checking credit history
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checking credit history

It’s always a good time to check your credit history If you’re considering applying for a quick cash loan, you may be wondering if your credit is good enough. If you’ve run into some financial trouble like lots of bills hitting you at once, an car accident that requires you to pay an excess or...

What is a recession?
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What is a recession?

Finance explained: what is a recession? Many of you may be following the news about the G20 in Brisbane. Some of the reports centred on Japan and its economy. Its bad news for people in Japan, as their economy is now in recession. The word “recession” has been on people’s minds since about 2007, when...

What is an overdraft?
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What is an overdraft?

Finance explained: What is an overdraft? Many of us have smartphones and use them to track our banking. The big four Australian banks all have apps for Apple and Android, and many of the smaller banks and credit unions are starting to offer them as well. Occasionally, you might get notifications about offers through your...

Retail interest free deals
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Retail interest free deals

Finance explained: Retail interest free deals The end of the year is fast approaching. We all know what that means – Christmas! We all love getting and buying presents, sometimes more for ourselves than anyone else. But the urge to splurge comes in many different forms. Retailers will try to entice people to buy big...

What is a debit card?
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What is a debit card?

Finance explained: what is a debit card? The amount of plastic cards in our wallets and purses seems to go up and up over the years. In the wake of new technology such as PayPass or PayWave, its easier than ever before to make purchases on credit. But with credit comes credit card interest rates...

Making and sticking to financial New Year’s resolutions
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Making and sticking to financial New Year’s resolutions

Making and sticking to financial New Year’s resolutions Happy New Year! We hope you had a rest over the Christmas/New Year break. One thing that probably didn’t was your wallet. Christmas time can really give your finances a hiding. Buying presents for your family and friends, all the extra food you might need, going on...

Term deposits vs. High-interest bank accounts
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Term deposits vs. High-interest bank accounts

Term deposits vs. High-interest bank accounts You may have noticed a lot of advertising, especially in the last few years, around high-interest bank accounts. These are bank accounts that reward people with a higher-than-average interest rate on their deposits if they meet certain conditions. In some circles, they’re becoming more sought-after than “traditional” higher-yield term...

Stack method? What is the snowball method?
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Stack method? What is the snowball method?

Finance explained: What is the stack method? What is the snowball method? All of us have some kind of debt to pay back. It could be a mortgage, personal loan debt, car loan debt, student debt or credit card debt. According to the Australian Bureau of Statistics, 70% of all Australians have some kind of...

Paying off your mortgage sooner
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Paying off your mortgage sooner

Tips: Paying off your mortgage sooner The Great Australian dream is to own your own home. Some house prices are at ecord highs and seeming to stay that way. It’s much harder for a lot of Australian families, particularly younger families to save on home loans. Taking on a mortgage is a big life decision....

Small cash loans vs credit card cash advances
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Small cash loans vs credit card cash advances

You may be one of the 14 million Australians with a credit card out there. You may use it here and there for something indulgent or when you’re a bit short on cash and need to buy groceries or supplies. Many people don’t know it, but credit cards can be used to take out small...

Loan ID and document checklist
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Loan ID and document checklist

Loan ID and document checklist If you’re looking for a big loan, like a mortgage or a car loan, you will need a lot of documentation when you apply. Some loans such as low doc or no doc loans are available, but these are reserved for special cases. Read our blog on those types of...

instant small loans
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instant small loans

Instant small loans online – tips, safeguards and benefits It’s a fact of life: at some point, many people need help with their finances. A whole stack of factors could add up and throw a spanner into your bank balance, credit history or overall financial position. Many people and families need to raise cash quickly...