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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.....
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Category: Debt Management

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.....
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Category: Budgeting

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.....
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Category: Credit Card 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.....
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Category: Budgeting

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.....
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Category: Debt Help

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.....
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Category: Debt Management

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 .....
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Category: Bankruptcy

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 .....
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Category: Debt Management

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.....
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Category: Budgeting

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.....
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Category: Debt Tips