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Debt Management Tips
Are There Management Strategies to Quickly Reduce Debt?
Posted on: 11 April, 2024
Debt management can be stressful if you have multiple loans to repay and the path to financial freedom seems so far away. This level of uncertainty may cause you to explore ways to speed up the debt repayment process. And while there is nothing inherently wrong with wanting to pay off your debts so.....
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Category: Debt Management
4 Types of Debt to Avoid
Posted on: 26 May, 2022
Bottom Line:
Most people will take a loan out at some point in their life. Large loans that you cannot manage and repay on a monthly basis with your current income can lead to a larger debt and poor credit ratings. You should try to avoid the most expensive type of credit such as short term, high i.....
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Category: Debt Management
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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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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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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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
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