Common Myths about Bad Credit Loans
Bad credit loans tend to have a lot of myths surrounding them, and sometimes we end up confusing their reputation with reality. The most common one of all is that if you’ve never borrowed money, you have a clean record. Also, there is the misconception that because you’ve taken various loans throughout the years, you won’t receive another loan. Let’s look closer into the debate of bad credit loans and see which ones are true or false! Myths about Bad Credit Loans Bad credit loans won’t haunt you for life People tend to believe that home loans are bad credit […]
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 […]
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. […]
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 […]
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 […]
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 […]
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, […]
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 […]
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 […]
Australian Savings Declining Further
For some time now, we have been told that “the cautious customer” is every retailer’s nightmare, especially in the context of household spending. Interestingly, according to recent news on the subject, research on household income savings has been developed. Apparently, taking into account national counts, the household savings’ rate, which is the amount of income one saves, as opposed to directing it towards consumption, diminished by 7.6 percent in the third quarter. During previous years, household savings were estimated at nearly 10 percent of one’s income, as a result of the global financial crisis. At that time, it appeared that […]