How to Cope with the Side Effects of Student Loans
There’s a pattern through which every person goes through at some point: we are born, our parents raise us, we take out a student loan to go to college, and then we work to pay it off for the rest of our lives. If not handled correctly, student loans can have a fairly nasty impact on our future. The greater the loan, the more troublesome it will be for us to pay our rent or simply lead our adult life – especially considering that many entry-level jobs don’t pay us a lot of money, to begin with. The Side Effects […]
Overwhelmed by Your Personal Loans? Here’s What You Can Do
When thinking about life after university, most people also reflect on the necessity of financial aid if they don’t have a job lined up right away. Eventually most end up getting personal loans to deal with their everyday bills and expenses. The opportunity of following your dream does not come cheap and it’s especially inconvenient considering that the average uni student doesn’t have a job ready. So what happens if you still don’t have a job or have just minimum-wage to pay back your personal loans? Get another personal loan on top of the first one? How can we get […]
How Can You Get a Personal Loan If You’ve Been Declared Bankrupt?
People who have been declared bankrupt can still apply for personal loans even if you think all hope is lost. The thing is while this loan can help you get through a tough financial time, you will need to be precise with your spending. You may not have much money left, and if you don’t know how to handle your finances correctly, you may end up with more debt. Personal loans can help those with bad credit scores, those who are unemployed and also those who have been declared bankrupt. Here is how you can get a personal loan if […]
How to Secure a Mortgage with Bad Credit?
Bad credit mortgage is a type of home loan that you can get even if your credit rating is not the greatest. Of course, this kind of loan comes with some restrictions and limitations. This is to ensure the lenders or the financial institution that they are not risking with someone who has troubles paying the money back. Here are some things you can do to secure a mortgage with bad credit: Analyse Your Credit File Over two million Australians are at risk of having bad credit, and they don’t even know about it. So, if you want to apply […]
How to Manage Rising Interest Rates?
Interest rates can be seen as something unimportant compared to debts or taxes, so why would rising interest rates interest anyone? The thing is that interest rates cannot be avoided and, at some point, they can affect you and your credit score. This is applicable when we’re talking about rising interest rates, in particular. However, you should know that this problem can be solved and we’re going to present you the ways to do this. Tips on Managing Rising Interest Rates Do some research: Usually, when it comes to such situations, the worst thing you can do is not getting […]
How to Act in Financial Emergency? Personal Loan or Credit Card?
Personal loans vs. credit cards: which one should win? Of course, in extreme circumstances, this choice is not an easy one. It is very stressful to deal with these choices alone – so imagine if you threw an emergency in the mix. You have so many things to do: pay your debts, fix your car, fix your health or fix the air conditioner that seems to be blowing more heat than cool air. And what do all these things have in common? It’s simple: they are very expensive. What Do We Do? Ideally, we should all have an emergency fund […]
Can I Get Loans with Bad Credit?
The chances are that you typed “how to get loans with bad credit” in your search engine for the last couple of days, and that’s why you are here. Don’t worry. There are many Australians in the same situation and they cannot get a simple loan because of bad credit. You shouldn’t panic because bad credit doesn’t mean that you are near bankruptcy or that you will lose everything you own. So, applying for a loan and getting approved isn’t impossible, it just means that you will have to put in more wok for it. If you want to be […]
Are You Coping with Bankruptcy as a Student? – The Survival Guide
In this day and age, students prefer using their credit card for every type of purchase without thinking that they might have to deal with bankruptcy. The expenses can range from food bought from your average store to an expensive personal computer purchased online. As with all teenagers, the problem is that responsibility is still something they struggle with. Using the credit card for every type of investment they deem to be important and skipping on paying debts is a sure sign that one day they will have to deal with bankruptcy. Other students use their tax money to buy […]
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 […]
Top Gardening Tips for this Summer
Gardening is an activity which the whole family can enjoy especially during summer. Planting lush greens and flowers add beauty to any garden. Trees provide instant shade to protect you from heat and direct sunlight. Plant a variety of blooms to add colour and choose fragrant flowers to keep your surrounding smelling sweet. There a lot of things you can do to improve your garden. Gardening may sound like a pensioner’s hobby but it doesn’t need to be. It can actually relax you after a long day of stressful work. Just the act of planting something and watching it grow […]