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New Australian Credit Requirements

New Australian Credit Requirements

Applying for credit cards, loans and mortgages just got a whole lot harder – or easier, depending on how good you are at making repayments. With amended privacy laws, new national credit reporting requirements have increased to allow lenders access to a much more information about a customer’s fina..... Read more

Category: Credit Card Debt

How to Stay on Budget When you’re in Debt

How to Stay on Budget When you’re in Debt

All people should be taught the value of making a monthly personal budget. If handled properly, a good budgeting process can help people achieve their personal financial goals without an over-reliance on consumer debt (personal loans and credit cards). In some circumstances, people who fail to budg..... Read more

Category: Budgeting

Do I Really Need an Emergency Fund? Here are the Benefits

Do I Really Need an Emergency Fund? Here are the Benefits

Roof leaking out of the blue? Car broken down in the middle of a highway? The unfortunate aspect of emergencies is that you never know when they are going to occur. These scenarios may consequently lead to you being hundreds OR even thousands of dollars out of pocket. However, an emergency fund cou..... Read more

Category: Debt Help

How to Get Over Your Debt Hangover!

How to Get Over Your Debt Hangover!

What is a 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 Au..... Read more

Category: Debt Management

The Assets That You Lose in Bankruptcy

The Assets That You Lose in Bankruptcy

Bankruptcy can be an effective debt relief solution, but there are real consequences. During bankruptcy, many of your assets are up for grabs and you can potentially lose everything from cash in your bank account to real estate, cars, and investments. A trustee appointed by the court to administer ..... Read more

Category: Bankruptcy

Personal Debt Agreements Still on the Rise

Personal Debt Agreements Still on the Rise

Overall in Australia, and especially in Western Australia, personal debt agreements are on the rise. Traditional bankruptcies have also increased, but far less so than personal debt agreements. In Western Australia, personal debt agreements have increased nearly 30 percent, while bankruptcies have ..... Read more

Category: Debt Management

Planning and Preparing for Retirement

Planning and Preparing for Retirement

As people head towards their late 50s or early 60s, they may be wondering about when it will be right for them to retire. The benefit of a compulsory superannuation scheme allows individuals to be somewhat prepared for this eventual outcome, whilst there are even cases of people who’ve been plannin..... Read more

Category: Budgeting

The Common Characteristics of Debt-Free People

The Common Characteristics of Debt-Free People

Living a debt-free lifestyle means thinking simply, directly, and sometimes ever-so-slightly out of the box. It means taking on a new manner of thinking, and it means prioritising in a way that changes lives. Those who live a debt-free life share very specific characteristics. It’s no accident peop..... Read more

Category: Debt Tips

Top 5 Saving Tips before the Christmas Season

Top 5 Saving Tips before the Christmas Season

With Christmas fast approaching, is it time to think about how to best spend your money? The holiday ritual of buying presents and consuming copious amounts of food results in huge spending for a lot of Australian households. It’s important to be prepared and not over-stretch yourself, because Chri..... Read more

Category: Budgeting

Student Credit Cards Causing Risk of Bad Credit

Student Credit Cards Causing Risk of Bad Credit

Too Easy to Get a Credit Card? New research has found that almost a quarter of Australians have signed up to a credit card as a teenager. The accessible nature of attaining your own credit card has fuelled warning that without the right education or guidance, this could easily lead to a debt spiral..... Read more

Category: Credit Card Debt