Debt Management - What is Debt Management?

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Budgeting Assistance, Debt Management & Debt Consolidation

Regardless of which stage of life we’re in, it’s easy to get into debt. Sometimes we even talk ourselves into it – ‘I can’t afford it but I’ll just take it now and pay for it over 3 months’ or ‘I need this’ – when you clearly don’t. We use terms like ‘retail therapy’ and glorify expensive shopping trips. We’re influenced to buy expensive brands to the detriment of achieving our financial goals in life. Other times, it’s less about self-fulfillment and more about a totally unexpected expense – a medical bill, an accident or other unforeseen events.

The key to lessening the impact or avoiding these problems with debt can be as simple as a household budget. The following information includes tips on how to find debt relief.

How is a Budget Going to Help Me?

A budget is the easiest way to get a visual representation of the household’s finances and can be very helpful in terms of keeping you out of debt. If you simply list all of your income (e.g. salary/wages, pensions, benefits) on one side, and all of your expenses (rent/mortage, food, phone, water, electricity, car, fuel, education etc) on the other and total them up, you will already have a better overall picture of your household finances. This will show you how much money you have to spend each week and more importantly, the amount you should not exceed without incurring more debt.

People get into debt because they allow their expenses to exceed their income – many then attempt to fill this gap with debt, such as credit card debt, that attracts a high rate of interest.

DEBT MANAGEMENT QUICKLINKS

Debt Management - What is Debt Management
Debt Management - How to Apply for Debt Management
Debt Management - Benefits of Debt Management
Debt Management - Examples of Debt Management
Debt Management - Who Can Apply for Debt Management

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Conditions apply to all offers by Australian Lending Centre. For further information contact Australian Lending Centre to discuss your particular requirements with one of our consultants.