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Paying Off Debt vs. Saving for Emergencies

Paying Off Debt vs. Saving for Emergencies

It is often hard to choose between paying off a debt and saving for emergencies. This brings us to the age old question – “Should I save up or pay off my debts first?” To answer this question, let’s look at the pros of both sides of the argument. In Favour Of Paying Off Debt Paying off debt before ..... Read more

Category: Debt Tips

How To Save Up For A Vacation!

How To Save Up For A Vacation!

Longing to go on vacation but still have debts to pay? Everyone needs and deserves a vacation once in a while to relax, rest and rejuvenate. But sometimes financial stress can make it hard to save up for a vacation and cause you to put it off altogether. But don’t fret! Here are some ways you can sa..... Read more

Category: Debt Tips

4 Main Reasons for Loan Rejections

4 Main Reasons for Loan Rejections

What Are Some Reasons for Rejection of Loan Application? Applying for loans can be a hard and tedious process that requires a lot of time and perseverance. That’s why when loans get rejected, it can be very frustrating and discouraging. It is important to know and understand the main reasons that lo..... Read more

Category: Loans

Rate Hikes Driving Home Loans Arrears

Rate Hikes Driving Home Loans Arrears

Standard & Poor’s, a global ratings agency, have confirmed that recent rate hikes by major banks are a factor which has contributed to the rise of national mortgage arrears. This means that an increasing number of households are falling behind on their mortgage repayments partly due to rising h..... Read more

Category: Mortgage Refinancing

Normalising Debt vs. Living debt Free

Normalising Debt vs. Living debt Free

With Australian Household debt rates rising higher than ever, it’s easy to normalise your debt as everyone begins to think of debt as normal. But normalising debt can lead you to fall into deeper debt, causing a debt-cycle. So instead of taking out another loan to finance your next purchase, follow ..... Read more

Category: Debt Tips

4 Questions to Ask Yourself before Buying a Home

4 Questions to Ask Yourself before Buying a Home

Buying a home is a big step for a lot of individuals, couples and families. However, rising household debt in Australia indicates that many home buyers are jumping into home ownership before they can really afford it. Here are 4 things that you should consider before purchasing a house: Why do a ne..... Read more

Category: Debt Tips

Personal Insolvency Rates Fly High

Personal Insolvency Rates Fly High

Recent data published by The Australian Financial Security Authority, suggests that total personal insolvencies in the March quarter of 2017, saw a 10.8% increase compared to that of last year. The 7,900 new personal insolvencies ranged from all categories including bankruptcies, debt agreements and..... Read more

Category: Loans

4 Types of Debt to Avoid

4 Types of Debt to Avoid

In the course of our lives many of us are often forced to take our some form of loan in order to fund our daily needs. However, this can lead to a pile up of debt that creeps up on you before you even realise it. Here are four types of debt that you should avoid and ways to prevent taking out a loan..... Read more

Category: Debt Management

5 Tips to get over your Debt Hangover!

5 Tips to get over your Debt Hangover!

With Australia now sitting at an all-time household debt high of over $1 trillion, it’s no surprise that the FCA (Financial Counselling Australia) headlined mortgage stress as a top contributor to Australia’s “debt hangover”. The CEO of FCA went on to express that 30% of Australian households are f..... Read more

Category: Debt Management

3 Ways to Immediately Improve Your Savings Habit

3 Ways to Immediately Improve Your Savings Habit

Embracing a saving culture is one of the most important decisions you can ever make in life. Saving enables you to prepare for the unexpected and plan for life after retirement. You need to do everything possible to develop a saving habit. It needs to be something you enjoy doing instead of a burden..... Read more

Category: Budgeting