Being contacted by a debt collector can be stressful. The experience can lead to feelings of guilt, embarrassment, and shame. And it can place your financial future in jeopardy. The good news is, there are laws in Australia that protect consumers from illegal debt practices, and there are many way.....
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Bottom Line: BNLP (Buy Now, Pay Later) apps have skyrocketed in popularity over the years. However, if you already have a problem with spending and difficulty making repayments, then the ease in which you can access a BNLP app could make a bad situation worse. Key Takeaways: Different BNPL (Buy N.....
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Bottom Line: The cost of living in Australia and many other parts of the world has skyrocketed in 2023. Some ways to achieve greater financial stability include calculating your existing income and expenses, comparing your total income and expenses and reducing unnecessary spending. Be as diligent .....
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What Are Some Reasons for Rejection of Loan Application? Applying for loans can be a hard and tedious process that requires a lot of time and perseverance. That’s why when loans get rejected, it can be very frustrating and discouraging. It is important to know and understand the main reasons that lo.....
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Bottom Line: With so many credit card providers, the one you pick can have a dramatic impact on your ability to pay for the things you need and want in life, and your ability to pay off those purchases on time. When shopping for a credit card it is worth considering whether the associated fees you .....
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Bottom Line: Good budgeting is especially important in times when the cost of living continues to go up because it’s easier to get into financial trouble. Although the budget you’re following may have been great before, you need to consider the higher cost of living and recalibrate your budget acco.....
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‘Buy now, Pay Later’ services have become a trendy way for people to pay for goods and services when they do not have the cash up-front, and as an easy alternative to credit cards. But before you decide to use a ‘Buy now, Pay Later’ service, it important to know exactly how it will impact your budg.....
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So, you’ve started going on a few test drives and your dream car is a little over your budget? Perhaps you need a car immediately so that you can accept a job opportunity, maybe you don’t want to pay outright for a car because of an investment opportunity. Whatever the reason, being well researche.....
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Bottom Line: Debt is certainly overwhelming, but it may be comforting to note that you do have options when it comes to debt help. Some steps you could take to get financial help include figuring out what you owe and prioritising your debts. Making a budget, seeing an expert, and deciding on the be.....
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If you’re struggling to keep up with your repayments and you are finding it difficult to pay for your living expenses, a debt management plan might be something you consider. A debt management plan involves a firm arranging a plan for you that you can stick to. A debt management firm can help you .....
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