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Three Simple Tips to Keep a Good Credit Rating

Gaining and maintaining good credit is one of the most important things a person can do for themselves. Credit is something that is often confusing to people who are looking to start building their credit and a daily necessity to those that have an established history. Following the Global Financial Crisis (GFC), Australia is now using a system wh...

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Why budgets don’t work!

Budgets are a bit like driving your car down the road with your windscreen totally blacked out only looking through the rear vision mirror - they simply measure history but that’s not enough.  Let me illustrate. Have you ever been guilty of impulse spending?  Whether it’s the pair of jeans you bought when you were meant to be just wind...

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Credit Card & Refinancing Debt

Ok, so the festive season has passed and the credit card and bank statements are starting to hit the inbox or the letter box for us old timers.  A good festive season was had by all on the plastic, but now’s the time to find the cash flow to pay it off to ensure the interest we pay remains the lowest possible. Other than a short term fix of s...

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