Saving your house deposit in 12 months is not going to be easy. But by creating a plan and sticking to the plan you are going to have the best chance for success.

There is a great quote that says

“If you think you can you can,
If you think you can’t you’re probably right”

Saving your deposit relies heavily on believing you can do it and taking massive action towards achieving your goal.

1. Work Out The Price Of The Property You Want

Start by working out the type of property you want, the area you want to live in and the price that property is going to cost you.

It is not good saving $30,000 if your property is going to cost you $1,000,000. You also don’t want to be slaving away to save $200,000 if your property is only going to cost you $300,000.

Remember: You don’t have to buy your dream home first. By starting with a smaller (and maybe less desirable) property you can use the capital gains to upgrade to your dream home. Sometimes buying smaller and upgrading is actually a quicker way to your dream home than just saving your deposit.

So work out in your mind exactly how much you are going to spend.

2. Decide On The Size Of Your Deposit

Many lenders will give you a 95% loan if you have proven savings and a strong employment record. Or you may prefer to produce a 20% deposit and avoid lenders mortgage insurance on the property.

Some lenders will only give you an 80% loan in smaller towns or even less if the property is very specialized and they see it as a risk.

Work out exactly what the size of your deposit is going to be. If you want to buy a $300,000 house and you want your deposit to be 20% then you will need $60,000. If you are buying a $500,000 and want a 10% deposit then you will need $50,000.

Work out exactly what the dollar figure is going to be of your deposit. Make sure to take into account stamp duty and taxes if you will be paying for these in cash.

3. Make It A Priority…Visualize

This step is going to be EXTREMELY important. In order for you to achieve your goal you will need to want it bad enough.

We get what we want in life. If you want something bad enough you will find a way to achieve it. Now you want to create that want for your goal of saving your deposit.

One of the best ways I have found to do this is through visualization.

Close your eyes and imagine living in your home. Imagine walking in from a day at work and putting your keys down. What is the light doing, what does it smell like and how does it feel? Take in those feelings of joy and experience them now.

This will cause your mind to want to experience these feelings more and it will associate your goal of owning your own home with these feelings. Then it will be a priority for you. Because if it isn’t a priority it isn’t going to happen.

4. Break It Down To Monthly/Weekly/Daily Values

You have your deposit goal.

Divide it by 12 to find out how much you need to save per month
Divide it by 52 to find out how much you need to save per year
Divide it by 365 to find out how much you need to save each day

Now you have an achievable figure that you can work towards.

Breaking the figure down let’s you think of ways of how you can achieve that small figure each day or week or monthly. It stops the overwhelm.

5. Save That Money Every Pay Day – Pay Yourself First

As soon as you get paid put the money you need away for your deposit. Make it the first payment you make before rent, before bills and before anything else. This is the principle of paying yourself first.

If you wait until the end of a pay cycle to save whatever is left then you will find there is nothing left.

The goal here is to save what you need immediately and then try to live of the rest. Start getting your mind working and saying “How can I live off this amount?” or “Where can I find more money to live off?”

You don’t have to live of canned beans and spaghetti and never get to enjoy anything while you are saving. You just need to find ways to spend money better (Read our 300 ways to save your deposit fast) and make more money.

6. Work Out How To Live Off The Remainder

As mentioned in the last point we now need to work put how to live off the remainder. This is where you will need to get creative.

How can you stretch your money further? Where can you save money and how can you get the best bang for your buck?

You will be amazed what you can live off if you only try.

Sit down and brainstorm ways to save money and make your money go further and get online to find more ways. Save money on petrol by buying on the cheapest day or walking. Save money by shopping at Aldi instead of Woolworths etc.

7. Increase Your Income

There are two ways you can increase your income
a) Get a pay rise - Expand yourself in your role at work, look for opportunities and create opportunities if they don’t exist already. Then ask for a pay rise. You may even consider moving companies as another company may be willing to pay you more for your expertise.

b) Start a side business – Use your expertise to start a business on the side and earn some extra cash. Maybe you can do some consulting, or you can sell your own products (or old stuff) on eBay for some extra cash.

This extra cash should be used to living off and enjoying life (as you already should be saving the required amount from your pay cheque each week/month). The more you earn the happier you will be to save (because you won’t be living a poverty existence which causes depression).

Extra cash can be used to save more towards your deposit. But personally I would be saving an emergency fund for those unexpected bills. That way it is easy to get in the habit of paying yourself first. But it is completely up to you.

BONUS TIP: Continually ask the question “How can I afford it?”

Instead of saying “I can afford to save my house deposit in 12 months” you need to be asking yourself “How can I save my house deposit in just 12 months?”.

Always be asking “How can I achieve this?”. By saying “I can’t” you are giving your mind permission to stop thinking. By asking “How can I?” you are forcing your mind to think and come up with solutions. These solutions will help you achieve your goal.

It is possible!

Anything is possible if you want it enough and you put your mind to achieving it. You can save your house deposit it 12 months. So set your goal, get your plan ready and pay yourself first!

In this article we are going to cover the benefits of owning just one investment property and how it can significantly boost your wealth. We are also going to discuss how one investment property can be a perfect launch pad for building a huge portfolio of real estate investments that don’t just see you become financially free, but that allow you to live the life of your dreams

The benefits of owning just one investment property:

There are many benefits of owning just one property and I want to outline them for you so it is clear as crystal.

You can own a large investment for a small portion of the cost – You can purchase a large investment for 5-20% of the total cost. This gives you a great amount of leverage and can deliver a greater return on investment.

If you invest $30,000 to buy a $300,000 property then you get all of the gains on the $300,000 property (not just the 10% you put down). Thus if the property increases in value by 10% you would have doubled your money. However, if you put $30,000 into shares and the shares increase by 10% then you would only make $3,000 (not $30,000). One property can help you get a better return on investment if you invest well.

Long term capital gains – By owning a piece of real estate you are going to gain access to long term capital gains. My parents bought their family home for $120,000 back in 1988 and when it sold in 2009 it was worth over $800,000!!!

Those long term capital gains on just one property can set you up for a great retirement. You can sell it to access the equity or borrow against the property and live off the gains.

Rental income that creates cash flow - Generally speaking rent goes up over time, thus sooner or later your property is likely to become positively geared (earning more income than it is costing you in expenses). You then get access to a weekly or monthly influx of cash flow that you can either add to your wage (and live a better life) or invest for your future.

If you buy a positive cash flowed property to begin with then any increase in rental income is going to be the cream on top of the cake.

Security of investment - Property has shown itself to be a very secure investment. You can even get insurance for worst case scenario (losing your house to a fire or flood). How about getting insurance for your shares? If you share price plummets to 0 will your insurance company give you the money to rebuild your portfolio?

Time to focus on making your investment great - If you only one one investment property (not 100) then you have time and head space to focus on making that investment great.

Look for opportunities to increase rental yield and the value of the property. Keep the property up to it’s best standard so you can get the best return on invest and you could even focus on paying down the loan quicker so that it turns positive cash flowed sooner rather than later.

How one investment property can boost your investing career

Yes one investment property can be great, but more often than not if you do well with one property it just makes logical sense to invest in another. Your first property can be a great launch pad for building a huge investment portfolio.

Here are some of the ways that first property will help you build your portfolio:

Experience – This is the biggest blessing of all! Most people don’t invest in property out of fear from lack of experience. Getting that experience on your first property will set you up for success on your next properties.

Capital gains – When your property increases in value you will have access to the equity in that property (the difference between what you owe and what the property is worth). You can use this equity for a deposit on your next property so you don’t have to scrape and save just to buy your next property.

Track record - You will have a track record with the banks and you will have proved to them you can pay your loan on a regular basis. This could help you secure a second loan for a new investment property.

Rental income – If you managed to turn your property into a positive cash flow investment then it is likely that the lenders will count a portion of that rental income towards the serviceability of your loans. This could make it easier for you to secure a loan for another property.

So is it worth having just one investment property?

The answer to that question in most cases will be a resounding yes, if you invest wisely and make the most of your investments.

I recently read about an elderly woman who was completely supported by just 2 properties that she owned. She created dual occupancy in both properties. Lived in one half of one property and gained 3 incomes from the remainder. Enough to live a comfortable lifestyle.

One property may not make you financially free but it will go a long way to increasing your financial status and will give you
a) More disposable income (once it is positive cash flowed).
b) Access to a large sum of money if you need it (held in the equity of the home).

The question should therefore be:
Why should I stop at just one investment?

Positive cash flow property can be a great investment as it increases the investors disposable income and still gives them access to capital gains and tax deductions associated with property.

Many investors retire or become financially free and live off the cash flow their properties provide them.

So, How Does Cash Flow Positive Property Work?

Positive cash flow property is created when the income from the property (usually the rental income) is greater than all of the expenses.

If you are collecting a monthly income of $1,500 from your property an you are paying $700 in mortgage and $600 in other costs (insurance, maintenance etc) then your total income ($1,500) would be greater than your total expenses ($1,300).

This property would be positively cash flowed to the value of $200/month.

What Is The End Goal?

Using the above example the extra $200/month could be used for a variety of purposes.
- To pay off the mortgage
- To buy more property
- To fund your lifestyle
- To be invested in other areas (eg. Shares)

The end goal is usually (but not always) to earn enough passive income from your properties to become financially free and to no longer have to work.

Generally you will need more than one positive cash flow property to become financially free, but even one property that added $100/week to your income would be helpful and make your life better.

How Can I Find Out More

This post only covers the basics of how cash flow positive property works. As you can see it is quite simple and can be a great investment strategy. I would love to direct you to the below resources to help you learn more.

0-130 Properties in 3.5 Years by Steve McKnight - This books teaches you all about positive cash flow property and how to become financially free. The author bought 130 properties in 3.5 years (thus the title) and would be my most recommended book on positive cash flow property. Click here and buy the book on FishPond (Australian online retailer) and save some money on the purchase price.

How To Calculate Positive Cash Flow Property – Read this post that goes into more depth on how you can calculate positive cash flow property.

Sign Up For Our Email Newsletter - Our email newsletter gives quality content on positive cash flow property delivered to your inbox weekly. You also get a free report that will help you find positive cash flow property all over Australia. Sign up now and get your free report.

Try Our Property Calculators – Our property calculators help you to quickly and easily estimate the cash flow of any given property. Try them out now

Everyone is different and every situation is completely different so we cannot offer a straight “yes” or “no” answer to this question. Plus this decision is so important you have to make it yourself.

What I would like to do is firstly pose 5 questions for you, that will help you to analyze your situation and whether you need to choose one or the other, or if you can do both. Then I will offer 5 pieces of advice on choosing property of children.

Ask yourself the following questions:

1. Is Your Relationship With Your Spouse Solid?

I ask this question because their are two things that will put incredible stress on your relationship with your spouse/partner. Financial troubles and children.

A mortgage from a property can definitely cause financial struggles and children will demand a lot of your time and your life will change dramatically.

It is important to assess your relationship and look for ways to strengthen it.

Is you sex life awesome? If not, what can you do to make it awesome? Guys, buy some roses or take her out for dinner, girls by some sexy lingerie or tease you man with texts throughout the day. Your sex life is one of the most important aspects of your relationship and if this goes wrong then everything else will go wrong very quickly.

How is your communication? Can you communicate well to each other and tell each other your feelings? Do fights over small things spiral out of control? Practice active listening and see a psychologist who can teach you how to communicate better if you need to.

Are you aligned in your decision? It can always be hard when one foe you wants something and the other doesn’t. Get aligned in your decisions and if one of you believes strongly about something (or wants something badly) and you don’t care about it then decide to make it a priority so you can be aligned.

2. How Young Are You? Do You Want To Wait?

The harsh reality is that the older you become the harder it is to have children. It is hard because the older you become the more financially stable you become also.

Look at your age and whether you can afford to wait a few years before having kids. There is always to chance that if you choose to buy a property and wait to have kids you may have waited too long. Assess you and your partners age and health and remember it can often take 12 months to get pregnant, it doesn’t usually happen first month.

If you want to wait then that is fine, but if you decide you don’t want to be much older when you have kids it may be time to get cracking in the child department.

3. If You Had To Decide “Should I Buy A House Or Have A Baby?” (and you could only have one) Which One Would You Choose?

If you could only have either a massive property portfolio or children, which would you choose? Remember you can only choose one…you can’t have both.

Answering this question will give you idea of deep down what is most important to you. It strips away to excuse of “not right now” and makes you decide either one or the other.

Now that you can chosen which one you want my question to you would be “why wait?”. Either property or children are going to make you fulfilled, so choose the one that will make you most fulfilled.

4. If Someone Put A Gun To Your Head And Said You Had To Buy A Property And Have A Baby At The Same Time How Would You Do It?

I am a big believer in BOTH/AND instead of EITHER/OR. Above you decided whether property or babies are more important to you (if you could only have one), now let’s have a look at how you can have both.

If you HAD to find a way to purchase a property and have a baby at the same time how would you do it? Maybe you could start a side business, or work part time with your child in daycare to pay the mortgage. Maybe you can start buying rural property for cheaper so at least you are building your portfolio but you can afford it on one income?

How could you make it happen if you had to?

5. How Can You Provide Security For Your Family Without A Property?

It is important to realize that a property doesn’t equal stability for your family. The most stable families are the ones that love each other and look out for each other, not the ones that own a house.

Look at your situation now and work out ways you can ensure security for your family. Maybe you might need to take our some income protection insurance for the bread winner, maybe you need to invest in shares or buy an investment property instead of your home.

How could you make your family secure without a property? Maybe you could do that first and then buy a property to further add to your security.

Some Tips For Making The Decision:

1. Your Capacity Will Expand Once You Have Children

They have done studies on the human brain and they have shown that the adult brain is plastic…that means that it can change and adapt itself. They have proven that the time in an adults life where their brain is most plastic (changes the most) is when they first have a baby.

You brain literally changes itself to adapt to your new life. You capacity will increase once you have children.

Maybe now you couldn’t handle buying a property and having a child, but once your brain rearranges itself after you have a kid you may find a new capacity to invest in property whilst you grow your family.

So don’t be too afraid that you don’t think you can handle it. You will adapt and change so you can handle it.

2. If You Want Both Then Just Make It A Priority

If you want both a baby and a house/investment properties then just make both of those items major priorities in your life. Studies have shown that people tend to get what they make a priority.

If you make it a priority and continue ask the question “how can I have both” then you will find you don’t have to choose between one or the other, you can have both.

3. Financial Freedom Will Rarely Bring True Fulfillment

Being financially free is great, it gives you the freedom to do what you want to do, but financial freedom in and of itself will rarely bring fulfillment. The fulfillment comes in having the time to do what you love with the people you love.

4. Start By Being Grateful For What You Already Have

We live in a materialistic society and it is so easy to continually be wanting more and wanting better. We spend so much time wanting new things that we often forget to be grateful for what we already have.

Start by being grateful for what you already have. For the friends you have, for your finances, for your clothes and your car and everything you can think off.

Being grateful can reduce stress and can give you clear thought to well and truly answer the question about whether you should buy a house or have a baby

5. You Can Never Afford To Have Children, You Just Have Them Anyway

This is a really important thing to learn and it is why I have left it till last.

Let me ask you this:
When driving to work or to a friends house do you wait until every light is green until you leave your driveway?

Of course you don’t! If you did then you would never leave your house.

The fact of the matter is that you will never be able to afford to have children. You will never be financially secure enough and you will never feel confident that you can comfortably afford it.

You need to accept this fact and have kids despite this. Then, somehow, you always seem to find a way to afford it,

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