DEBT MANAGEMENT

Tap and go – is it too easy to use our credit cards?

Talk about hammering the plastic. In November 2016 Australia’s 16.7 million credit card accounts were used to make 226 million transactions with a total value of $27.8 billion. We are …

Tap and go – is it too easy to use our credit cards? Read More »

Super or the mortgage – a case study

Many people wait until their home loan is paid off before investing more in super. However, if you are currently making more than the minimum home loan repayments, you may …

Super or the mortgage – a case study Read More »

Offset accounts: A better way to manage your mortgage

If you want to repay your mortgage quickly and still have easy access to your additional repayments, an offset account may be worth using. What is an offset account? An …

Offset accounts: A better way to manage your mortgage Read More »

7 ways to de-stress a mortgage

“Don’t sail out farther than you can row back.” This Danish saying is sound advice for anyone thinking of borrowing to buy a home, particularly now that interest rates are …

7 ways to de-stress a mortgage Read More »

A tale of two retirements – which would you choose?

Sam and Sally Smith have worked hard all their lives, paid their taxes and, now they have retired, they feel they are entitled to a full age pension. Jan and …

A tale of two retirements – which would you choose? Read More »

What is an annuity?

The term ‘Annuity’ is often mentioned in the financial press or TV advertising, but what actually are annuities and how do they work in practice? The word annuity itself originates …

What is an annuity? Read More »

Should I Refinance?

Where to start? An accredited mortgage broker can help weigh up your options. Refinancing a mortgage can be daunting. Fees, fixed versus variable interest rates and monthly charges all need …

Should I Refinance? Read More »

Inflation-proofing your retirement

Without the benefit of a crystal ball, it’s impossible to determine exactly how much one person will need to meet their individual retirement needs. We often hear that we’re living …

Inflation-proofing your retirement Read More »

Time to reflect

Many people use the Christmas/New Year period to reflect on the year that has just passed, often in a blur, and begin thinking about the future and how to achieve …

Time to reflect Read More »

The best ways to maximise your rewards points

Credit card reward points, most of us have access to them but how do we get the best use out of them…..the answer is NOT to spend more on your …

The best ways to maximise your rewards points Read More »

To fix or not to fix?

With two interest rate drops already by the Reserve Bank in 2012 and possibly more to come, the banks have reduced their longer term interest rates to a level sometimes …

To fix or not to fix? Read More »

Many oil and gas workers still struggling despite the boom

The work life of an oil and gas worker isn’t for everyone: 12 hour days on a platform in the middle of an ocean with nights spent in confined, shared …

Many oil and gas workers still struggling despite the boom Read More »

Scroll to Top