Category Archives: Payday Loans

Do not get “snowed under” this Christmas

Its hard to believe but we are only weeks away from Christmas. The “Silly Season” that all too often finds unprepared revelers deep in debt at the commencement of the new year. If you are one of these people who leaves Christmas … Continue reading

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A loan guarantor will not solve all borrowing problems

It is true that often borrowers are able to breach the gap between their borrowing needs and the loan qualification criteria of lenders, by using a loan guarantor. However guarantors can only be helpful in some borrowing situations, while in others … Continue reading

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Give your children the gift of Financial Literacy this Christmas

I am not passing any value judgement on the social importance to most Australians of the Christmas holiday, nor on the religious significance of Christmas, rather on what many take as their ‘god-given right’ to spend up big during Christmas … Continue reading

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Credit repair is not what it seems to be

Given the intense regulation of all financial product marketing in Australia I continue to be surprised at what “is allowed” when it comes to promoting credit repair services. Advertisements promise to wash away your bad credit, creating the impression that all … Continue reading

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Credit options after bankruptcy

We often speak to individuals who have recently been discharged from bankruptcy and who are looking to borrow some money either in the way of an unsecured personal loan, a car loan or a home loan. Unfortunately your bad credit … Continue reading

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Budget to a better financial future

Some people simply “switch off” when they hear any talk of budgeting. However these same people will think nothing of applying for a new credit card when their current cards have reached their limits. Certainly there is nothing sexy about the … Continue reading

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Not all debt is the same

Being debt averse can be a good thing, however it is important to keep in mind that not all debt is the same. When borrowing money today, we get to enjoy experiences or assets that we can not yet afford … Continue reading

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Borrowing while in a debt agreement

We regularly hear from people who are in an undischarged debt agreement and would like to gain access to some unsecured finance. Although a debt agreement goes a long way in assisting individuals to bring under control unaffordable unsecured debts, … Continue reading

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Looking for a credit card with bad credit?

If you are chasing a credit card provider that would be prepared to give you a go, despite a history of bad credit – you are not alone. We regularly hear from people who are unable to source a credit … Continue reading

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Credit cards vs small short term loans

Credit cards do not have the best of reputations. We are charged hefty interest rates on outstanding balances, credit cards can be difficult to qualify for and even harder to repay. Also cards have the tendency to multiply. Once you … Continue reading

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