Personal Finance

If you are finding it difficult to meet all you financial commitments, there are multiple things you can do to help ease these pressures. Unexpected financial issues can happen, whether from sickness, job loss, relationship breakup or some other form of unfortunate circumstance. Depending on the severity of these issues …

There are literally thousands of ways to save money. Advice and tips may range from practical easy to implement ideas to extreme penny pinching practices. Hands down, the first and best place to start for any type of money saving strategy is with creating a true budget that reflects all …

If you are on Centrelink or a low income earner there are a few options in terms or qualifying for a credit card or even personal loan. Lenders look at numerous factors to determine a borrowers risk level and ability to service credit. Some of the criteria that is analysed …

Have you applied to the banks and been knocked back? Have you looked for other options online to only find untrustworthy websites with no real information? If you are on Centrelink or have a low income, options for a car loan may be limited for a number of reasons. If …

Are you in need of cash immediately? Do you have bad credit and can’t qualify for a mainstream loan? Perhaps you don’t have time to wait for approval from a normal bank. Maybe none of the above applies to you and you just need access to fast cash. No matter …

If you have bad credit and are finding it difficult to qualify for a personal loan, don’t worry as there are options available. Do realise though, impaired credit will come with unfavourable terms if you qualify. Often times, if you have bad credit, depending on the severity of it, you …

When it comes to trying to get approved for a new loan or credit card, if you have poor or bad credit, the chances of becoming approved are low. Lenders will view you as a high risk so will either deny your loan request or offer you unfavourable terms. Options …

In short, budgeting is the process of saving, borrowing and spending. It is organising your finances to provide yourself with a clear understanding of how you manage your money for the short and/or long-term. Budgeting can be complex or quite simple depending on what you are trying to accomplish.

If you are receiving Centrelink or Newstart benefits, getting a personal loan can have its challenges. Most mainstream lenders or banks have very strict lending criteria which can make things difficult for borrowers whom don’t have a full-time job and good credit.

There are the Big 4 and then a range of medium to small lending institutions and building societies. Picking the right bank or lending institution is a very important step in establishing a long term financial partner. The right bank should provide its customers with great products, customer service and …