Bad Credit Loans Blog

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Staying on Budget with Prepaid Credit Cards

When you think of budgets and credit cards, you probably cringe. No one wants to go further into debt while maintaining a budget. The good news is that you don’t have to go into debt. Stick to your budget with a prepaid card   Whether you’re going on vacation or doing your weekly household shopping, you can load (add cash) to a prepaid credit card. This is a perfect way to know you are fully funded with a certain amount of money. Unlike traditional credit cards, you can’t go over your limit and there is no interest charge because you […]

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Do You Need a Loan Payment Calculator?

If you’re on this website, there’s a chance you might be in over your head on debt. Maybe you are on the road to credit debt recovery but your bad credit mark isn’t good enough to get the loan you want from one of the major banking players. Maybe you want to know how much you can borrow without breaking your budget. Maybe you just want to know the “what ifs” scenario if you borrow “X” amount over “X” amount of time. What you need is a loan payment calculator and we have that loan payment calculator for you HERE. […]

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Are You A Good Investor?

The greater majority of investors are focused on one thing: finding an excellent stock, and finding it now. And if you’ve been an investor for a while now, this wish might have turned into reality more than once. Notwithstanding, depending (solely) on luck isn’t a great strategy. Thereupon, is there a way you can tell whether your investing decisions have been due to mere chance, or because you are a genuinely good investor? Whether you can never pinpoint the naked truth, there are some aspects that may indicate the answer to your question. Let’s find them out! Traits of a […]

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The 5 Ways to Make Bad Credit Loans Work for You

Bad credit loans can work for you if you follow a simple set of guidelines. The latest nationwide research shows that as many as 30-35% of working Australians benefit from bad credit loans at one time or another during their working lives. A bad credit history can commonly occur for any number of reasons from something as simple as a declined credit application to a significant overdue debt in the thousands or hundreds of thousands. The bad credit loan is a great way to remedy your particular situation without having to rely on a loan from a traditional lender such […]

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Passing the 3 x step Pay-Pass Test with Flying Colours

The Australian Financial Research Group CANSTAR has devised a recommended 3 x step user guide for getting the most out of the increasingly popular PAY-PASS bank card option. The latest numbers from Beyond Bank Australia point to a growing trend of widespread, nationwide popularity with around 86% of Australian consumers preferring to go contactless particularly with small purchases such as coffee, groceries and alcohol etc, a huge jump up approximately 50% since mid 2014. From those surveyed, many replied they found it the most convenient method especially in the supermarket, during lunch hour and on the run generally. The number […]

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How to Enjoy Your Work

We are always told that in order to come to enjoy your work and your daily job, you should just go with your gut and make your passion your work, but that doesn’t always work. As Chris Guillebeau aptly points out, that severely limits your potential for success by only allowing one single path. According to the Fair Work Commission, Australians are not as satisfied with their jobs as they could be. So then, what should an Aussie do to enjoy their work? It’s a better idea to go about it searching for a career that touches upon three crucial […]

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Tax Deductions for Work-Related Car Expenses

During the last five years, the number of Australian drivers who wanted to benefit from tax deductions for their car expenses has increased considerably. In fact, according to the latest reports, this type of claims expanded by almost 30% since 2009. Because of this, the Australian Taxation Office (ATO) decided to change the rules regarding tax deductions for this year. Consequently, many Aussies will probably receive less than what they claimed. The evolution of tax deductions for work-related car expenses In order to understand why the new rules were a necessity, Mark Chapman, who is H & R Block director […]

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Budgeting Mistakes and How to Avoid Them

Budgeting shouldn’t be too hard, right? In fact, most Australians do this regularly, and it is a technique that can have some impressive results. Still, many people are disappointed after creating a budget and give up on this idea. Generally speaking, there are a few mistakes that can lead to failure, and once you can no longer respect your budget, you may consider it useless or feel frustrated that you spend too much regularly. Budgeting Mistakes Building a budget that is too strict If you ever made this mistake, you surely remember the excitement of creating a budget, and then, […]

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How Far Can People Go to Save Money?

Desperate people take desperate actions when they need to save money. The economy nowadays is not friendly with any consumer, and everything you buy can leave you with a huge hole in your pockets. Houses are getting more expensive by the minute, a pack of cigarettes costs a ton, and even the plain old groceries can make you cry in front of the counter. Even so, there are some people who mastered the money-saving art and are prepared to share a few of their tricks with us. You’d be surprised of the lengths some people go to just save an […]

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Planning Your Side Job for Extra Cash

If you need extra cash, then you may need to consider having a side job. In order to have a side job that will make you gain the cash you need, you need to have a plan. So here are a few tips that will help you make your side gig work! Earn Extra Cash Ask yourself if you’re having it as a short-term thing or long-term. This will be important to know what kind of side job you are going to engage in. If you are only having this for a short time then you may consider choosing a […]

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