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Debt Management
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
Payday Loan Machines Target Australia's Most Vulnerable Communities
Posted on: 03 August, 2018
Despite the ongoing controversy around payday loans, lenders are continuing to find new ways to make short-term, high-interest loans more accessible to borrowers in need. Their latest strategy is automatic loan machines popping up in shopping centres in some of New South Wales' most impoverished su.....
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Category: Debt Management
Will Getting Married Affect My Debt?
Posted on: 20 July, 2018
Bottom Line:
There are some exceptions when a husband or wife may find themselves legally responsible for paying off debt taken out by the other party, before or during the marriage. You might be responsible for your partner’s debt if you have a joint account, you act as a guarantor, you open an ac.....
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Category: Debt Management
New Year's Resolution – Becoming Debt Free
Posted on: 29 January, 2018
For many people, the New Year can be a powerful motivator to make positive changes in their lives – as long as you set realistic targets that you know you can actually stick to.
Resolutions tend to focus on health and lifestyle changes, which is great, but you shouldn't miss the chance to get your f.....
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Category: Debt Management
5 Tips to get over your Debt Hangover!
Posted on: 12 May, 2017
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
How to Get Over Your Debt Hangover!
Posted on: 28 February, 2017
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
Personal Debt Agreements Still on the Rise
Posted on: 31 January, 2017
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
Top 5 Apps to Help Control Your Personal Finances
Posted on: 16 November, 2016
Have you ever wondered how much of your money goes to paying off bills? Or how much disposable income you can afford to spend without affecting your day-to-day living expenses?
Organising your finances can be a time consuming and mundane process. Keeping track of your spending and expenses is not a.....
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Category: Debt Management
4 Reasons Not To Borrow from Family or Friends
Posted on: 26 October, 2016
Bottom Line:
Borrowing money from friends or family is not a good idea as formality is often neglected. Not to mention the potential conflict that may occur between the lender and borrower due to stress, uncertainty, and tension. There is always a chance you could lose both your loan and your frie.....
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Category: Debt Management