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What are the alternatives to bankruptcy?.

Those who are struggling with debt often have fears of bankruptcy because of the negative repercussions. This can include social stigma or the loss of assets. Many people are unaware that there are alternatives to bankruptcy that might stop debt from spiralling out of control before it reaches that .....
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How to get a loan with bad credit?.

When real life happens, it often comes with unforeseen financial challenges. A lot of people find difficulties getting their finances back on track, especially after a change in circumstances or financial hardship. In fact, most people who find themselves in financial difficulty find themselves in .....
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How to Refinance Credit Card Debt.

Bottom Line: When you refinance a debt, what you are doing is revising or replacing the terms of your existing credit agreement. This could include changes to interest rates, repayment schedules, and/or other terms decided on in your original contract. Avoid future credit card debt by getting the ri.....
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What is debt consolidation and why should you consider it?.

Unfortunately, debt is rarely simple. If you are in debt, you are likely dealing with numerous creditors with varying interest rates and different payment sums. This will have undoubtedly become worse over COVID, as the government policies providing debt relief would have allowed you to rack up mor.....
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Category: Debt Consolidation

7 Ways to Pay Off Credit Card Debt Faster.

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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Divorce and Finances: What You Need to Know.

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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Should You Help Your Child to Buy a Home?.

The Bank of Mum and Dad became one of Australia's top 10 lenders last year, with more than half of young Aussies seeking financial help from their parents to buy their first home. If you want to help your kids take their first step on the property ladder, there are more ways to do it than just lend.....
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What Are the Alternatives to Payday Loans?.

Bottom Line: Payday loans might seem like a convenient option, but compared to conventional loans, the interest rates can be extremely high - as much as 48% in some cases. When you apply for a loan with another provider or a credit card, the lender will view your credit file and will see that you’ve.....
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How the 50/20/30 Budget Rule Could Help You Save.

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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Budgeting for a Baby: How Much Do You Need?.

Having a baby is an exciting time, but it can also bring stress and worry if you haven't got your finances in check. On average, it's estimated that Australian parents spend around $10,000 in their baby's first year alone, but this can be reduced significantly with good planning. The earlier you pr.....
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