online personal loan calculator

Struggling with credit card debt? Some of your options.

... you thinking about a debt consolidation loan or a credit card balance ... reading "Struggling with credit card debt? Some of your options." ... require a debt consolidation loan to be secured by real estate. Unsecured debt consolidation loans tend ... having a personal or household budget in place, debt consolidation or a credit ...

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Home Loans

... rate than other loan types such as personal & car loans or credit ... cash or pay the loan off faster.A debt consolidation loan can be an effective ...

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Home Loans

... rate than other loan types such as personal & car loans or credit ... cash or pay the loan off faster.A debt consolidation loan can be an effective ...

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New budget planning tools for you

... 'd save by increasing your loan payments? Or how much interest ... ... get started: Basic Loan Repayments Calculator: Use this calculator to work out the ... term of a loan. Extra Repayments Calculator: Use this calculator to work out ...

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Home Loan Repayment Calculator

... MyBudget's Home Loan Repayment Calculator Use this calculator to estimate loan repayment figures ... To use the Home Loan Repayment Calculator, enter the following information. ...

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Lessons from Greece

Unmanageable debt can creep up on anyone. ... ... an individual seeking a bad debt consolidation loan—the loan may provide some immediate ... lessons from it for our personal approach to money management: Create ...

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What can you do if your mortgage gets behind?

... , Fitch, recently reported that home loan defaults jumped up by 12.5 ... ... options like debt consolidation, but do so very carefully. A debt consolidation loan might free ... out of debt through budgeting and without taking on more loans. Ask ...

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Making sense of the banks’ mumbo jumbo

Want to get a home loan? Confused by all the different mortgage products? Here's a handy translation guide for making sense of the banks' mumbo jumbo. ... helpful translations. Interest-only loans are exactly that. The loan payments cover interest ... offer MyBudget clients home loan refinancing, debt consolidation and loans for mortgage or business ...

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Making sense of mortgage jargon (part 1)

... is here to demystify home loan terminology and explain what the ... ... Doc describes a Low Documentation Loan, which is designed mainly for ... offer MyBudget clients home loan refinancing, debt consolidation and loans for mortgage or business ...

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Savings Calculator

... Welcome to MyBudget's Savings Calculator Use this calculator to estimate how much ... Budgeting.' To use the Savings Calculator, enter the following information: ...

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Understanding insolvency (bankruptcy and Part IX debt agreements)

Personal insolvency has been rising in ... with increasing amounts of unsecured debt. Personal loans, credit cards and mobile phone ... , and bankruptcy ... with increasing amounts of unsecured debt. Personal loans, credit cards and mobile phone ... assets to repay their debts. In Australia, personal insolvency is overseen by ...

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A new (free!) magazine for entrepreneurial women

I was recently invited to become a contributing columnist to Samara Magazine, a new online magazine that's designed for women interested in business and entrepreneurship ... reputable bank or a bottom-feeding loan shark. If you're finding it ... personal budget will show you where the bottlenecks are. If your debts ...

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The best of times, the worst of times

In all my years of experience helping people get on top of their finances, I've come to understand that no two situations are ever exactly the same, which is why there ... credit, a personal loan, a study loan and a Centrelink debt. All of Alysa's ... able to pay down her debts and rectify her payments history ...

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How to get a default removed from your credit file

After writing a post about how to check your credit report, I got a number of questions from people including is credit repair possible? And can default listings and ... payments; Any personal insolvencies, which includes bankruptcy and formal debt agreements, and ... to issue default notices after loan payments have been missed for ...

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Caught in a cash crisis? The problem with payday loans.

... week from people experiencing a debt hangover from Christmas and New ... crisis? The problem with payday loans." ... consumers are familiar with loan products (home loans, car loans etc.) that advertise ... way out of debt without taking on new loans or further damaging ...

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Money misconceptions: four financial fictions

... buys happiness. That's not my personal opinion, but I was happy ... ... , laughs, kind thoughts, gentle words, personal projects, hobbies, gratitude, self-respect, knowledge ... relying on loans to make ends meet or your debt has become ...

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How big is your slice of the household debt pie?

... is to measure average household debt as a percentage of average ... ... weigh heavily on household debt. Credit card debt and personal loans are other significant ... help. We're Australia's largest, trusted personal budgeting specialist since 1999.

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Dangers of going guarantor

... off a $150,000 bank loan which they guaranteed … Continue reading ... ... capacity to repay the debt? How will the loan money be used ... a person's finances, especially when debt is involved. The couple in ...

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Manage good debt, minimise bad debt

Good vs. bad debt Living a life which is ... , clothes … Continue reading "Manage good debt, minimise bad ... ... between good debt and bad debt. Good debt is usually associated with loans for ... from it. Bad debt is usually associated with loans for things that ...

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What to do if your car payments are falling behind

Are you behind in your car loan payments? Are you afraid of having your car repossessed? Let's look at your options. ... new loan when your aim should be to eradicate your debt.) The ... of debt using a credit card or taking out more loans is ...

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The Hidden Costs of Buying a Home — Revealed!

When it comes to buying a house, the deposit is just the beginning. Legal fees, stamp duty, bank and insurance charges, not to mention moving costs, can all add up to ... lower than interest charges on loans, it makes sound financial sense ... credit cards, personal lines of credit and other debts with high interest ...

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Happy New Year! Time to set your goals for 2014.

Happy New Year! As the current year draws to a close, it's time to start focusing on your goals for 2014. What do you want to achieve with your finances next year? It ... life as much as in personal finance. Goals provide us with ... be debt-free, specify exactly which debts you're going to reduce next ...

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First home buyers get into further debt

... five have racked up extra debt on top of their mortgage ... home buyers get into further debt" ... line of credit (a revolving loan secured against your property) or ... your goals while minimising your debt exposure. We're always here to ...

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Aussies getting serious about saving

... before the Global Financial Crisis, personal savings in Australia had fallen ... show that Aussies are reducing debt and starting to save again. ... before the Global Financial Crisis, personal savings in Australia had fallen ... increasing while demand for home loans has been declining, suggesting that ...

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Importance of saving

Around 3.7 million Australians have no savings. They're living week-to-week with no funds to fall back on should an emergency or unexpected expense arise. It's a scary ... are especially prone to unmanageable debt and credit misuse because they're ... to have multiple credit cards, personal loans and a lavish lifestyle. Why ...

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Australia leads world for job insecurity

Nearly 40 per cent of Australian workers are now non-permanent employees. Half of them are casuals and the remainder is made up of self-employed business owners, contractors ... famine. These factors mean that personal budgeting and good money management ... take on any debt (that includes a home loan) that would be ...

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10 tips to get financially fit

Are your finances feeling a bit flabby? Are you ready for a financially fitter you? Financial health is a lot like physical health - neither can be achieved without discipline ... due to debt? It might be time to look at loan refinancing ... known as “good” debt. Whereas “bad” debt describes loans for things that lose ...

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What’s in your credit report? (infographic)

Your credit report stores information about your debts and repayments - information that creditors use to measure your creditworthiness. Let's take a closer look ... report stores information about your debts and repayments – information that creditors ... credit history, as well as personal information. Name Date of birth ...

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Too many bills, not enough money

This article appears in issue 3 of Samara Magazine, a free online magazine for women business owners and entrepreneurs. Helping people to succeed and achieve their life ... to prioritise their bills and debts, most people say that their ... An accountant, financial counselor or personal budgeting service are great options ...

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Mr Obama, please contact MyBudget

... States' national debt and budget deficit figures in personal budgeting terms that ... ... States’ national debt and budget deficit figures in personal budgeting terms that ... family spent: $38,200 * New debt on the credit card: $16 ...

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Home loan rate cuts: how to budget the savings

... and circumstances. … Continue reading "Home loan rate cuts: how to budget ... ... Do you have any high-interest debt? This is great opportunity to ... cards, charge cards or other loans. Consider this: Paying $100 a ...

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Spending habits that broke the bank

... $40,000 in credit card debt and spending habits that were ... ... years old and our home loan came with a credit card ... commission cheques to reducing her debt and building up her savings. ...

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Super-duper-annuation

... -no matter how dire their debt or financial situation-has a ... ... —no matter how dire their debt or financial situation—has a ... the financial year. Your total personal contribution at the end of ...

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5 expenses to review once a year

The end of the financial year is a good time to review your household's biggest expenses. Do it once a year and you could save hundreds of dollars. ... to retain your business. 4. Loans Take advantage of historically low ... already.) If you have a personal loan or credit card balance, now ...

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Mortgage stress rising. Rent or buy?

60 Minutes recently screened a story ('The Big Squeeze') about the rising rate of mortgage stress in Australia. The dream of owning a home has turned into a nightmare ... to rack up additional mortgage debt—some as much as $100 ... minimum required installment on your loan. · Do your research—understand that ...

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Handbag from hell

When it comes to personal finance, I thought I'd seen everything then came this… The iBag is a handbag designed to control spending. According to its makers When it comes to personal finance, I thought I'd seen ... time ended up with more debt than before because nothing in ...

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Interest-free finance: how it really works

We'll soon start to see mid-year sales pop up. If you've been saving for something special, the sales might be a good time to go shopping. But retailers will also try ... them didn't understand how interest-free loans work and others got caught ... period for cash advances. Cash loans begin attracting interest immediately and ...

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Drive down car costs

Over the last few years, motoring associations across the country have reported that the cost of owning a car is skyrocketing. After factoring in petrol, interest charges ... much you are borrowing (the loan principal) plus interest charges, calculated ... need to include registration, insurance, loan repayments (if any), petrol, servicing ...

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About Tammy May

... personal budgeting company, MyBudget, following years of witnessing the impact of debt ... ... personal budgeting company, MyBudget, following years of witnessing the impact of debt ...

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RBA interest rate cut: what does it mean for you?

Yesterday, the Reserve Bank of Australia (RBA) cut the official interest rate by 0.25% to 3.0%. What does that mean for you and what will interest rates look like in ... a benchmark for variable rate loans from financial institutions in the ... MyBudget clients home loan refinancing, mortgages, and car loans with flexible terms ...

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10% discount on tax services + answers for free!

It's nearly tax time and, after the Federal Budget, I imagine that a lot of people are going to have tax questions. Here are some ways to get tax advice for free or at ... regularly (eg. teachers, truck drivers, personal trainers, sales people, construction workers ... with MyBudget handling paying our debts we were able to increase ...

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Lying about money

It happens every day: Two people fall in love and make a happy couple. But couples don't always stay happy and money can be a leading cause of marriage and relationship ... home to pay off her personal debts. That might sound extreme, but ... , contact a financial counselor or personal budgeting service. No matter how ...

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Life after bankruptcy—an interview with Girl Bankrupted

"My first full day of bankruptcy was surreal. I didn't feel any different but I had a sense that somewhere, somehow, the machinations of the world outside were groaning ... and compelling insights into the personal aspects of bankruptcy—the emotional ... more assets than I had debt—until now! MoneyTalks: Now that ...

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What is peer-to-peer lending?

In the age of social networking and social media, it's little surprise that social finance would follow. The ABC's The Checkout, recently ran a segment about peer-to ... have had a stranglehold on loans and social lending is likely ... the fact that a loan is a loan. Peer-to-peer lending has all ...

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Live like a millionaire

... recommend books about budgeting and personal finance. Regrettably, I never find ... ... recommend books about budgeting and personal finance. Regrettably, I never find ... income is committed to servicing debt and consumer spending habits. Very ...

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Spiralling debt despite good income

... find yourself in spiralling, unmanageable debt despite having a good income ... year old … Continue reading "Spiralling debt despite good income ... find yourself in spiralling, unmanageable debt despite having a good income ... had reverted to high-interest bearing loans. “I was paying one credit ...

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What to Expect When You Join MyBudget

What do you get when you join MyBudget? The best way to answer that question is to hear from real MyBudget clients about their experiences: ... experiences: • “It's like having a personal trainer for your finances.” • “It ... salaries. Some want help with debt, others want to break the ...

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HomesVic – Helping Victorian’s Get Homes

As rent prices keep climbing, it can be difficult for Victorian renters to save for a house deposit. The Victorian Government has recently launched the HomesVic scheme ... and existing homes. Reduce Your Loan The HomesVic scheme reduces the ... amount of the loan you require by having HomesVic ...

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The rising cost of weddings

... all bridal couples go into debt to pay for their big ... ... all bridal couples go into debt to pay for their big ... considerations, such as gym membership, personal fitness training, weight loss programs ...

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10 tips for budgeting for a holiday

... the baggage of credit card debt or financial stress is not ... ... the baggage of credit card debt or financial stress is not ... of their pocket money for personal holiday spending. 4. Open a ...

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Riding the MyBudget bus to retirement

... heads with credit cards and loans: "At one stage we were ... ... of MyBudget's team leaders and debt agreement experts, stepped in. Suzanne ... all of their cards and loans without affecting their credit rating. ...

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How to choose the right insurance for you

... recommendation for your specific circumstances. Personal budgeting expert Tammy May explains ... an essential part of your personal finance … ... recommendation for your specific circumstances. Personal budgeting expert Tammy May explains ... Very few people have enough personal savings to replace their vehicle ...

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Important changes to credit reporting: advisory bulletin

MyBudget would like to share this important update with you. Changes to privacy laws now allow credit reporting agencies to collect information about your repayment history ... , store cards, charge cards, mortgages personal loans, and similar products. Creditors such ... payments on credit cards and loans may now appear on your ...

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Suzanne Isbester: 10 years with the MyBudget family

This week's blog is dedicated to Suzanne Isbester, MyBudget's first employee to celebrate 10 years of service with the company. In recognition of this special milestone ... first dedicated debt negotiator and today she is a personal insolvency specialist. ...

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Treading carefully: moving in together

"Living together", "cohabitating, ""shacking up"-call it what you will, an ever-expanding number of unmarried couples are residing under the same roof. There are often ... a testing situation arises. Bills, debts and assets Even though you ... , charge cards, loans, telephone accounts—any bill or debt to which you ...

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The 7 Habits of Great Savers

Are you a great saver? If you have any money at all in the bank, you're off to a great start. Nearly one-in-seven Australians, equivalent to a staggering 2.6 million ... reliant on credit cards or loans to make ends, whereas savings ... 922 to book your free personal budgeting consultation. One of our ...

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Your Easter reading list

Looking for a good book to read over Easter? Here are three, easy-reading classics for your personal finance library. ... three, easy-reading classics for your personal finance library. The Richest Man ... the most enduring “bibles” of personal finance. Set in the ancient ...

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How will the Federal Budget affect your personal budget?

The Abbott government's first budget is one of "pain with a purpose", according to the Prime Minister. So, where's the pain, what does it mean for your personal The Abbott government's first budget is one of “pain with a purpose”, according to the Prime Minister. So, where's the pain, what does it mean for your personal budget, and how can you prepare for the changes?

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The "walletless" society

... We commented that cards make personal budgeting more difficult because it's ... ... We commented that cards make personal budgeting more difficult because it's ... what does it mean for personal budgeting? I appreciate that the ...

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Jump the Christmas queues—take your shopping online

How is your Christmas shopping going? Too busy, too tired or too over it to hit the shops? There's time and money to be saved by doing your Christmas shopping online ... the most popular currency exchange calculators. 5. Instant delivery A number ...

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Debt agreement ads: investigation exposes fox in sheep's clothes

... some Australia's most high profile debt agreement administrators and found that ... consequences of bankruptcy and debt agreements." Part IX Debt ... credit report listings; Indicates that debt agreement administrators are balanced or ... foxes masquerading in sheep's clothing. Debt administration companies make money by ...

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5 Ideas for Homemade Christmas Gifts (from the heart!)

It happens to us every year - the jolly season of the year approaches quickly, and you start wondering what to get your loved ones. You start doing mental acrobatics ... weekend getaway 1 lunch date Personal servant for one day Vouchers ... vouchers are a bit more personal. Add some creative flair by ...

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7 Ways to Pay Off Your Credit Card Faster

... you stressed about credit card debt? Feel like you never get ... alone. Australia's combined credit card debt is worth around $50 billion. ... But ... alone. Australia's combined credit card debt is worth around $50 billion. ... But this doesn't make debt stress acceptable! We have thousands ...

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20 reasons we love online grocery shopping

Is your supermarket bill blowing your budget? Personal budgeting expert and MyBudget founder Tammy May has 20 reasons why buying your groceries online might save ... supermarket bill blowing your budget? Personal budgeting expert and MyBudget founder ...

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10 tips to get financially fit

... about how to lose the debt and put on some serious ... ... your payment terms.) Assess your debt health. Debt is like cholesterol: there ... good and bad varieties. Good debt is for investments that go ...

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Budgeting for a new baby (video blog)

This month, Tammy's video blog is all about budgeting for a new baby, and she starts with a very special personal announcement. Tammy May's May 2014 video blog This month, Tammy's video blog is all about budgeting for a new baby, and she starts with a very special personal announcement. Tammy May’s May 2014 video blog

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Money skills for kids

... treats my purse like his personal ATM." "Our daughter has no ... ... treats my purse like his personal ATM.” “Our daughter has no ...

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Lower call costs with smartphone apps

... instant communication, however, is that personal communication costs have skyrocketed. Young ... ... instant communication, however, is that personal communication costs have skyrocketed. Young ...

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Blindsided by unexpected debt

... The couple found themselves in debt … Continue reading "Blindsided by unexpected ... ... doesn't matter what size a debt is,” Rowena tells me. “It's ... story. Their situation highlights that debts can appear out of nowhere ...

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10 cost-wise things to do on a rainy day

Winter is just around the corner, so the usual outdoor distractions-parks, playgrounds, beach visits, walks and bike rides-are going to become less appealing. With that ... , TV shows and documentaries for loan. Some also have toys and ...

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Saving for a car? Budget 30 percent extra.

When it comes to buying a car, the ticket price is just the beginning. On-road costs and running expenses quickly add up. In this case study, we estimate the total first ... If Sara needs a car loan (for say $8,000) the ...

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5 dangers of balance transfers

... you're drowning in credit card debt, a 0% balance transfer can ... find themselves even deeper in debt and stress as a result. ... ... you're drowning in credit card debt, a 0% balance transfer can ... find themselves even deeper in debt and stress as a result. ...

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