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Debt agreement vs debt consolidation loan

Are you struggling to make repayments on your debts? While there are many options available to you, it’s important to know which may assist you to get your finances back on track. This month we’ve compared a Debt Agreement to a Debt Consolidation loan. If you’re struggling financially and unable...

6 signs it’s time to get some financial help

There are many factors that can place you under financial stress and put you at risk of personal insolvency. Some of these, such as unexpected job loss or ill health, can be outside of your control. However, there are also often clear signs that you’re heading into the financial danger...

Post-bankruptcy: what to do after declaring bankruptcy

Declaring bankruptcy is a difficult and frightening time. However, it’s far more common than you may realise. In 2017 alone, there were over 7,500 acts of personal insolvency in Australia, including bankruptcies, debt agreements and personal insolvency agreements, according to Australian Government statistics. Take heart that it’s entirely possible to...

5 Tips for Budgeting Success

Setting and sticking to a budget is the best way to stay on top of your finances. Making and sticking to a budget means you’re paying all of your bills on time and not acquiring unnecessary debt, which keeps your credit history and credit report positive. This is essential when...

3 options for dealing with unmanaged debt

When debts pile up and become unmanageable it can be overwhelming. However, there are options you can – and should – explore for getting on top of the situation.   1. Negotiating a repayment plan with your debt collectors If you are struggling to repay a debt that is yours,...

7 facts about debt you may not know!

A big part of knowing how to manage debt is first understanding debt itself. Considering questions like “when am I most likely to get into debt?” can help you prevent debt by being prepared. Knowing when and how you’re likely to be contacted by a debt collector can help ensure...