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7 Tips for a Debt-Free Christmas
Posted on: 17 December, 2018
If you're already struggling with debt, Christmas can be the most stressful time of the year, especially if you feel pressured to buy gifts you can't afford and run up even more debt.
According to the National Retail Association (NRA), Australians spend more than $1 billion a day on Christmas shopp.....
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Category: Debt Tips
How to Cope with Record Household Debt
Posted on: 03 December, 2018
While many developed countries have seen debt levels declining in the decade since the global financial crisis, Australia's personal debt is today among the highest in the world compared to GDP.
According to the latest OECD data for 2016, Australians owe a combined $2 trillion of personal debt, wit.....
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Category: Debt Help, Debt Management
Australia's New Credit Card Restrictions Protect Borrowers from Spiralling Debt
Posted on: 16 November, 2018
If you've heard about the changes to credit card rules that are being introduced this year in Australia, you might be wondering how they apply to you.
The good news is that these reforms are designed to protect consumers by preventing banks, credit card companies and other lenders from using disrep.....
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Don't Let Your Wedding Drive You into Debt
Posted on: 02 November, 2018
Social pressure for 'Instagram perfect' weddings is leading many Australian couples to begin their married lives deep in debt. Overspending on the big day can have consequences many years down the line if you don't plan and budget carefully, especially if you're already struggling to pay off a mort.....
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Category: Debt Management
Should You Buy a Car When You're in Debt?
Posted on: 17 October, 2018
Bottom Line:
If you’re already in debt, adding a car loan to the pile could create problems if it means you might struggle to meet all your monthly payments on time. There’s no question that you should buy a used car rather than a new one. If you would like to use a car loan, then choose the one wi.....
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Category: Debt Management
5 Excuses That Keep People in Debt
Posted on: 03 October, 2018
From mortgages and credit cards to student loans, nearly all Australians are in debt at some time in their lives, but it doesn't have to stay that way.
While there can be many factors keeping you in the red, sometimes a change of attitude and adjusting your priorities can go a long way towards getti.....
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'Bank of Mum and Dad' Is Now a Top 10 Lender
Posted on: 17 August, 2018
Rising house prices and stagnant salaries are causing more Australians to rely on their parents for help when financing their first homes.
A recent study by Digital Finance Analytics found that the 'Bank of Mum and Dad' now finances over $20 billion worth of home loans and deposits nationwide – eno.....
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Payday Loan Machines Target Australia's Most Vulnerable Communities
Posted on: 03 August, 2018
Despite the ongoing controversy around payday loans, lenders are continuing to find new ways to make short-term, high-interest loans more accessible to borrowers in need. Their latest strategy is automatic loan machines popping up in shopping centres in some of New South Wales' most impoverished su.....
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Category: Debt Management
Will Getting Married Affect My Debt?
Posted on: 20 July, 2018
Bottom Line:
There are some exceptions when a husband or wife may find themselves legally responsible for paying off debt taken out by the other party, before or during the marriage. You might be responsible for your partner’s debt if you have a joint account, you act as a guarantor, you open an ac.....
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Category: Debt Management
Do You Really Need a Credit Card?
Posted on: 15 July, 2018
Australians are relying on their plastic more than ever. According to recent figures from JD Power and RBA, credit card use increased by 18% last year and the average credit card debt now stands at $1,990 per person, the highest in two years.
If you're thinking about getting a credit card, it's imp.....
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