Properties On The Central Coast Winning For Capital Growth

The June CoreLogic Hedonic Home Value Index results show Australian property values continue to trend lower in June amidst tight credit conditions and less investment activity.

Lifestyle markets continue to show strong demand though, with capital flowing into holiday home markets and areas popular with retiring baby boomers, which is partly why the Central Coast has out performed the Sydney market.

Whilst other markets have declined over the last 12 months, the Central Coast continues to draw a crowd from first home buyers, investors and the prestige market. Offering a wide variety of property types and budgets, the Central Coast region has continued to perform and attract buyers from other markets.
Combined regional markets across the country have significantly outperformed the metro areas, showing a 7.3% return over the last 12 months.

Should you want more information on the type of properties we purchase for our clients, don’t hesitate to contact me – available 7 days a week.

Why Now Is The Perfect Time To Buy Your First Investment Property

There hasn’t been a better time than now to start looking for your first investment property. Prices are now starting to cool in the once flaming hot market, and there is plenty of opportunities to buy quality assets at great prices. Interest rates are still at record lows and the cooling market is opening up its doors to savvy property investors. As Warren Buffet says, “Be fearful when others are greedy and be greedy when others are fearful.”

If you have been thinking about getting into the property market but you have been sitting on the sidelines waiting for that right moment, then that moment is NOW! If you are market ready, don’t delay any further, as putting off your decision to purchase an investment property could be costing you $1000 a week. For example, if you look at a property for $500,000 and it grows by 10%, then the return in equity is $50,000 per year, or $1000 per week. This is called opportunity cost.

A combination of low interest rates, a more reasonable market, solid rental returns and strong population growth, make for great conditions to be buying up income producing assets. If you are market ready, meaning you qualify for home loan finance, then 2018 will be an ideal time to buy.

Now the majority of people see a cooling market as sign to not invest in property or to sell up. This couldn’t be further than the truth. We want to be buying in a cooling market as this will allow us to purchase property at better prices than in a heated unreasonable market when all assets just keep heading north in value. Prices may decline in the less desirable locations, however if we focus on premium high growth areas, then we will always do well as the demand for those assets will always be there. Long-term we want to focus on high demand markets that will always outstrip the supply of stock.

Now buying property that is median priced, close to city centres and beaches, with strong fundamentals of infrastructure, is important to ensure healthy rental returns and steady capital growth. Buying in blue-chip locations is 80% of the reason why properties grow in value.

Buying your first investment property tips:

1) Education

Buying property is going to be the biggest financial decision of your life. You want to at least make sure you understand the fundamentals of why, what and where you are going to be investing in. We have never lived in a better time to learn with so much access to information. You can now read books and articles, watch YouTube videos and listen to podcasts in the comfort of your own home. And the best part about it is that it is all free!

2) Be Market Ready

Do you qualify for an investment home loan? Develop a relationship with a property investment savvy mortgage broker rather than a bank manager. Brokers tend to have access to a wider range of finance products that can better suit you as an investor. They can also guide you on a strategy that will best suit you as an individual. They say the best time to buy property is when all your finances are in good order and you have pre-approval to go start looking for your next deal.

3)Invest in Quality Assets

Quality assets are properties that are median priced ($400k – $600K), in blue-chip locations. These affordable types of properties are in high demand of full time professional workers and will never go down in value. This is because these types of properties are near where all the jobs are, transport hubs, cafes and restaurants and major shopping centres. This particular market will keep prices moving upwards meaning rents will always rise which is great for investors.

4) Play the Long Game

Always be thinking long-term when it comes to property investing. It’s always a hot topic to predict when the next boom or when the next crash is, but statistics show that property bought in well located areas performed consistently over the course of 10-20 years. There is no right or wrong time to be investing in quality assets that will always be in demand. Prices might flatten or even come back 5-10% but in the long run, quality property will always perform well.

5) Build a Team

No successful property investor has ever achieved financial freedom on their own. Just like in football, the property business is also a team sport. Along with a killer mortgage broker, you also need a conveyancer or solicitor, an accountant, pest and building inspector, valuer, property manager and a trusted property advisor. These team members will ensure you are staying on track with your goals and making the right decisions for your future.

6) Network

Similar to building your team, surround yourself with others who have experienced what you are trying to achieve. Learn from their success but also take note of their mistakes and see what you can do differently so you don’t make the same errors. There are plenty of free seminars, workshops and meet ups you can attend in order for you to meet new people taking control of their financial futures. Total emersion in the property investment world will help you learn faster and give you greater confidence to take that first step.

5 Ways To Generate More Income From Your Investment Property Portfolio

With the banks tightening up on lending, uncertainty in the marketplace and possible interest rate rises, landlords who own investment properties now need to turn into – property entrepreneurs. New methods need to be implemented to help manufacture and force equity in an uncertain market.

Investing in property is gaining in popularity as millennials are able to see the returns that their former generation were able to achieve in the past decade. An abundance of information available to us now through the internet showcasing some of the best property investors in the world, is fuelling our obsession with property investment.

For example, the latest release of ATO data show the number of individuals with the one investment property stands at a record 1.468 million. This is an increase off around 58,000 each tax year. However less than one percent of investors, or 19,198 own six or more property, despite the recent property boom fuelling a buying frenzy.

Building a strategy on how to keep investing rather than stopping at one or two investment properties is paramount. This will ensure you always retain control over your portfolio and are able to keep moving forward on your property investment journey.

The following 10 tactics have been recommended by seasoned investors, developers, valuers and brokers to help boost returns on your investment.

Cosmetic Renovation

Cherie Barber, educator and celebrity renovator of Renovating for Profit, thinks it’s not just about saving money but also about making money too! “People look to renovating these days as a way to build their wealth,” she said.

Most people don’t have $50,000 or $100,000 or $200,000 sitting in the bank but the average person has $1000 or $2000 or $5000. This can cover a small cosmetic renovation of paint, new carpet, installing new window furnishings or call a floor sander in to polish the floor boards.

These renovation strategies can help retain tenants, increase rental income and help boost the overall value of the property.

Granny Flat

Nearly 100 granny flats are being completed each week in Sydney alone, a three-fold growth in five years, according to state government figures.

This could be largely due to the increase in potential rental return once the second dwelling is constructed. Rental returns can range between $200 and $500 per week depending on build quality and location. With a build cost of approximately $120,000, this makes a solid return on investment.

“With jobs and population growth rising, investors looking to build granny flats can be confident of solid rental returns for many years to come,” Matthew Burroughs from DB Homes said.

Refinance Loan

The big four banks, which account for more than 80 percent of the nation’s home loans, are expected to raise rates because of soaring funding costs, according to Citi. This will hurt investors pockets, and it is important to review all home loans at least every 12 months to avoid financial burden on repayments.

Lenders are now offering the best packages for investors with healthy deposits and stable PAYG income. Remember it is easier to negotiate a new rate with a new lender than it is to negotiate with your existing bank. He new lender is usually hungrier for the business, therefore most often offering the best incentive to make the switch.

Tax Depreciation

Depreciation is a decline in value tax deduction for the building structure and plant and equipment assets of any income producing property. This can be claimed by all residential investment property owners each financial year. Maximising depreciation deductions helps reduce an investor’s taxable income.

Every year, thousands of dollars go unclaimed by property investors who are none the wiser. All it usually takes is a qualified quantity surveyor to inspect your home and prepare a report for your accountant. The savings can be bigger than you think.

Keep Saving

A lot of people work very hard to save for their deposit on their first investment property, but once they have purchased one or two properties they sit back and stop saving. The problem is, is that two investment properties is not going to set you up for financial freedom.

If you want to retire on a passive income and not rely on your superannuation, then you need to continue to save towards a multiple property portfolio. Don’t just rely on capital growth to occur on your existing properties, because if they don’t grow then you can’t keep acquiring more assets.

Keep producing income from your job or your business if you are self-employed, and continue to put a significant portion of your savings into income generating assets.

Luxland & Ro-Co’s Planned 28 Unit Apartment Block

Newcastle’s inner-city building spree is spreading to the Brunker Road strip, where property developers are planning more than 300 new apartments across eight projects.

The redevelopments, with a total value of $75 million, are in various stages of planning and construction, led by GWH Build’s four-storey, $8.7 million Centrale apartment block emerging from the ground at 65 Brunker Road, Broadmeadow.

Other development applications before Newcastle City Council include the $23 million, 84-unit Foundry project next door to the Adamstown shopping precinct, an $11 million, 40-unit plan for the Adamstown Motel site, and 40 units worth $10 million next door to Centrale.

Above is an artists impression of Luxland & Ro-Co’s planned 28 unit apartment block at 21 Brunker Road, Broadmeadow.

The Next Residential Boom For NSW

The next residential boom for NSW lies in the Hunter Valley, mid north coast and the central coast, as employment in these areas accelerates, the NSW 2018-19 budget shows.

The value of residential building approvals in regional NSW is at a record high of over $4.5 billion over the last year. The Hunter Valley, central coast and Richmond Tweed account for 38.8% of demand.

In more concentrated regional areas such as Newcastle, residential approvals have also boomed and are up 57% over the past three years.

Employment growth in regional areas have risen 2.4 per cent a year rising from the long-term average of 1.5 per cent a year, in the past three years while they continue to absorb new migrants from Sydney seeking cheaper housing.

For more information, don’t hesitate to contact me – available 7 days a week.

What Is Your Property ‘Astrology’ Sign?

Just like astrology (if you read into it) we are all compatible with someone from the same or a different star/moon/sun sign. Now I look at this stuff from time to time, don’t understand half of it, look for the stuff that makes me feel good and then press on with my life forgetting about what I read 15 minutes earlier. I know you’re thinking the same thing!

The one thing that is very relatable with all of that stuff is that it can be applied to many aspects of our life – what suits ME best? And today, like any other day I am going to compare it to property investing and help you figure out where your stars align for you.

Investing into an already existing property has many advantages for all first time and seasoned property investors. Why? Because it’s the oldest method in the book, and has been proven to work for decades here in this country. Buy, hold, re-invest the equity and repeat. Now there are a lot of people that have not entered the property market within the Millennial generation and at times can unfortunately fall into the trap of buying ‘off the plan’ because it’s new, glamorous and full of bragging rights. Well think again amigo, it’s affordable (within an unaffordable market) for a reason – there is a LOWER demand for it. Not saying you will not make money, but for someone starting off, you need a solid equity producing asset at the start that is going to do the heavy lifting for you to further leverage into more income producing assets.

If you are making a sh*tload of money and don’t want to pay the government almost half of what you are making – then ‘off the plan’ and ‘land house packages’ are the one for you! Now not all of us fall into that category at the beginning because not everyone is making $180K per year to fall into the highest tax paying category. The benefits here are tax depreciation, and for those who are confused about it all like I was some years ago, you can claim up to 20-25 years worth of depreciation (which will vary year by year) – this is quite beneficial to people who own there own businesses as well – reducing what you pay in tax is always a good thing. There is a stronger rental yield most of the time as well, dependant on where you build and for what price. It is all relevant to the city you build in.

Now this is just a beginners guide for those who are still chipping away at saving up for their first property. It is very basic advice and something that if you want to discuss more with me I am happy to talk over the phone, email, in person or whatever else you prefer 7 days a week. Start with basic knowledge and understanding of what is going to suit you FIRST before you follow your mate from down the road… You are not missing out on anything now while still searching to get into the market, you will be missing out when you make the wrong purchase for yourself and don’t see the returns or achieve the goals you anticipated to achieve because of poor decision making.

Contact me anytime, available 7 days a week – 0438 836 248 //

The Importance of Property Investments for Millennials

If I cannot even afford to pay rent how am I supposed to think about saving for an investment property?
For most millennials – many are unable to recognise the importance of having a financial safety net. Whether it is in the form of shares, a considerable cushion in the bank to fall back on or as an investment property, millennials tend to fight to anticipate future financial struggles – getting lost with living in the moment.

The dream of being financially free lies in the hearts of most millennials. Sipping pina coladas on a tropical beach for the rest of their lives is the only thing that comes to mind. It’s not motivating these individuals that cause conflict, it is the inability to foresee how they are going to build their wealth that stops most millennials from setting financial goals in the first place.

So with future financial struggles not being anticipated and financial freedom so far out of sight, how are millennials expected to adopt a mindset that encompasses the importance of saving to create financial investments?

Like me, many individuals around their mid-20s earn a wage. Working a job they’re not interested in, 10 hours a day five days a week, just to get by. More than 50% of their pay will go into their rent and the rest goes into groceries, entertainment, transport or potentially even paying off their first car – anything left goes to keeping their partner at bay.

Realistically, they might have a couple of hundred dollars a week spare that they can save. All of a sudden, their new car needs four new tyres and that six month Europe trip they have been saving for, for the last year becomes a little more out of reach. (That’s where all my money goes)

So, how can we even begin to rationalise saving for our first investment property?

Post finishing high school, my parents encouraged me not to take time off – allowing me to get ahead of the pack and to go straight to university. Having chosen a business degree, I landed a retail job on the side – finding a passion in selling vintage clothing. Working my way up over the course of 3 years to be offered a partnering position as a vintage clothing wholesaler, I was still struggling to even buy groceries after paying my rent. Although the hours were almost illegally long and the pay was not financially viable, I used the opportunities of working on the front line of one of Sydney’s biggest vintage clothing wholesalers to start an online retail store.

The ability to recognise the opportunities available and the willingness to make sacrifices educated me to always anticipate future financial struggles.

When I was 12 years old, I would always say to my parents that I could not see myself living past the age of 22. Now, at 23 years old I still struggle to see myself at the age of 50. It is this mentality and the desire to solely live and spend in the moment that is hindering our generations from really building a mindset that focuses on the importance of saving to acquire financial investments.

A true story – Two individuals have worked on the same construction site for the past four years. Both share a very similar income and both are 25 years old. The first is a crane driver. He has just put down the deposit for his 3rd investment property. Combined, his properties are valued at $1.1 million and generate $1,350 in rental income p/w – he still lives at home with his parents. The second, a project manager, has just finished saving and has put down a deposit on his first home worth $1.2 million which he is going to move into as his principal place of residence. Which one is better off?

“The most important word in the world of money is cash flow. The second most important word is leverage.” – Rich Dad, Poor Dad (Robert T. Kiyosaki)
“The home you live in is not an asset it is a liability. An asset is something you invest in that generates income” – Zah Azmi, CEO – Luxland Investments

Do millennials share a mindset that property in Sydney is so expensive and out of sight that why bother even trying to save? Why not wait for our parents to pass and inherit as much as we can? Is that the only way we will own a property in Australia’s major capital cities? With the median house price in Sydney reaching $1.1million at the end of 2016, (Domain) it’s not hard to understand how this mentality originated.


Financial literacy is not taught in school. Therefore, the importance of acquiring the financial security or finding the right median to do so is often a struggle for millennials. They like fast cash and get caught up in the trends. By investing in property it’s not a way to get rich quick, it’s a way to get rich guaranteed. – Luxland Investments.

Forget Bitcoins! There will always be someone who challenges what you believe. They will say that the property market will eventually crash and you will lose on your initial investment. Humans will always need food, water and shelter.

“You can’t live under a bitcoin.” – Marc Fattore, General Manager – Luxland Investments

Trends will come and go, but no investment offers the guaranteed successes and financial security like real estate. It’s not timing the market, it’s time in the market.

Build a Specific, Measurable, Attainable, Relevant and Time-bound plan! (SMART) – you don’t want to be eating two-minute noodles for the next ten years.

Is Property Investing Even For Me?

Everyone is talking about where, what and when to invest into property – how many are executing? That is another question entirely…

I’m not one to say that I execute on a yearly basis, but am I on the hunt and doing my research daily? YES.

My situation is a little different to others around me, so I am on the sidelines for a little while longer, but this is the time to make sure I know 100% what my next investment is going to be, where it will be, what it will feature and how I am going to execute the purchase as well as what I am going to do with it next.

One thing we need to remember in a market so hot is no matter what Joe Blow next to us is doing, we need to stay in our own lane and invest in the product that is right for US.

In recent times, I have seen first-time developers with no experience ever, almost have their dreams crushed because of jumping the gun – just because a lot of people are doing it, doesn’t mean it’s for you just yet, CALCULATE YOUR RISK FIRST!

With that said, I am not saying you can not achieve anything you want in life or investing, but recognise your strengths and play to them. Start from the bottom and work your way up without getting frustrated that you haven’t made your first million dollars in the first five minutes of being involved in the property game…

Moving on, you might now ask yourself – what property investment strategy is right for me? And the beauty with it all is that there is no right or wrong answer, it purely comes down to what you desire and what your goals are for the next 10 years to come.

For me, I have done well with a Sydney based property purchased back in 2011 which has grown well to help me leverage further into the market.

Taking on another capital growing investment may not be my best option as today’s economy demands a lot more from me financially then what it did back in 2011 – so moving forward I am opting for a property with a more immediate cash flow via rental returns.

It may only be a few extra dollars in my pocket per week after all expenses paid for, but it’s what is going to help me NOW to leverage further into the property investment space again in the next year.

I am working with a flexible strategy that works with me at the time when there is still slight uncertainty on where everything is heading. I am not planning in months or years, but in decades and putting the picture together of where I will be in another 10 years time from this year onwards.

Investing in property has changed so much over the last decade which is why it is such an exciting time to be apart of it all. There are more strategies than ever where investors are making quicker returns by planning smarter and developers are making well over 25% returns on their projects in certain areas. People that have come from nothing, are thinking past the old-school method of ‘buy and hold’ to make incredible financial gains, it’s just beautiful to watch!

Listen to your intuition first, but don’t make a move until you have calculated your ‘risk vs. reward’ first – In the property business, everybody has a story, but there’s really only truth in numbers.

“YOU’RE FIRED!” How Sacked Employee Built His $10M Property Portfolio

Luxland CEO, Zah Azmi, shows others how to build impressive property portfolios.

Zah Azmi was just 25 when he bought his first investment property with a $70,000 deposit he saved up working in sports supplement stores, night clubs and gyms, where he worked up to 90 hours a week. He could have bought something earlier but he wanted to wait till he had a decent deposit for a higher valued property, while his peers were investing in cheaper investment grade stock. “I figured that if I played in a bigger space, which seemed bigger at the time, I would get a better return”, he says. That philosophy stays true till this day as he is about to embark on developing a 40 unit apartment block with two business partners in Newcastle.

From that first property – $340,000 house on the NSW Central Coast – the now 33 year old has built up a portfolio of eight properties which include residential, commercial and development sites.

Zah Azmi (pictured with wife, Jade) outside his first property purchase on the Central Coast.

Mr Azmi, who grew up on the Central Coast, moved to Sydney at the age of 21. “I made the move to Sydney to seek employment as I was fired from nearly every job I had on the Central Coast. I worked at nearly every restaurant and bar in the area and got fired from pretty much all of them. I was very strong minded and refused to play the game of politics with others who had the employee mindset. I was entrepreneurial very young and it worked against me at times.”

“I always knew I was going to end up in property. I’ve always had a passion for it. When I was saving for my first deposit, I would hang out at newsagents and bookshops reading property magazines and books. To save money, I would read everything at the stores instead of buying anything. I would spend hours researching and analysing how other successful property tycoons made their millions.

After submitting multiple applications with banks in 2008 post GFC, he found it hard to get a loan approved. This didn’t stop Mr Azmi from finding a solution, as he engaged a mortgage broker, a family friend, to help plead his case with the banks. Eventually he was approved and went on to purchase a four bedroom Central Coast house, which has today almost tripled in value, allowing him to leverage himself into more properties and other business ventures.

“I was lucky I grew up in an area that was up and coming. Usually we are told not to invest where we grew up, but it just so happened that the Central Coast benefited from the ripple effect from the Sydney boom,” he said. “I still wouldn’t live in any of my properties, as I love living in Sydney and the income they produce is too good to give up. I focus on properties on the Central Coast and Newcastle regions which range in affordable price points of between $400-600k.”

Zah Azmi owns property on the Central Coast and in Newcastle which range from $400-600K.

Mr Azmi admits half of his portfolio is through the help of joint venture partners, however he says he would rather take part in something large scale than to own and run smaller projects on his own. He says, “Building a team of people who are on the same path as you is key. It is important to realise that you cannot do everything on your own.”

He believes there is a lack of motivation among the millennial generation to invest in property. Because the median house price in Sydney has reached an all-time high of $1.2 million, many view home ownership as out of reach and near impossible.

“You’ve got to educate yourself on other property markets that are in more affordable areas. Pay for the advice if you have to, just start the planning process. Focus on solutions, rather than dwelling on our housing affordability issues,” he said.

To complete larger developments, Zah Azmi engages help from joint venture partners.

He states that the older generation also had their hurdles and roadblocks when buying property. “In the past wages were lower, interest rates were higher and information was not as accessible,” he said. “Buying property will always be a struggle, and it’s just the cards we have been dealt in today’s marketplace.”

Even though Mr Azmi has worked hard and faced many adversities along his property investing journey, many have showed negativity and disapproval to his accumulation of wealth. “We live in a country with the greatest population of tall poppy syndrome. Many are jealous or disgruntled as they cannot get into the market themselves. They criticise and judge my every move, trying to tear me down whenever and wherever they can to make themselves feel better. I do this for myself and others who want to take positivity and motivation away from hearing my story. I want to help as many people as possible grow their own futures,” Mr Azmi said.

He also states that he has turned ordinary working class Australians into property entrepreneurs, teaching those involved that property investing is a business rather than a “set and forget” strategy. “Making money from day one as well as enjoying year on year growth is our goal. We are in the business of making money as quickly as possible through a smart property investing formula.,” he says.

Zah Azmi helps ordinary Australians turn into property entrepreneurs.

Mr Azmi said that it is absolutely critical that the correct asset is selected. “We are reaching a point of a possible correction in the market, therefore we need to ensure that our investment can weather any storm lying ahead. If you have bought the wrong property in the last couple of years then you may be in for a rough ride. Buying the right asset from the beginning will help safe-guard you from any market turbulence potentially looming.”

He said that he always keeps sufficient buffers in place to ensure extra funding is available if needed. “It’s about having a plan in place for all types of scenarios to help minimise your risk,” he says. “Landlord insurance is also a must to ensure any potential long vacancy periods are covered.”

He currently runs his own property development and investment firm that helps others grow wealth through property entrepreneurship. He also has shares in many other businesses in various industries that provide him with great networking power to spread his message across many channels. He has come a long way since his working days on the Central Coast. Now Mr. Azmi does the hiring and firing!

Zah Azmi says surrounding yourself with like-minded people will help drive you harder to achieve your goals.

Stop Comparing Yourself To Others

With social media taking over our lives, it is easy to get caught up in competing with others who are where you desire to be in life. “Keeping up with the Jones’s” is a common phrase used to describe people who constantly strive to have what others have or to be like someone else. It can be a toxic condition that can cause anxiety and depression when unrealistic goals cannot be achieved. Worrying about what everyone else is doing can take major focus away from your individual goals and the bigger picture. Too many people get caught up in everyone else’s lives and they forget about themselves. In business, sometimes we focus on our competition so much, that we lose clarity on our original purpose. We need to stop these comparisons as they are actually achieving nothing and have no effect on our competition.

When I first started in business, I was always worried about my competition and what they were up to. I would follow their every move and try to be just like them. I think it may have helped to be like this during the start-up phase, by taking inspiration and motivation away from them. However, as time went on, I started to look cheap and people would brand me as the copy-cat or as a follower. It was evident my work was being replicated to look as close to the competition as possible. This method was okay for the short term, but for the long term I did not create my own identity. This was the only way I knew how to keep up as I was new in business. I became so obsessed with my competition that I forgot about myself. As soon as I realised this, I switched my focus towards my own goals and purpose. My business started to take off and I didn’t even notice what my competitors were doing as I was too busy concentrating on my own work.

Of course it is important to know and understand your market well and others competing in your space, however limiting your time on this is paramount. We just don’t need to worry about their weekly sales figures, new ambassadors they have on board, who their staff are or what their plans are for a rebrand. Your energy needs to be spent on yourself and your business, and working on innovation and productivity. Focus on the solution your product or service brings to your consumers’ problem. Spend more time listening to your customers and clients over your competition. This will lead you to perfect what you do for your market and your market only. Concentrate on your existing customer base and show how much you love them.

>A common mistake potential property investors make is they compare themselves to other investors. They often read inflated success stories that have had a big public relations push through relative media outlets. It can sometimes feel depressing when you are reading about someone who has accumulated “50 properties in 50 months” when you still haven’t even got your foot in the door to the market. This can prompt you to feel envious, frustrated and impatient about your situation. We all have individual financial goals and it is important to remember that comparing yourself to others rarely achieves anything. Everyone’s situation is different, from financial backing to location to investment strategy. You will never know the sacrifices others had to make to get where they are, and it is all irrelevant anyway. You only need to know the sacrifices you have to make, which is the best place to focus your energy.

People usually start browsing through their Instagram or Facebook when they don’t feel their best. It is at these times when it seems like everyone else’s life looks so much better than yours. This can cause severe anxiety and depression and it is important to double down on your own work to stay focused on your goals. The only way to do this, is to forget about what others are doing, and set small goals for yourself to get you through your tasks. The progression you make will empower yourself to feel happier and more fulfilled.

The only other person to compare yourself with is yourself. Did you do a better job than yesterday? Are you making progress in your weight loss journey? Did you learn something new today? Did you spend any time on personal development today? Are you reaching your short term goals? Every day should be an improvement on yesterday. Don’t lose focus just because you see others progressing. Instead of feeling jealous and frustrated, take inspiration and motivation away from other’s successes. Most importantly, always remember your greatest competition is YOURSELF.