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Should You Help Your Child to Buy a Home?
Posted on: 23 September, 2019
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?
Posted on: 16 September, 2019
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
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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Budgeting for a Baby: How Much Do You Need?
Posted on: 02 August, 2019
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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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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How to Fix a Bad Credit History
Posted on: 19 June, 2019
Are you worried about your credit history? If you've been rejected for loans, missed your monthly payments or had other financial troubles in the past, these could continue to affect you for years down the line.
Understanding how your credit score works and what lenders are looking for is the first.....
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What Happens to Debts After Death?
Posted on: 05 June, 2019
No one likes to think about their own death or that of a loved one, but taking steps to improve your financial situation today could prevent unnecessary stress for your family during a difficult time.
Family members are not usually responsible for paying someone else's debt, unless they are co-borro.....
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Category: Debt Management
Can a Balance Transfer Credit Card Get Me Out of Debt?
Posted on: 20 May, 2019
One in six Australians struggles with credit card debt, according to ASIC figures. People who miss their monthly payments can find themselves trapped in a spiral of debt with exorbitant fees and interest rates often as high as 20%.
If you're burdened by credit card debt, you should compare options .....
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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