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Good Debt vs. Bad Debt: What Type Do You Have?

Good Debt vs. Bad Debt: What Type Do You Have?

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?

Credit Card vs. Personal Loan: Which Is More Affordable?

Whether it's paying for a holiday or Christmas gifts, Aussies are prone to reach for their credit cards when they need some extra cash. According to data from the Reserve Bank of Australia and Finder.com.au, the nation spent a total of $29.7 billion on credit cards in December 2018 alone, or $1,863.....
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Category: Budgeting, Debt Management

Do You Have These Bad Credit Card Habits?

Do You Have These Bad Credit Card Habits?

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: Credit Card Debt, Debt Management

How to Avoid 'Debt Lag' when Travelling Abroad

How to Avoid 'Debt Lag' when Travelling Abroad

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: Budgeting, Debt Help

7 Common Mortgage Mistakes to Avoid

7 Common Mortgage Mistakes to Avoid

The downturn in Australia's housing market is causing uncertainty for many first-time buyers and existing homeowners. Whether you're entering the property market for the first time or struggling to keep on top of your mortgage, learning from other homeowners' mistakes could mean you avoid making the.....
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Category: Mortgage Refinancing

7 Tips for a Debt-Free Christmas

7 Tips for a Debt-Free Christmas

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

How to Cope with Record Household Debt

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

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

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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Category: Credit Card Debt

Don't Let Your Wedding Drive You into Debt

Don't Let Your Wedding Drive You into 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 mort.....
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Category: Debt Management

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

Should You Buy a Car When You're 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 .....
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Category: Debt Management