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 idea of budgeting. For many that idea is associated with needing to go without in order …

The true cost of bad credit

There are tens and possibly hundreds of thousands of people walking around Australia with some form of credit history impairment. It may be an account in dispute that has been recorded as an unpaid invoice by your creditor, a loan guarantee that went bad, a lost account that has been missed or a serious situation …

Reasons to make your purchase an investment

We keep reading about owner occupier share of the Australian mortgage market continuing to shrink. It is as if home buyers have stopped buying property and taking out mortgages. Could that be true? In reality of course all that has happened is that first home buyers have realized that purchasing a home in their own …

Strategies to address financial stress

It seems that despite interest rates being at record low levels more and more Aussies are experiencing financial stress. It may be that you have very limited savings. If that is the case – you are not alone. A recent analysis by the ME Bank, produced by the Economics & Beyond and Baker Group, has …

Better your chances of home loan approval

With the property market heating up all around the country first home buyers may be feeling very nervous. As prices are slowly moving up, borrowing for your first home may seem to be out of reach for many. However there are some clear strategies that young people can employ to improve their chances of a …

To rent or to buy, that is the question!

There are many conflicting opinions when it comes to the question of property ownership. There are those who believe that there is no better means of securing ones retirement than through property investment or at least home ownership. Then there are others that are completely opposed to the lifestyle constrained by mortgage obligations. How can …

Getting carried away with the holiday season?

If you love this time of the year you are certainly not alone. The weather is getting warmer, Everyone is in Christmas mode. There are Christmas parties at work. People are smiling everywhere. You are invited to various get-togethers, drinks, bbqs and so on. You will need new outfits for all the upcoming festivities as …

Winning financial strategies

You can go to seek advise from financial planners, accountants and investment advisers. However in addition to anything that the experts say, there are some basic money management strategies that you should understand which can make a tremendous difference to your financial well-being. Do not pay interest for lifestyle choices A common mistake made by …