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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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Heading Overseas? You Can't Escape Student Debt
Posted on: 06 July, 2018
For many people, repaying student loans is low on the list of priorities for life. You may have relied on the Higher Education Loan Program (HELP) during your student days, or a Trade Support Loan (TSL) during an apprenticeship, but paying it back is often treated as an optional obligation – especi.....
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Category: Debt Tips
How to Get Approved for a Loan
Posted on: 22 June, 2018
Whether you're applying for a mortgage or a personal loan, you need to have some assurance that your request will be approved. Not only is a loan rejection disappointing and demotivating, it could also make it harder to get approved from other lenders, as the rejection may show up on your credit re.....
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Comprehensive Credit Reporting
Posted on: 07 June, 2018
Are you ready for comprehensive credit reporting? From 1st July 2018, all of Australia's big banks are required to provide more information about their customers' spending and saving habits. This allows lenders to see a more detailed account of your credit history, both positive and negative.
While.....
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Category: Debt Tips
7 Budgeting Tips for New Parents
Posted on: 04 June, 2018
Having a child is a life-changing experience, and that extends to your finances. New estimates from the Australian Institute of Family Studies put the cost of raising a child at $170 per week for a low-income family ($680 per month) when you add up food, clothing, school and other expenses needed f.....
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Australia's Household Debt Hits Record High – and Still Climbing
Posted on: 22 May, 2018
Australia's household debt-to-income ratio now exceeds 200 percent, making it one of the highest in the developed world. This means that the average Australian family owes more than twice as much in debt as it earns from wages and other sources of income.
Total consumer debt is now around $2.47 mil.....
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Is Now the Time to Refinance Your Mortgage?
Posted on: 16 May, 2018
With house prices continuing to drop across Australia and lenders competing to offer the lowest interest rates, now could be a good time to secure a new home loan before the inevitable price hike.
Switching your mortgage could save you thousands of dollars or give you more flexibility, but this is .....
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Category: Debt Tips
New Year's Resolution – Becoming Debt Free
Posted on: 29 January, 2018
For many people, the New Year can be a powerful motivator to make positive changes in their lives – as long as you set realistic targets that you know you can actually stick to.
Resolutions tend to focus on health and lifestyle changes, which is great, but you shouldn't miss the chance to get your f.....
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Category: Debt Management
5 Things that Financially Successful Individuals Do
Posted on: 22 December, 2017
Financial security may seem like something that you can only dream about achieving. However, there are several things that financially successful people do that has allowed them to obtain this goal – and you can get there too by following their advice.
Here are the 5 things that financially success.....
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Category: Debt Tips
How to Save Money this Holiday Season
Posted on: 08 December, 2017
The holiday season is among the more expensive times of the year for many people. After all, you may spend a modest fortune on holiday gifts, seasonal foods, travel, special events and more. With the holidays approaching, you might already be feeling the financial strain associated with these and ot.....
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Category: Debt Tips