Author: Darren

Whether it’s for buying furniture, a car, or a home, the majority of Australians have used debt. For most, repaying debt is a formality, but for others who cannot manage their debt, it can be the first step on the slope to bankruptcy. Fortunately, alternatives...

When choosing the right type of loan to suit your needs now and into the future, there are many factors to consider. What is the purpose of the loan? Credit cards provide immediate access to credit that can be used for many purposes, but the interest rate...

The Australian Bureau of Statistics estimates that the average amount of money Australian home-owners owe on mortgages, credit cards and personal loans combined comes to approximately $85,400 per household. Obviously, many have more debt than that – but over $85,000 is a substantial debt. Take heart...

Buying a house is probably the biggest financial commitment we make in our lives, so it's not a decision to be taken lightly. Most people need to borrow money to buy a house. Although this is obviously important, there is more to buying a house than...

The word “thrifty” is rarely thought of in a positive sense but that’s not fair because if we continually spend more than we earn, our debts will eventually catch up and other words such as “default” or “bankrupt” might become more familiar.  Being thrifty doesn’t mean...

We’ve all heard about the “lost billions” sitting in idle superannuation funds around Australia but are you aware of what’s happening to hundreds of millions of dollars sitting in “inactive” bank accounts? Read on, you may be very surprised. Did you know that the Australian Securities...

Still living at home? It might be an inexpensive lifestyle but if you’re not using this time to start planning your future, you’re not doing yourself any favours. According to the Australian Bureau of Statistics, in 2011 29% of people aged 18-34 were living at home...

When developing a budget, it’s easy to think that you have no control over costs for essential items such as electricity, particularly when every bill seems to be higher than the last. But if you look closely at your energy usage at home and make...

We all need something to look forward to and for many members of Generation X the lure of discount airfares and package deals are irresistible; others have luxury holidays high on the agenda. And why not? We all love a holiday and what’s more, happiness, apparently,...