Your guide to
downsizing
BY AMANDA IRVIN, RAY WHITE LONG JETTY
include the ability to make a voluntary contribution into your superannuation from the proceeds of selling your home. This can further help set you up for retirement. Visit www.ato.gov.au for more information.
The only constant in life is their homes and then create a plan for all change. While the thought of the next steps. It may be an urgent move, or it may be a 12–month plan or longer. selling your family home and starting a new chapter of your BENEFITS OF DOWNSIZING: life may feel overwhelming, Easier and lower maintenance allows it also creates the opportunity increased independence and a more relaxed lifestyle to take control and enjoy Financial benefits. You might be asset what’s important to you – your rich, but cash poor. Downsizing allows family, your security, and your to tap into the equity locked in All of our delicious soudoughs are madeyou using pure, finances. your home and liquidate this asset natural ingredients from certified organic farms. Our flour
Location and lifestyle change. Selling is milled using a slower, traditional stoneground method your existing home may open up the Downsizing into a smaller and more to avoid overheating and dehydration. This retains opportunity to relocate to a new area manageable home can free you from the nutrients and wheat germ, giving that nutty flavour. as you approach retirement stress and cost of maintenance. It can Our natural starter slowlyyour ferments hours which also alleviate concerns around own over 18 Upgraded amenities that match your allows the doughinto to rise andstage the beneficial lactobacilli safety as you age/move a later changing needs which may include and helps digestion) fully transport, shops and of life.(which Sellingpromotes one homegut andhealth moving access toto public develop. long fermentation thatetc unique to another can beThis daunting. Every day, produces parks soudough flavour that can be obtained way. downsizing sales specialists help singles, no Theother Government offers financial couples and families work out the value of incentives to assist downsizers, which
NOT SURE WHERE TO START? TALK TO YOUR FAMILY Talk to your family about your wishes to sell the family home, so they are part of the process from the start. There’s never an easy time to let go of a family home and it’s normal to have some trepidations. Open communication with other family members can help the decision come more naturally, and generally help achieve a better outcome.
CONSIDER FINANCIAL IMPLICATIONS Downsizing can allow you to liquidise an asset which may help set you up financially as you approach retirement. It’s worth considering including the opportunity to make voluntary contributions into your super (read more at www.ato.gov.au) and whether selling All of our All your home will impact your pension (read natural natura ingre more at moneysmart.gov.au).
is milled is mil us to avoid to UNDERSTAND YOUR PROPERTY’S nutrients nut VALUE Our n Contact a local agent for a property Our natura allowsallow the appraisal. Once you have a better prom understanding of what your current (which(whic property is worth, you can begin develop. deve T planning with family members when soudough sou and how you should take your property
All of our delicious sourdoughs are made using pure, natural ingredients from certified organic farms. Our flour is milled using a slower, traditional stoneground method to avoid overheating and dehydration. This retains nutrients and wheat germ, giving that nutty flavour. Our FREE FROM natural starter slowly ferments over 18 hours which allows • artificial • artificial preservatives • no added yeast preservatives • no animal products • no nuts the dough to rise and the beneficial lactobacilli (which • flavourings and colouring FREE FROM • flavourings and colouring • no added sugar • no chemical herbicides & pesticides promotes gut health and helps digestion) to fully develop. • no added yeast • no added sugar This long fermentation produces that unique sourdough • no animal products • no nuts flavour that can be obtained no other way. • no chemical herbicides & pesticides
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