Bankruptcy has its consequences. While it provides relief for borrowers who cannot pay their debts, it can negatively affect your finances in a lot of ways. But, if you know the four important factors to consider when getting personal loans for bankrupts, you can easily navigate your way back to financial stability.
Your credit score
The […]
Is it practical to use personal loan to consolidate debt?
It depends.
Finally paying off your debt through debt consolidation is a major accomplishment. But the real financial recovery starts when you decide to never get into debt again unless you really need to. You are now making a commitment to use your financial resources wisely every […]
Discover why personal loans for poor credit, not payday loans are the best options when you’re in need of cash.
Payday Loan
You have heard of post-dated check loans, cash advance loans and payday loans-they all mean the same. You apply for a loan secured by your bank account debit authorization or check and receive the money […]
Personal loans can have a negative impact on your credit score if you fail to repay them on time. Just like it is the case with types of loans, if you’re failing to make monthly repayments, then your credit score deteriorates. The problems appear when you’re trying to get a home loan, and financial institutions […]
A personal loan is a useful tool to get your hands on money to meet your current needs. But, considering that you have to pay it for a defined term and it usually comes with high interest rates, there are things you need to consider when applying for one.
Here are 4 questions for those considering […]
They’re something you can’t avoid. They’re everywhere and for the most part they affect everything we do. No, i’m not talking about the missus, i’m simply referring to the elephant in the room.
Whats happening at the moment ?
After reaching a record low of just 1.5% in August this year, the reserve bank has remained faithful […]
With the holidays looming ahead, there is no question that the inaugural family trip is in full planning mode. If you’re stressing about it, don’t worry, we’ve got a simple guide on how to save on the family vacation.
These helpful tips will help to ease the stress on your wallet and make your holiday enjoyable […]
According to a recent global survey regarding early retirement, Australians dream about this much more than other nationalities. The study revealed that 75% of people who live in Australia and over 45 years old consider retiring within the next five years. Compared to other countries, the number of citizens wishing for this is significantly higher […]
Regardless of the person who owes you money, whether it’s a friend, a family member, or your employer, if you’re reading this article, you must know that nothing is more disturbing than trying to recover your money without success. As the holiday season is already upon us, certainly you could use some extra cash to buy […]
With the holiday season just around the corner, a lot of people might find themselves asking the following question – am I happy with the way my life is at the moment? Does my job fulfil my expectations and does it truly satisfy me? You alone know the answer to this question.
So, if you think […]
With the holiday season just around the corner, everybody is thinking of the best Christmas gifts that would make the loved ones in their lives happy and appreciated. But, most of the times, this season catches us off guard and utterly unprepared, and, all of a sudden, Christmas is only a few weeks away. This […]
There are a number of ways to save money especially if you are unemployed. To those who are experiencing the same thing, it is not the end of the world. It may take quite some time before you find another job and the best thing that you can do is to save your last resources […]
Betting is a form of gambling. Choosing who’s going to win in a game or in any type of competition is called betting. Many have refused to accept that they are indeed a gambler. Gambling is a form of leisure but if it becomes habitual, your quality of life will be drastically affected by how […]
A bad credit loan sounds like the type of thing you see written in bright font in a pop-up ad. As someone who needs a bit of help with their debt, you probably want to click on them. But loans for people with poor credit sound too good to be true, don’t they? Well they […]
Self improvement is a continuous process that most successful individuals practice. Success doesn’t happen in just a snap and it doesn’t happen overnight. People work hard for it and how you maintain it is quite challenging. How do they keep the success? Self improvement plays a vital role when achieving to be at the top. […]
In the past, night owls were often considered poor employees because their late night lifestyles led to poor productivity in the office during normal office hours. These days, there is another school of thought teaching us that night owls can be the preferred employee for many different reasons. Now that so much work is done […]
Everyone should have an emergency cash fund. Having emergency cash available will give you a sense of financial security and it will stop you from running up your credit card bill whenever an unexpected cost springs up. An emergency cash fund should be set aside especially for accidents and emergency car repairs since these can […]
If you’re a full-time worker, going on holiday is the best solution to just get away from it all. But sometimes going on holidays can also be stressful if you don’t have enough money or if you’re worried about spending while you’re on holiday if you’re on a tight budget.
Fear not! If you want to […]
Your personal finance may not have run well in 2011. That is why you must be looking forward to make 2012 a better one financially. You may not have to rely on luck. You could actually make a difference on your own if you would be more determined and disciplined.
Now could be the best time to make your finance resolutions. Take your time and assess your personal finance in 2011. For sure, there are many aspects that need improvement. You could make resolutions and intend to make you personal finance better not just in 2012 but also in the many years that would follow. Here are top 5 of those finance resolutions you should have on your list.
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Christmas is undoubtedly a season for shopping. The spirit of the occasion is indeed in gift-giving. You may have to shop for all the presents you intend to give away. At the same time, you may want to shop for yourself and for your household.
It is not surprising that many consumers tend to overspend during Christmas shopping. That is because malls and retailers are doing their best to entice you to spend. Your shopping mood could be set on fire by the festive decorations. The special markdown sales and new items on the display could further persuade you to buy until you drop.
Are you ready to once again hear the cash register ring for your Christmas shopping? There are many tips you should first look at and observe. Here is a simple and practical list of the do’s and the don’ts when shopping for the season.
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More than one third of Australians would not survive on their savings longer than one month if they were to loose their job a recent survey by debt collection agency Dun and Bradstreet has shown.
The survey examined plans for saving, credit use, spending and debt in the coming three months. Many Australians are unprepared for financial hardships associated with being made redundant or sacked.
Four in ten people said that their saving would only last them 30 days whilst being unemployed, while 38% said they would have to use credit cards to cover household expenses such as bills and groceries.
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With inflation on the rise and living costs soaring, more young people are descending into debt. In a recent nationwide survey done by financial services company Dun & Bradstreet, the increasing range of debt receipts alarmingly fell around the 18-34 age
The survey found that more than one in five Australians expect to use their credit card to finance purchases they otherwise couldn’t afford. Livings costs are sky rocketing and as a result, young people are struggling to meet the financial demands. House hold debts have increased by 30% since Oct 2007, a mere six months ago. Credit card debt affects not only the middle age demographics but also the younger market, combining to make the nation’s current credit card bill, which stands at a staggering $42.340 […]
It’s the perfect time right now to make your way out of debt and to follow through on that popular New Year’s resolution – ‘to get ahead financially!’ However, in spite of the Reserve Bank’s respite on raising interest rates in January, and the sharp fall in the number of Australians taking out home loans, […]
Many Australians, especially the younger generations are obsessed with celebrity image, and pressure to keep up with the ever-changing style of the stars is driving an annual $8.7 billion credit card spending spree. The modern day cult of celebrity is now so pervasive that young men and women alike are racking up expensive credit card […]
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