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5 Excuses That Keep People in Debt
Posted on: 03 October, 2018
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 getti.....
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'Bank of Mum and Dad' Is Now a Top 10 Lender
Posted on: 17 August, 2018
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 – eno.....
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Category: Loans
Payday Loan Machines Target Australia's Most Vulnerable Communities
Posted on: 03 August, 2018
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 su.....
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Category: Debt Management
Will Getting Married Affect My Debt?
Posted on: 20 July, 2018
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 .....
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Category: Debt Management
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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Category: Credit Card Debt
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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Category: Loans
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: Editorial, Financial Updates, 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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Category: Budgeting
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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Category: Financial Updates