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This blog title may sound familiar as it is another ‘Buy Now Pay Later’ Credit scheme; No, we haven’t written about ZipPay before, but we have written about its sister AfterPay and whether or not the ‘modern day lay-by’ is helpful or harmful. What did we decide? Read the blog to find out. And what do… Read more
Whether it’s buying a lotto ticket, placing a bet on the horses or playing the pokies, most people gamble at some point in their lives. But even so, it’s important to know how gambling works and to be able to differentiate between responsible and irresponsible gambling. Responsible gambling means understanding the odds, and knowing how… Read more
As much as we like to think the best of people, see the best in them and trust them wholeheartedly, it’s a sad fact that we can’t always rely on this. Particularly in this day and age, we do have to beware. Namely, we have to be aware of scammers and those “genuine” calls for… Read more
Your Credit Score. When applying for credit it seems to ‘rule all’. The problem is, if you are suffering from a less-than-perfect credit score, what can you do about it? Well, actually, quite a lot as it happens. Your credit file is a record of YOUR history. Who knows that better than you? Sometimes, the… Read more
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
When you’re on holiday, it can be easy to let spending get out of hand – eating out, gifts for friends and family and experiences that wouldn’t normally be in your budget all take their toll on your bank account. With Christmas approaching in a few months’ time, now is the perfect time to set… Read more
Increasingly, Australians are finding themselves in disputes with their banks – from our credit products, our insurance policies, our investments and our payment systems. Common complaints are about banking errors (both by computers and humans), calculation errors, insufficient or misleading disclosure statements, and conduct that contravene legal codes. If you find yourself in the midst… Read more
You may have fallen into financial disaster; however it is always possible to rebuild your credit standing. Millions of Australian’s end up with bad credit, whether it be bankruptcy, late payments on bills, or foreclosure. Here are some tips on how to best rebuild that positive credit rating again. Review your budget The importance of… Read more
It’s nice to have shiny new things, however sometimes it can be a waste of money. There are so many items which go down in value as soon as you open the box or leave the store with it. Buying used items can save you money very quickly. Here are some items which you should… Read more
To blame was unemployment and excessive use of credit. Vanessa Hall declared herself bankrupt at just 20 years old. She had accumulated $8,000 in credit-card debt and couldn’t see any way of paying it off. “I was travelling and living away from home, so I lacked support and I made the decision off my own… Read more