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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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What Happens to Debts After Death?
Posted on: 05 June, 2019
No one likes to think about their own death or that of a loved one, but taking steps to improve your financial situation today could prevent unnecessary stress for your family during a difficult time.
Family members are not usually responsible for paying someone else's debt, unless they are co-borro.....
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Category: Debt Management
Can a Balance Transfer Credit Card Get Me Out of Debt?
Posted on: 20 May, 2019
One in six Australians struggles with credit card debt, according to ASIC figures. People who miss their monthly payments can find themselves trapped in a spiral of debt with exorbitant fees and interest rates often as high as 20%.
If you're burdened by credit card debt, you should compare options .....
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Am I Responsible for Someone Else's Debt?
Posted on: 22 April, 2019
Bottom Line:
Many people worry of being liable for their partner’s debt. This is not the case, but there can be certain situations where you agree to share or take on the financial responsibility. The best thing to do if this happens is to think carefully and talk to a financial adviser before taki.....
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Category: Debt Management
Should I Take Out a Loan to Pay Off My Credit Card?
Posted on: 08 April, 2019
Australians owe around $45 billion in total credit card debt. Many people are trapped in a vicious cycle of debt with cards charging interest as high as 20%.
If you're struggling under the weight of debt, paying off your credit card with a personal loan at lower interest could leave you better off, .....
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Will Bankruptcy Clear All My Debts?
Posted on: 20 March, 2019
Bottom Line:
Bankruptcy may seem like an attractive solution if you’re trapped under a mountain of debt that you can’t repay. It might be the right option in some circumstances but it is not the only option. You should be aware of other personal insolvency solutions such as a Debt Agreement or Pers.....
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Good Debt vs. Bad Debt: What Type Do You Have?
Posted on: 06 March, 2019
No one likes to be in debt, but debt is a necessary fact of life for most Australians. Whether you're buying a home, going to university or starting a business, loans are often the only way to access the urgent finance you need to move forward in life.
On the other hand, some types of debt can be l.....
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Category: Debt Management
Credit Card vs. Personal Loan: Which Is More Affordable?
Posted on: 26 February, 2019
Bottom Line:
Credit card use has increased by 46% over the past decade, while personal loans lag behind at just 17%, despite their lower costs overall. Personal loans are generally the better option for large or long-term expenses and they can have other advantages too. You should avoid using credi.....
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Category: Debt Management
Do You Have These Bad Credit Card Habits?
Posted on: 12 February, 2019
Most Aussies use their credit cards unwisely, according to a recent survey of 1,000 credit card holders by Members Equity Bank.
70% of people admitted to at least 3 out of 7 common bad habits that can lead to expensive charges, higher interest rates and spiralling credit card debt. For Millennials .....
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Category: Debt Management
How to Avoid 'Debt Lag' when Travelling Abroad
Posted on: 23 January, 2019
For many Australians, a relaxing holiday is followed up by stressful debt repayments when they arrive back home, as they struggle to pay off the loans and credit cards used to fund their trips away.
If you don't want your holiday spending to spoil the rest of your year, following these 5 tips could.....
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Category: Debt Help