Feel the effect of becoming debt free! They say a picture speaks a thousand words. Well this picture says it all. Debt is stressful. Debt is worry. Debt impacts your life. If debt has become unmanageable, you need to speak to our team to explore your options. Don’t put it off any longer –… Read more
Articles in category General
Can’t pay my debts … but don’t want to go Bankrupt!
A lot of people think that if they cannot pay their debts, then Bankruptcy is the only option – not true! There ARE options and it just depends on your situation as to which is most appropriate for you. Consolidation – Loan or debt consolidation – where you take out a new loan that is… Read more
Two magic words: Hardship Assistance
Need to stop collection calls and avoid bankruptcy?
Life After Debt is a debt solutions firm based in Perth and Sydney. We can help you stop collection calls and avoid bankruptcy in Perth and Sydney. A Part 9 Debt Agreement provides you with legal protection which immediately stops the collection calls and helps you avoid bankruptcy. It is important to get a full… Read more
How Can I Get My Credit File for Free?
Accessing your credit file is easier than you think! And you do not necessarily need to pay a fee to see it. Equifax (formerly Veda Advantage) is one of the leading credit reporting agencies in Australia and there are several way to obtain a copy of your credit file – in fact, we encourage… Read more
What are my debt options?
Depending on your circumstances and goals, your debt solution options can vary quite a lot. In general terms, and in ascending order of seriousness, here are the most common possibilities: Budgeting – It may sound boring, but if you haven’t sat down to see exactly what money you have coming in and going out, then… Read more
What is debt consolidation?
When talking about money and finances, debt consolidation (a.k.a loan consolidation) is combining several debts together, usually achieved by applying for a new loan. The new loan needs to be sufficient to pay out all other debts, thereby “consolidating” the outstanding loans, bills, cards and debts into a single loan. The general consensus is that… Read more
Where Do I Find All My Debts?
A common question at Life After Debt® HQ is “Where do I find all my debts” or even “Can’t you just look them up for me?” — a LOT of people just assume that your Credit File will provide you with an updated list of all current outstanding debts and unfortunately, this is not the… Read more
How to make a monthly budget
Having a financial goal, whether it’s saving up for a home loan deposit or building up a rainy day fund, requires financial discipline. You have to set boundaries and do everything you can to make sure you’re putting away the right amount of your income toward your goal. The traditional, and arguably most effective, way… Read more
How to create a personal budget
Most people don’t create a personal budget until they’re already in financial trouble. If you do it now, you could be saving yourself a whole lot of pain down the track. Here are six tips to help you get a budget started: Keep track of your spending Keep track of where your money is actually… Read more
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