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Debt

Your Credit Rating is an Important Ass...

Your Credit Rating is an Important Asset The importance of a clear and clean credit rating is one of your most important assets and you should do everything you can to protect it. Unfortunately some Australians have what is called an adverse credit rating and they can and will tell you of their frustration when it comes time to borrowing money. An adverse credit history is where someone hasn't paid their bills on time and the company or provider you owe money...
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Do You Know Your Interest Rate?

Do You Know Your Interest Rate? Guest article from Paul Ryan from Intouch Finance Do you know your interest rate? The New Year is always a time for reflection and goal setting and many of our thoughts tend to focus on improving our financial position and lifestyle. Whether it is to upgrade to a new home, start the search for an investment property or importantly look to reduce the monthly commitment and financial pressure on the household the New Year...
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Simple Ways to Reduce Credit Card Debt

Simple Ways to Reduce Credit Card Debt I recently read an article on how to recognise when your debt is out of control. They had this nifty little checklist and if you responded ‘yes’ to any of the questions then it meant you were headed for some serious financial trouble. That used to be me, but thanks to the development of a strange enthusiasm for budgeting , I scraped through without any ‘yes’ answers (and only one sneaky ‘maybe’... I’ve...
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I Lived on $25/Week

I Lived on $25/Week My story starts with me surviving on $25 a week. Yes this might sound unbelievable but I did it. I was in a disastrous relationship with two children one of which was a baby. People always ask what happened and I explain it as a difference of opinion. He thought it was ok to steal and not come home for two weeks at a time and I thought stealing is wrong and that he should at...
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Drowning in Debt

Drowning in Debt So you’re up Shirt Creek* and have nothing to use as a paddle, your boat is sinking and you really don’t want to get any of that “water” in your mouth. What do you do before you drown in debt? Act fast. If you have craploads of credit card debt, once-upon-a-time interest free whitegoods that are no longer interest free, and a car loan that’s costing you more each year than the car is worth, it’s time...
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Get Out of Debt!!!!

Get Out of Debt!!! To get out of debt, first you need to know how much debt you have!With the Global Financial Crisis, rising interest rates and higher costs of living, it's no wonder so many of us are in over our heads. How can you get out of debt when you are struggling to make ends meet as it is!! There is no easy solution, but a few steps in the right direction will see you well to start...
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Buying Versus Renting

Buying Versus Renting Now this is a big question that we all have to answer. Now in reality I'm sure most would love to own their own home but depending on situation and area you would like to live for work family or whichever reason it's not always an option. Trying to save enough money for a deposit alone is a big hurdle. The average $300,000.00 home will need a minimum 10% deposit. That is $30,000.00 which is a lot...
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Can't Pay Mortgage

Can't Pay Mortgage?? Well with the costs of living going up, bills and interest rates increases, one day you might find yourself in the situation where you can't meet your mortgage repayment. Shit!!! What do I do now..... Don't panic! Also do not wait until you are months behind and the bank is knocking on the door. Go to them explain the situation and see if you can find a solution to the problem. They don't want you to lose your...
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Interest Free Loans

Interest Free Loans Most people these days baulk at the idea of going into debt for anything, whereas others are hocked to the eyeballs in debt! Personally, I don’t like to buy what I can’t afford and prefer to save up for things that I want rather than go into mountainous debt and pay equally mountainous interest. I definitely never spend more than I earn. One thing my hubby and I do like, however, is the interest-free loan. These are...
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Managing Credit Cards

Managing Credit Cards When it comes to saving money on your grocery budget, how you pay for your groceries is just as important as what you buy and how much you spend. Why? Because you can reap benefits from paying for those groceries every month with a credit card. The Advantage of Credit Cards (not an oxymoron...) All credit cards are not created equal. To entice you to try their cards, many offer different incentives. Some offer discounts back for...
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