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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
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
Normalising Debt vs. Living debt Free
Posted on: 13 July, 2017
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 .....
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Category: Debt Tips
Do I Really Need an Emergency Fund? Here are the Benefits
Posted on: 02 March, 2017
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!
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
The Common Characteristics of Debt-Free People
Posted on: 21 December, 2016
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
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