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Debt Advice

7 Tips for a Debt-Free Christmas

debt free christmas

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... Continue reading

Tags:  Budgeting,  Debt Advice,  Debt Agreement,  Debt Management Tips,  Financial Plan

Australia's New Credit Card Restrictions Protect Borrowers from Spiralling Debt

credit card restrictions protects borrowers

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... Continue reading

Tags:  Credit Card Debt,  Debt Advice,  Debt Management Tips

Don't Let Your Wedding Drive You into Debt

managing wedding debt

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 mortg... Continue reading

Tags:  Debt Advice,  Debt Management Tips,  Family Budgeting

Payday Loan Machines Target Australia's Most Vulnerable Communities

payday loans

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 sub... Continue reading

Tags:  Debt Advice,  Debt Stress,  Loans

Will Getting Married Affect My Debt?

What happens to my debt after getting married?

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 ... Continue reading

Tags:  Debt Advice,  Debt Management Tips,  Personal Debt Management

Normalising Debt vs. Living debt Free

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, f... Continue reading

Tags:  Debt Advice

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 coul... Continue reading

Tags:  Debt Advice

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 ... Continue reading

Tags:  Debt Advice

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... Continue reading

Tags:  Debt Advice

Top 5 Apps to Help Control Your Personal Finances

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... Continue reading

Tags:  Debt Advice

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