Ways To Pay Down Your Holiday Debt
Have you overindulged over the holiday period? It’s hard to start the year when you have post-holiday debt to deal with. It’s time to get back into your normal spending routine after spending more on events and parties during the holidays. Take control of your finances now before it snowballs into a debt crisis all […]
How to Get a Loan with Bad Credit
A blemish on your credit history can make it more difficult to get approved for a loan, but you do have options. If you need a financial solution that won’t rule you out based on past mistakes, the good news is there are lenders who will still consider your application. In this article, we look […]
How To Improve Your Credit Score
How To Improve Your Credit Score It’s hard to overstate the value of having great credit. Like a master key, it opens the door to a wide range of opportunities! Everything from mortgages to car loans become easier to acquire. Ultimately, thanks to the financial savings on interest you encounter, an awesome credit rating is […]
Credit Score Myths BUSTED!
Lenders look at your credit score to evaluate the potential risk of loaning you money — or simply put, your creditworthiness. Rumour has it that the higher your score, the more financially trustworthy you are. Now, this has a probability to be true, but what about the other data we’re not so sure of. You […]
New Rules On Your Payment Summary (Group Certificate)
Employers have to give employees a summary of their income for the past year at the end of each financial year (EOFY). This is ‘payment summary’, also known as ‘group certificate’ or ‘pay as you go (PAYG) payment summary’. Payment summaries are required by the Australian Taxation Office (ATO) for record-keeping. for employer for employees […]
Emergency Savings Fund! How Much Is Enough?
“Those who prepared for all the emergencies of life beforehand may equip themselves at the expense of joy.” — E. M. Forster No matter how good things are, it can always go bad. It could be a family emergency, a medical exigency, or a car breakdown. You could weather these storms with an emergency savings […]
Managing Your Centrelink Income
One of the many benefits of living in Australia is our country’s welfare system, Centrelink. Although it provides a financial safety net when you’re underemployed or unemployed, living purely on Centrelink income can be tough, but not impossible with careful budgeting. If all else fails in the short term, we do offer loans for those […]
Short Term Loans vs Credit Card — Which is Better?
If you need quick cash, there’s a couple of things you can do — get a short term loan or use a credit card. With a short term loan, just complete the application process and the funds will be transferred to your account on the same day, sometimes within the hour. With a credit card, go […]
Determine What Your Chances Are To Get A Loan
Say you need cash at hand because you are going through a financial emergency. Say you are planning to get a loan but have a bad credit. We know that trying to acquire a loan with bad credit can be a challenge, especially when it shows on your credit file. There are different loan options […]
Ways To Solve Your Bad Credit Problem
When you have a bad credit history generally you are not qualified for a loan from banks or traditional lenders. Not many know, but there are bad credit loan alternatives available and they are very accessible. You’ll simply need to demonstrate that you can repay the loan by giving proof of a regular income, whether […]