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Australia's New Credit Card Restrictions Protect Borrowers from Spiralling Debt

credit card restrictions protects borrowers

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... Continue reading

Tags:  Credit Card Debt,  Debt Advice,  Debt Management Tips

Don't Let Your Wedding Drive You into Debt

managing wedding debt

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 mortg... Continue reading

Tags:  Debt Advice,  Debt Management Tips,  Family Budgeting

Should You Buy a Car When You're in Debt?

should you buy a car in debt?

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. But sometimes, there's no avoiding it. Here are questions to ask yourself and steps you should take before making the big decision. Do you really... Continue reading

Tags:  Bad Debt,  Car Loan,  Debt Stress

5 Excuses That Keep People in Debt

excuses that keep people in debt

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 gett... Continue reading

Tags:  Bad Debt,  Debt Management Tips,  Debt Relief,  Debt Stress

'Bank of Mum and Dad' Is Now a Top 10 Lender

parents lending money

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 &ndas... Continue reading

Tags:  Home Loan

Payday Loan Machines Target Australia's Most Vulnerable Communities

payday loans

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 sub... Continue reading

Tags:  Debt Advice,  Debt Stress,  Loans

Will Getting Married Affect My Debt?

What happens to my debt after getting married?

Marriage can affect your finances beyond wedding expenses, but tying the knot doesn't mean you automatically share responsibility for your spouse's past debt. You may decide to help each other out to pay off outstanding loans and credit cards, but in most cases, credit applied for by an individual ... Continue reading

Tags:  Debt Advice,  Debt Management Tips,  Personal Debt Management

Heading Overseas? You Can't Escape Student Debt

heading overseas does not mean escaping student debt

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 – e... Continue reading

Tags:  Debt Relief

How to Get Approved for a Loan

How to Get Approved for a Loan

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 rep... Continue reading

Tags:  Car Loan,  Loans,  Personal Loan

Do You Really Need a Credit Card?

Do You Really Need a Credit Card?

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... Continue reading

Tags:  Credit Card Debt

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