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Credit Card vs. Personal Loan: Which Is More Affordable?
Posted on: 26 February, 2019
Bottom Line:
Credit card use has increased by 46% over the past decade, while personal loans lag behind at just 17%, despite their lower costs overall. Personal loans are generally the better option for large or long-term expenses and they can have other advantages too. You should avoid using credi.....
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Category: Debt Management
Do You Have These Bad Credit Card Habits?
Posted on: 12 February, 2019
Most Aussies use their credit cards unwisely, according to a recent survey of 1,000 credit card holders by Members Equity Bank.
70% of people admitted to at least 3 out of 7 common bad habits that can lead to expensive charges, higher interest rates and spiralling credit card debt. For Millennials .....
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Category: Debt Management
How to Avoid 'Debt Lag' when Travelling Abroad
Posted on: 23 January, 2019
For many Australians, a relaxing holiday is followed up by stressful debt repayments when they arrive back home, as they struggle to pay off the loans and credit cards used to fund their trips away.
If you don't want your holiday spending to spoil the rest of your year, following these 5 tips could.....
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Category: Debt Help
7 Common Mortgage Mistakes to Avoid
Posted on: 09 January, 2019
The downturn in Australia's housing market is causing uncertainty for many first-time buyers and existing homeowners.
Whether you're entering the property market for the first time or struggling to keep on top of your mortgage, learning from other homeowners' mistakes could mean you avoid making the.....
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7 Tips for a Debt-Free Christmas
Posted on: 17 December, 2018
If you're already struggling with debt, Christmas can be the most stressful time of the year, especially if you feel pressured to buy gifts you can't afford and run up even more debt.
According to the National Retail Association (NRA), Australians spend more than $1 billion a day on Christmas shopp.....
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Category: Debt Tips
How to Cope with Record Household Debt
Posted on: 03 December, 2018
While many developed countries have seen debt levels declining in the decade since the global financial crisis, Australia's personal debt is today among the highest in the world compared to GDP.
According to the latest OECD data for 2016, Australians owe a combined $2 trillion of personal debt, wit.....
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Category: Debt Help, Debt Management
Australia's New Credit Card Restrictions Protect Borrowers from Spiralling Debt
Posted on: 16 November, 2018
If you've heard about the changes to credit card rules that are being introduced this year in Australia, you might be wondering how they apply to you.
The good news is that these reforms are designed to protect consumers by preventing banks, credit card companies and other lenders from using disrep.....
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Don't Let Your Wedding Drive You into Debt
Posted on: 02 November, 2018
Social pressure for 'Instagram perfect' weddings is leading many Australian couples to begin their married lives deep in debt. Overspending on the big day can have consequences many years down the line if you don't plan and budget carefully, especially if you're already struggling to pay off a mort.....
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Category: Debt Management
Should You Buy a Car When You're in Debt?
Posted on: 17 October, 2018
Bottom Line:
If you’re already in debt, adding a car loan to the pile could create problems if it means you might struggle to meet all your monthly payments on time. There’s no question that you should buy a used car rather than a new one. If you would like to use a car loan, then choose the one wi.....
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Category: Debt Management
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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