A mortgage offset account is a great way of using your savings to reduce the amount of interest you will pay on your home loan. If you are unfamiliar with an off-set account, it is essentially a transaction account that is linked to your home loan, where the credit balance of… Read more
Viewing posts tagged with: credit
Money for your children’s school
With the increasing financial burden placed on parents as the recession continues, having children has been put on the back burner for many. With many cash strapped parents who already have a family turning to pay day and cash loans to make ends meet, and with new high street lenders popping up all the… Read more
Start Your Financial Planning By Reviewing Your Credit Report
Keeping an eye on your credit report is one financial task that remains important throughout every stage of life, from just starting out through to retirement. Any serious financial planning requires that you first understand your current situation. Reviewing your report on a regular basis will also allow you to see how closely you… Read more
The road to good credit
There is a cool infographic about how you can improve your credit. Having a good credit is important even if you have no debt, because the day you will want a mortgage or a new credit card, the rate on said items will be a direct correlation of your credit score. Thankfully, with a few… Read more
Financial goals update, May-June 2013
On January 1st, I set a number of financial goals, and will update every couple of months through the year. Here is the third review. You can check the January-February one here and March-April there. The main financial goal was to grow my net worth by 30%. After spending over $40K in house renovations and… Read more
More breathing room in your budget: tackling the bigger items
Last week on my post about money, time and values, I talked about things that I do that would save me a few cents and take a lot of time. I still chose to do them because my values dictated it, however, if the main goal is to help you get more breathing room… Read more
‘Bad credit’ credit cards – everything you need to know
Let’s say you’ve taken a look at your credit report, only to find that your credit score has been scuppered and you are now being rejected for credit cards or loans. How can you get back to where you once were if you keep getting rejected? The answer may be: ‘bad credit’ credit… Read more
Getting some cash for the holidays
Going on holiday? If you’re planning a summer break and the purse strings won’t stretch as far as the spending money it’s a big worry but don’t despair, help is at hand in the shape of a payday loan. When the month really does seem too long, and that much needed beach break is looming… Read more
Protecting your business
Financial independence doesn’t always just concern you directly. If you run a business, including self-employment, there are additional factors you need to consider. After all, the success and well being of your business is directly related to you. Any financial difficulties faced in the former will almost certainly have consequences in the latter…. Read more
Are you an average couple?
Today I am answering money questions for couples that were published on DINKs finance. What are your answers? You can read the answers of Taylor from Repaid.org, Jay from The First Million is the Hardest, Money Beagle and J.Money from Budgets Are Sexy. 1. Would you discuss money on the first date? Sure. Or at… Read more