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Personal Debt Management

Divorce and Finances: What You Need to Know

Divorce and Finances: What You Need to Know

Going through divorce and separation can be a stressful experience, especially if you're worried about how your finances will be affected. Having some idea of what to expect can help you avoid common mistakes and nasty surprises. While everyone's situation is different, here are some of the basic s..... Read more

Category: Wealth Management

Can I Get a Loan with Bad Credit or No Credit?

Can I Get a Loan with Bad Credit or No Credit?

If you've got a low credit score, or you haven't built any credit, this can limit your options if you need to borrow money. Improving your credit score will improve your prospects, but this takes time. If you need money more urgently, you can compare non-conforming loans to find the best deal. What..... Read more

Category: Credit Card Debt

How to Cancel a Credit Card the Right Way

How to Cancel a Credit Card the Right Way

Keeping a credit card active, even if you're not using it, can impact your credit score. But if you want to avoid annual fees, switch to a better deal, get out of debt or your card's been lost or stolen, it's important to make sure you cancel your card properly. Otherwise, you might still be charge..... Read more

Category: Credit Card Debt

Can I Escape Debt Overseas?

Can I Escape Debt Overseas?

Jetting off for a new life overseas is a fresh start, but it doesn't mean you can wipe the slate clean. If you've built up credit card debt, unpaid taxes, a student loan or other borrowed and owed money you haven't paid, it could follow you to your new home or affect your finances from afar. Whatev..... Read more

Category: Debt Help

Should I Take Out a Loan to Pay Off My Credit Card?

Should I Take Out a Loan to Pay Off My Credit Card?

Australians owe around $45 billion in total credit card debt. Many people are trapped in a vicious cycle of debt with cards charging interest as high as 20%. If you're struggling under the weight of debt, paying off your credit card with a personal loan at lower interest could leave you better off, ..... Read more

Category: Credit Card Debt

Good Debt vs. Bad Debt: What Type Do You Have?

Good Debt vs. Bad Debt: What Type Do You Have?

No one likes to be in debt, but debt is a necessary fact of life for most Australians. Whether you're buying a home, going to university or starting a business, loans are often the only way to access the urgent finance you need to move forward in life. On the other hand, some types of debt can be l..... Read more

Category: Debt Management

Credit Card vs. Personal Loan: Which Is More Affordable?

Credit Card vs. Personal Loan: Which Is More Affordable?

Whether it's paying for a holiday or Christmas gifts, Aussies are prone to reach for their credit cards when they need some extra cash. According to data from the Reserve Bank of Australia and Finder.com.au, the nation spent a total of $29.7 billion on credit cards in December 2018 alone, or $1,863..... Read more

Category: Budgeting, Debt Management

How to Cope with Record Household Debt

How to Cope with Record Household Debt

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..... Read more

Category: Debt Help, Debt Management

Will Getting Married Affect My Debt?

Will Getting Married Affect My Debt?

Marriage can affect your finances beyond wedding expenses, but tying the knot doesn't mean you automatically share responsibility for your spouse's past debt. You may decide to help each other out to pay off outstanding loans and credit cards, but in most cases, credit applied for by an individual ..... 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