pay off debt fast - 25 matching results

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." ... good opportunity to reduce your debt by paying down as much of ... require a debt consolidation loan to be secured by real estate. Unsecured debt consolidation loans tend ...

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Home Loans

... free up cash or pay the loan off faster.A debt consolidation loan can be an ... that for your situation, a debt consolidation loan is ideal, or it may ...

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Home Loans

... free up cash or pay the loan off faster.A debt consolidation loan can be an ... that for your situation, a debt consolidation loan is ideal, or it may ...

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Lessons from Greece

Unmanageable debt can creep up on anyone. ... ... pawn broker. Knowing you need fast cash, the broker is likely ... an individual seeking a bad debt consolidation loan—the loan may provide some immediate ...

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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 ... financial pinch. There's Christmas to pay for, summer holidays and extra ... financial pinch. There's Christmas to pay for, summer holidays and extra ... options like debt consolidation, but do so very carefully. A debt consolidation loan might free ...

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Personal Loan Repayment Calculator

... a car loan, debt consolidation loan, equipment loan or other type of personal loan? Use this ... : Choose the loan purpose (car, personal, debt consolidation or equipment finance)Loan amount (how ...

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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. ... withdraw any extra money you pay off your mortgage. It's like ... 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 ... ... will increase as you pay down the loan and/or the property increases ... offer MyBudget clients home loan refinancing, debt consolidation and loans for mortgage or business ...

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Spending habits that broke the bank

... $40,000 in credit card debt and spending habits that were ... ... lifestyle. Nicole's situation illustrates how fast a financial situation can be ... she'd always taught us to pay our debts every month. It was ...

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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 ... transforming that perception. Renting is fast becoming a better option for ... by paying more than the minimum required installment on your loan. · Do ...

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Savings: how much is enough?

... fund. There's no hard and fast rule on savings-it really ... ... or fast cash loans to make ends meet. This is how the debt ... a term deposit, pay down your mortgage faster, take a well-deserved holiday ...

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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." ... full from their next pay packet. Payday loans usually have very few ... can pay their way out of debt without taking on new loans or ...

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Dangers of going guarantor

... their home to pay off a $150,000 bank loan which they ... ... the borrower stops paying? Could you afford to pay the loan on your ... a person's finances, especially when debt is involved. The couple in ...

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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 ... to make repayments on your debts. Fast facts Since March 2014, creditors ... errors (eg. incorrect repayment history, loan amounts etc.) and fraudulent activity ...

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On the fast track to savings

... Rhonda … Continue reading "On the fast track to savings" ... amount of credit card debt which they're paying off quickly, but they've ... really got into any great debt,” Tony tells me, “But we ...

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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 ... rather than what you want. Paying your credit card balance in ...

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Blindsided by unexpected debt

... The couple found themselves in debt … Continue reading "Blindsided by unexpected ... ... As well as paying off all of their debts, they had also ... reducing financial stress and the fastest way to get back on ...

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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. ... a cheaper car and pay off the outstanding loan in full. But ... new loan when your aim should be to eradicate your debt.) The ...

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Home loan rate cuts: how to budget the savings

... and circumstances. … Continue reading "Home loan rate cuts: how to budget ... ... , charge cards or other loans. Consider this: Paying $100 a month, it ... ) Want to pay off your mortgage faster? If you keep paying the extra ...

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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 ... use any spare cash to pay off debts before you start saving. ...

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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 ... you progressing towards your goals faster than you expected? It's okay ... debts are paid off? Save for a house? A holiday? Pay down other loans ...

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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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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 ... , a personal loan, a study loan and a Centrelink debt. All of Alysa's ... someone really cared.” To pay down her debt as quickly as possible ...

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7 Ways to Pay Off Your Credit Card Faster

... you stressed about credit card debt? Feel like you never ... alone. Australia's combined credit card debt is worth around $50 ... billion. But this ... they can use to pay off their debts faster. 2. Talk with your ... years. Want to pay off your credit card debt faster? Call MyBudget on ...

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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 ... avoid bad debt and pay off any high-interest bearing debts as fast as you ...

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Cheap speed

... , cost-wise alternative to buying a fast car? According to Ian Williams ... ... , cost-wise alternative to buying a fast car? According to Ian Williams ... , you probably can't understand how fast and exciting it is. When ...

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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 ... known as “good” debt. Whereas “bad” debt describes loans for things that lose ... payroll deposit part of your pay directly into a separate savings ...

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Turbo boost your budget

Do you need to boost your budget in a big way? I usually focus on small budget changes that add up into big savings over time. But sometimes small changes aren't enough ... Nicole. She paid off $40,000 in credit card debt in less ... finances, but it's amazing how fast things can turn around if ...

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Understanding insolvency (bankruptcy and Part IX debt agreements)

... with increasing amounts of unsecured debt. Personal loans, credit cards and mobile ... , and bankruptcy or a formal debt agreement seem like ... with increasing amounts of unsecured debt. Personal loans, credit cards and mobile ... able to pay their way out of debt through alternative debt solutions. But ...

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Hidden costs of buying a home (infographic)

Using the national median residential dwelling price of $576,100, we explore the costs of buying a home. What are the hidden extras you need to budget for? ... into it Pay off any existing debts, especially high interest loans and credit ... a customised budget plan to fast track your savings.

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Money misconceptions: four financial fictions

Last year I participated in a fundraising debate where I had to argue for the affirmative team that money buys happiness. That's not my personal opinion, but I was happy ... The hours went by much faster when I was wearing a ... ) Most people can pay their way out of debt without needing more ...

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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 ... that meant they couldn't pay off the loan in the interest-free period. ... Either way, it pays for us ...

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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 ... balance to pay. Leasing repayments are usually lower than loan repayments on ... need to include registration, insurance, loan repayments (if any), petrol, servicing ...

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New budget planning tools for you

... increasing your loan payments? Or how much interest you'll pay on ... ... increasing your loan payments? Or how much interest you’ll pay on ... a home, pay off your credit card, shorten your loan term or ...

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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 ... securitisations. However, the cost of paying higher interest on savings has ... MyBudget clients home loan refinancing, mortgages, and car loans with flexible terms ...

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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 ... , which includes bankruptcy and formal debt agreements, and; Defaults. A default ... to issue default notices after loan payments have been missed for ...

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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 ... a bottom-feeding loan shark. If you're finding it hard to pay your ... the bottlenecks are. If your debts are stretching you, you'll be ...

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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: ... get ahead faster.” • “I paid off $25,000 of credit card debt in ... and achieve their financial goals faster. All MyBudget journeys begin at ...

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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 ... widely fluctuating income from one pay to the next. Contractors and ... take on any debt (that includes a home loan) that would be ...

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Aussie credit card bill reaches record high

On 16 January, 2010, the Sunday Mail reported that Australia's total credit card bill has reached a record high of $48.8 billion. Combined with the highest interest rates ... expenses. Unfortunately, however, credit card debt has a habit of snowballing. ... sounds tough, but it's the fastest way to become disciplined and ...

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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 ... properties are sold, participants will pay the proportional beneficial interest, which ...

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Affordable children's parties

... Beckhams - is one of the fastest ways to find your finances ... ... Beckhams — is one of the fastest ways to find your finances ... — bowling centres, indoor play centres, fast food restaurants… I’ve done ...

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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 ... have multiple credit cards, personal loans and a lavish lifestyle. Why ...

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Aussies getting serious about saving

... show that Aussies are reducing debt and starting to save again. ... ... increasing while demand for home loans has been declining, suggesting that ... of the household debt pie? 12 years to pay off the average ...

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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 ... ... pie. By 2002, average household debt exceeded annual disposable income, which ... heavily on household debt. Credit card debt and personal loans are other significant ...

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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 ... reverted to high-interest bearing loans. “I was paying one credit card with ...

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5 tips that make starting a budget easier

The New Financial Year is here and you've decided to get financially fit. Great work! But I know from experience that the structure of budgeting can take some getting ... setting aside savings from each pay are micro-actions that snowball into ... to find out how to fast track your financial goals and ...

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Countdown to Christmas: 13 weeks!

Psst! It's only 13 weeks until Christmas! Get yourself prepared for one of the most expensive times of the year with our handy budget checklist. For MyBudget clients ... kennels will be filling up fast. If you have multiple animals ... reflects the income you'll be paid over Christmas—this is especially ...

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Mortgages going down faster but first-home buyers struggling

A new report has found that Australians are paying down their mortgages faster. A quarter of Australians own their home outright, compared with 16 percent ... found that Australians are paying down their mortgages faster. A quarter of ... Australians opting for saving and debt reduction over spending. The ageing ...

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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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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 ... , charge cards, loans, telephone accounts—any bill or debt to which you ... or they're left to pay a pile of debt they didn't incur ...

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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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MyBudget’s HQ moves to the Adelaide CBD

Adelaide Lord Mayor Michael Harbison opened MyBudget House, located at 144 North Terrace, on November 4, 2010. MyBudget's new headquarters accommodate 45 staff and provide ... talking to their creditors and paying their bills for them, and ... ranked 52nd in BRW’s Fast 100 list. The real proof ...

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MyBudget’s HQ moves to the Adelaide CBD

Adelaide Lord Mayor Michael Harbison opened MyBudget House, located at 144 North Terrace, on November 4, 2010. MyBudget's new headquarters accommodate 45 staff and provide ... talking to their creditors and paying their bills for them, and ... ranked 52nd in BRW’s Fast 100 list. The real proof ...

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Aussies spending big on tourism

It's official-we can't stay put! The number of Australians taking overseas trips has doubled in the last 10 years and our annual expenditure has reached a whopping $33 ... a customised budget plan to fast track your savings.

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School holidays on a budget

School holidays are coming up which means those of us with kids are busy plotting ways to keep them entertained. Here are my tips for enjoying the holidays without breaking ... (get in early, they go fast), and all have books, CDs ...

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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 ... principal which allows the debt to be paid off sooner. So where ...

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What's all the buzz about Bitcoin?

I read in the paper that an Australian real estate agency is accepting Bitcoin for house deposits and advertising payments, and there's now a Bitcoin ATM in the food ... fact, the transaction is as fast as sending an email. Currently ...

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Motor racing on a budget

I went to watch the V8 Supercars at the Clipsal 500 again this year. What a great weekend. There's something exhilarating about the union of humans and high performance ... safe and affordable alternative to fast cars. According to the motor ...

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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 ... for discounts (eg. RAA members pay $15 for two games at ... , TV shows and documentaries for loan. Some also have toys and ...

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10 credit card facts you need to know

I got this question from a MoneyTalks reader: "My younger brother has just turned 20 and landed his first regular job. To mark the occasion, he's applied for a credit ... expenses crop up. Suddenly, their debt became unmanageable and they found ... percent per annum. If you're paying interest on your purchases, any ...

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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 ... make sure that you aren't paying too much for borrowed money. ...

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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 ... we have managed to become debt free and during that time ... became less with MyBudget handling paying our debts we were able to ...

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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 ... why it pays to talk to someone independent about debt help. At ...

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Step-by-step guide to goal setting for money management

The aim is that by the end of this five-step process, your goals (combined with your MyBudget budget) will represent a money map for the year ahead and beyond. Step 1 ... be debt-free, specify exactly which debts you're going to reduce this ... your plan? Are you progressing faster than you expected? Are there ...

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Beware of CBA credit card offer

When it comes to credit card promotions, I thought I'd seen everything. "Free" frequent flyer points, gift catalogues, prizes, balance transfer offers, zero interest ... offer from the Commonwealth Bank: “Pay $1 and get $100 cash ... a qualifying CBA account or loan” when you apply for the ...

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12 years to pay off average credit card debt

Aussies owe more than $50 billion in credit card debt. The average card balance is $3,282. Doesn't sound too bad, right? Hmm… ... $50 billion in credit card debt. The average card balance is ... rates. The key is to pay down your credit card balances ...

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Motivation to save money and stay on track

Are you participating in the Buy Nothing New in May Challenge? I'm loving the great tips and comments on MyBudget Buzz. Please keep us updated! Here are some quick quotes ... goods is one of the fastest growing types of waste (ABS ... of Statistics Australia's credit card debt has reached nearly $50 billion. ...

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10 tips for a debt-free holiday

... the baggage of credit card debt behind. These quick tips will ... ... the baggage of credit card debt behind. These quick tips will ... the local supermarket (much cheaper!) Pay for drinks and meals with ...

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Too many bills, not enough money

... as much to people in paid employment … Continue reading "Too many ... ... to prioritise their bills and debts, most people say that their ... a credit card or other loans to fall back on. If ...

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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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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, it ... her home twice to pay off credit card debt, and each time ... ended up with more debt than before because nothing in ...

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Is peer pressure keeping you poor?

This article appears in issue 4 of Samara Magazine, a free online magazine for women business owners and entrepreneurs. Helping people to succeed and achieve their life ... business model demands going into debt for luxury cars, expensive clothes ... they're unlikely to ever escape debt and become financially independent. On ...

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For richer or poorer: budget wedding ideas

Love is free, right? Not according to Bride To Be magazine whose 2010 survey found that the average Australian wedding costs $49,000. At MyBudget, we often see couples ... you will not go into debt for your wedding. This means ... create a savings plan to pay for your big day. Vow ...

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Free job training and new skills for Australians

Have you ever dreamed of doing a different job? Do you wish you could get knew skills or upgrade your existing ones? The Commonwealth Government's Skills for All Australians ... skills are growing 2.5 times faster than low skilled jobs. To ... Skills For All initiative. HECS-style loans (previously only available to uni ...

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Mr Obama, please contact MyBudget

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

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Reflect on your achievements & priorities

... client for swimming against the debt current. The fallout from the ... world debt crisis will continue next year ... ... client for swimming against the debt current. The fallout from the ... world debt crisis will continue next year ...

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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 ... Have a proportion of your pay deposited directly into this account ...

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More people using Google for debt help

... our times that the words "debt" … Continue reading "More people using ... ... our times that the words “debt” and “help” featured prominently in ... They want to reduce their debt and get savings behind them ...

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Fun (and frugal) Father's Day gift ideas

In recent weeks on the blog, we've talked about increasing the amount of joy in our lives by spending money on experiences instead of "stuff". "Stuff" loses its gloss ... bowls) are often available for loan in toy libraries. Play in ...

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