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What is debt consolidation and why should you consider it?
Posted on: 29 April, 2021
Unfortunately, debt is rarely simple. If you are in debt, you are likely dealing with numerous creditors with varying interest rates and different payment sums. This will have undoubtedly become worse over COVID, as the government policies providing debt relief would have allowed you to rack up mor.....
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Category: Debt Consolidation
7 Ways to Pay Off Credit Card Debt Faster
Posted on: 25 November, 2019
Are you struggling to pay off one or more credit cards? High interest rates, fees and penalties can sometimes make credit card debt seem never-ending, even if you stop using the card, but there are always options.
Read these 7 tips to help you pay off your plastic and break the debt cycle sooner.
1.....
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Divorce and Finances: What You Need to Know
Posted on: 13 November, 2019
Going through divorce and separation can be a stressful experience, especially if you're worried about how your finances will be affected. Having some idea of what to expect can help you avoid common mistakes and nasty surprises.
While everyone's situation is different, here are some of the basic s.....
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Should You Help Your Child to Buy a Home?
Posted on: 23 September, 2019
The Bank of Mum and Dad became one of Australia's top 10 lenders last year, with more than half of young Aussies seeking financial help from their parents to buy their first home.
If you want to help your kids take their first step on the property ladder, there are more ways to do it than just lend.....
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What Are the Alternatives to Payday Loans?
Posted on: 16 September, 2019
Bottom Line:
Payday loans might seem like a convenient option, but compared to conventional loans, the interest rates can be extremely high - as much as 48% in some cases. When you apply for a loan with another provider or a credit card, the lender will view your credit file and will see that you’ve.....
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How the 50/20/30 Budget Rule Could Help You Save
Posted on: 23 August, 2019
More than 1 in 3 people in Australia live from paycheck to paycheck, according to UBank research. If you feel like there's never any money left at the end of the month, the 50/20/30 budgeting rule could help you to take better control of your finances.
This rule of thumb was popularised by Elizabet.....
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Budgeting for a Baby: How Much Do You Need?
Posted on: 02 August, 2019
Having a baby is an exciting time, but it can also bring stress and worry if you haven't got your finances in check.
On average, it's estimated that Australian parents spend around $10,000 in their baby's first year alone, but this can be reduced significantly with good planning. The earlier you pr.....
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Can I Get a Loan with Bad Credit or No Credit?
Posted on: 17 July, 2019
If you've got a low credit score, or you haven't built any credit, this can limit your options if you need to borrow money.
Improving your credit score will improve your prospects, but this takes time. If you need money more urgently, you can compare non-conforming loans to find the best deal.
What.....
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How to Cancel a Credit Card the Right Way
Posted on: 03 July, 2019
Keeping a credit card active, even if you're not using it, can impact your credit score. But if you want to avoid annual fees, switch to a better deal, get out of debt or your card's been lost or stolen, it's important to make sure you cancel your card properly. Otherwise, you might still be charge.....
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How to Fix a Bad Credit History
Posted on: 19 June, 2019
Are you worried about your credit history? If you've been rejected for loans, missed your monthly payments or had other financial troubles in the past, these could continue to affect you for years down the line.
Understanding how your credit score works and what lenders are looking for is the first.....
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