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How the 50/20/30 Budget Rule Could Help You Save

rules for budgeting

More than 1 in 3 people in Australia live from paycheck to paycheck, according to UBank research. If you feel like there's never any money left at the end of the month, the 50/20/30 budgeting rule could help you to take better control of your finances. This rule of thumb was popularised by Elizabet... Continue reading

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

What Happens to Debts After Death?

what happens to debt after death

No one likes to think about their own death or that of a loved one, but taking steps to improve your financial situation today could prevent unnecessary stress for your family during a difficult time. Family members are not usually responsible for paying someone else's debt, unless they are co-borr... Continue reading

Tags:  Bad Debt,  Credit Card Debt,  Debt Advice,  Debt Agreement,  Debt Relief,  Debt Stress

Can a Balance Transfer Credit Card Get Me Out of Debt?

credit card debt help

One in six Australians struggles with credit card debt, according to ASIC figures. People who miss their monthly payments can find themselves trapped in a spiral of debt with exorbitant fees and interest rates often as high as 20%. If you're burdened by credit card debt, you should compare options ... Continue reading

Tags:  Credit Card Debt,  Debt Advice,  Debt Stress

Can I Escape Debt Overseas?

escaping debt

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... Continue reading

Tags:  Debt Advice,  Personal Debt Management

Am I Responsible for Someone Else's Debt?

am i responsible for someone else's debt

Many people worry that getting married, being in a long-term relationship or the death of a spouse means they will be liable for their partner's debt. This is not the case, but there can be certain situations where you agree to share or take on all the responsibility. If creditors are demanding tha... Continue reading

Tags:  Credit Card Debt,  Debt Advice,  Debt Management Tips,  Family Budgeting,  Financial Plan

How to Avoid 'Debt Lag' when Travelling Abroad

avoiding debt whilst travelling

For many Australians, a relaxing holiday is followed up by stressful debt repayments when they arrive back home, as they struggle to pay off the loans and credit cards used to fund their trips away. If you don't want your holiday spending to spoil the rest of your year, following these 5 tips could... Continue reading

Tags:  Debt Advice,  Debt Management Tips

7 Common Mortgage Mistakes to Avoid

preventing mortgage mistakes

The downturn in Australia's housing market is causing uncertainty for many first-time buyers and existing homeowners. Whether you're entering the property market for the first time or struggling to keep on top of your mortgage, learning from other homeowners' mistakes could mean you avoid making th... Continue reading

Tags:  Debt Advice,  Mortgate Repayment,  Mortgate Stress

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

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