There’s a bank in town which outperforms many of its competitors. We’ve all heard of it, most of us have borrowed from it, some of us have even been lucky enough to have received some sizeable and generous donations from it and there are millions of branches around the world.  What are we referring to?… Read more

Have you recently received a debt collection notice or phone call about an old debt, or think you may have some old debt that you still haven’t paid?  One of the main questions on your mind is likely to be, “Do I have to repay this old debt?”.  Many would assume the answer is yes,… Read more

Bankruptcy.  It’s not exactly a positive word.  Nor is it a position which any of us want to find ourselves in.    However, whether we like it or not, the situation does happen to thousands of Australians, every year. If you can’t meet all your debts and bankruptcy is a possibility, then it’s safe to say… Read more

Did you know there’s a simple way that many of us could earn thousands of dollars (without working), but most of us are simply too lazy to do it?   It’s true and it’s …. second hand ! Possible second hand savings revealed The findings of Gumtree’s 2018 Second Hand Economy report, revealed the average Australian household… Read more

Do you have a budget for Christmas?   You need it NOW to avoid Christmas on Credit Did you know that there’s only 138 days until Santa arrives? It seems like a lot of days, we know.  But Christmas really will be here before we know it! Every year, the looming arrival of Christmas creeps up… Read more

A recent article from ABC news has detailed the bankruptcy surge to hit Australia, noting that more than 32,000 Australians declared bankruptcy during the 2018 financial year, with households in resource-dependent WA and Queensland doing it particularly tough. As alarming as this topic may be, we feel it’s important for fellow Australians to be in… Read more

If you can’t meet all your debts, then it’s safe to say you’re probably feeling worried, stressed, overwhelmed. You may even be concerned about how to avoid bankruptcy.  Don’t worry – There are options to avoid bankruptcy and you’re definitely not alone. Debt Agreements are just one of those options and Life After Debt ®… Read more

Recently we wrote about base interest rates, with the historic low of 1.5 per cent remaining unchanged for the 22nd consecutive month. The latest headline? Up to 1 million Australian households ‘on the edge’ of mortgage default by September. It’s a scary statement and comes from a warning by principle independent analyst, Martin North of Digital… Read more

Feeling stressed? You’re not alone.  According to recent Medibank research, the incidence of stress has peaked of late, with the number of Australians affected rising from 3.7 million in 2007-08 to over 4.9 million in 2016-17.  On top of this, the Financial Stress Survey by CoreData and Financial Mindfulness, found that one in three Australians feel… Read more