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Personal Debt Management
Can I Escape Debt Overseas?
Posted on: 28 February, 2023
Looking to escape debt overseas? We may be able to help.
To find out more simply click the get started button, fill out your details and type ‘escape overseas’ in the last section for notes as well as a short summary of your story.
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Your answers are completely confidential. We’ll get.....
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Category: Debt Help
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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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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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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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
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
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
Planning and Preparing for Retirement
Posted on: 10 January, 2017
As people head towards their late 50s or early 60s, they may be wondering about when it will be right for them to retire. The benefit of a compulsory superannuation scheme allows individuals to be somewhat prepared for this eventual outcome, whilst there are even cases of people who’ve been plannin.....
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