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SyB stumbled upon a young mum with two toddlers and a large mortgage. Her job is to find out about everything that the banks are less keen for you to know and to tell you ALL about it!
Category Archives: Budgeting Advice
What to do when you want to Switch Banks
The banks may be in business for a profit, but it is time to remind them that it pays to put customers NOT shareholders first. Whether you’re refinancing or applying for your first loan, we believe that the best strategy … Continue reading
How Much Can I Borrow For My Mortgage?
When putting together your Mortgage To-Do List, working out how much you can borrow is an important step. Continue reading
Posted in Budgeting Advice, Home Loan Help, Uncategorized
Tagged applying for a mortgage, borrow, credit union, how much can I afford to borrow, how much can i borrow, how much can i borrow from the bank, how much can you borrow, how much can you borrow for a mortgage, how much do i need to buy a house, mortgage broker, mortgage calculator, mortgage referrer, to borrow, your mortgage calculator
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What happens if I don’t pay my Phone Bill?
As an 18 year old, you are now legally obliged to pay your bills. If you can’t, there can be problems. But, if you don’t do anything about the fact that you can’t, then there can be plenty more long term unexpected problems… like when you grow up a little more and decide to buy your first home and the bank sees you’ve got a black mark on your credit. Continue reading
Posted in Credit Card Advice, Dealing with Debt, Financial Stress, Money Management for Young Adults, Personal Debt
Tagged affect credit, can t pay phone bill, credit card credit check, credit management, debt money, get debt free, if you don t pay your credit card, Money management, pay telephone bill, what happens if i don't pay my phone bill, young adults in debt
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How do I help my child who is now a young adult deal with their debt? – Part Two
Part One on of this post looked at why young adults are experiencing so much difficulty with financial debt. To read more about that, click here. To read more about helping your grown up child with debt, please continue reading … Continue reading
Posted in Budgeting Advice, Credit Card Advice, Financial Stress, Personal Debt, Teaching Your Children About Money, Tips on Saving
Tagged adult children living home, debt students, debt today, finance tips, grown children, help child, helping your child, money debt, teach kids about money, teaching about money, young people in debt, young people money management, youth debt
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How do I help my child who is now a young adult deal with their debt? – Part One
I’ve joined the ball game late. How do I help my child who is now a young adult deal with their debt? Continue reading
Posted in Budgeting Advice, Credit Card Advice, Financial Stress, Kids AND a Mortgage, Personal Debt, Personal Finance, Teaching Your Children About Money, Tips on Saving
Tagged adult children living home, debt students, debt today, finance tips, grown children, help child, helping your child, money debt, teach kids about money, teaching about money, young people in debt, young people money management, youth debt
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Staying on Top of The Big Four
As frustrating as it can be, I understand the reality that sometimes it makes sense to go to the Big Four for your home loan. Yes they are profit mongerers and Yes, they will take us for every cent we … Continue reading
Posted in Bank Competition, Budgeting Advice, Home Loan Help, Mortgage Brokers, Refinancing
Tagged ANZ, australia bank, australian banks, bank smart, big 4, Big Four, CBA, Comm Bank, common wealth bank, Commonwealth Bank, credit union, internet banking, mortgage, mortgage help, NAB, National Australia Bank, national bank, one big switch, personal banking, refinance, refunds direct, WBC, Westpac
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Kids AND a Mortgage – Is it Possible? Solution Five: Refinance
The borrowing situation has improved a lot in the last 12 months and there are loads of deals to be had. Unfortunately your lender is unlikely to be willing to offer you a deal until you’re walking out their door … Continue reading
Posted in Kids AND a Mortgage, Refinancing
Tagged credit union, mortgage broker, one big switch, refinancing, saving money
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Kids AND a Mortgage – Is it Possible? Solution Four: Start a Trend, don’t buy your kids Everything
As a parent I feel a constant pressure to keep my child up to date with the latest cool gadgets around – especially if little Johnny up the road has one already. I’m also guilty of buying way too much … Continue reading
Kids AND a Mortgage – Is it Possible? Solution Three: Buy something and rent it out for 6 – 12 months while you live with your parents
It is possible to save a huge amount of money by moving in with close relatives (typically it’s only parents who will put up with this, though siblings are an option too) and sharing living costs for a while.
Kids AND a Mortgage – Is it Possible? Solution Two: Buy Somewhere Cheaper
Have you thought of a Sea Change or a Country Change? There are a number of government grants available in different states to people considering moving out of the city to rural areas. By “rural” we mean…you can still live … Continue reading
Kids AND a Mortgage – Is it Possible? Solution One: Buy Something Cheaper
It’s really hard to skip over the bright and shiny and settle for mission brown, but it’s even harder to keep up with a mortgage that you can’t afford. So when you’re looking for your home, think small, think structurally … Continue reading
Kids AND a Mortgage – Is it Possible?
The US Department of Agriculture recently reported that the cost of raising a child born in 2008 to the age of 18 in a middle income family is about $291,570 (that’s factoring in inflation). Assuming that the typical Aussie family … Continue reading
Can I Afford This Mortgage for 25 years?
A mortgage is a massive commitment. In fact the traditional time commitment of a mortgage is the same as a life sentence in gaol…hmmm coincidence? That is the number one thing you need to remember when considering how much you … Continue reading
Excellent Idea for Mums and Dads from Simple Savings
Simple Savings is a great website filled with a myriad of innovative tips on how to not need money in order to need to earn less money. I subscribe to their weekly email which includes a savings tip of the … Continue reading
What is One Big Switch? Is it a con? Will it help? Is it for me? Who is Choice and Who is One Big Switch?
If you’re talking home loans, One Big Switch seems to be the three words on everyone’s lips at the moment. But what is it? Is it a con? Will it actually help? Will it actually help YOU? – and finally, … Continue reading
Posted in Bank Competition, Budgeting Advice, Home Loan Help, In the News, Interest Rates, Mortgage Brokers, Refinancing
Tagged barefoot investor, budget, budgeting, choice one big switch, finding a homeloan, homeloan, is one big switch any good, mortgage, one big switch, refinancing, scott pape, SyB
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Is HSBC Entering the Fray with the Big Four?
HSBC owns the majority share in all of Australia’s major banks (and a few more at that). I guess, because of this, they don’t seem to care too much about competing with their children – well at least I haven’t … Continue reading
Posted in Bank Competition, Bank Fees, Budgeting Advice, Credit Card Advice, Interest Rates, Savings Accounts
Tagged account fees, ANZ, budgeting, CBA, commbank, Commonwealth Bank, credit card, credit card fees, Feebate, HSBC, NAB, National Australia Bank, savings account, spank your bank, SyB, transaction account, WBC, Westpac
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How to Deal with Interest Rates on the Rise
All of the media reports talking about the looming interest rate rise have me shaking in my boots. The latest I’ve heard is that there will be at least two hearty rate rises this year. An interest rate rise for … Continue reading
Group Buying Deals – Are they as Good as they Look?
Do you subscribe to a group buying deal email? I do…Well actually I subscribe to three. How incredibly cool are some of the deals? Have you purchased much via group buying? I’m guessing that if you haven’t tried it yet, … Continue reading
Posted in Budgeting Advice, Group Buying Deals, Marketing, Personal Finance, Tips on Saving
Tagged all the deals, budgeting, cudo, daily deals, discount vouchers, group buying, group on, jump on it, living social, online review, red vouchers, saving, saving money, Sccopon, Scoop On, wasting money
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Staying On Track with GST and Expenses – A Handy App
As I’m sure you have guessed, I love my Hubby. However, there are times when I raise my eyes and sigh melodramatically at the madness in his business method.
Posted in Account Management, Budgeting Advice, Budgeting Tips for Business, Business Budgeting, In the News, Personal Finance, Tips on Saving
Tagged accounting, android app, bas, business, business activity statement, business budgeting, business receipts, doing your own accounts, Easy VAT, expenses, GST, iphone, iphone app, keeping up with expenses, making VAT easy, phone application, receipts, saving time on your accounts, spreadsheet, tax, tax receipt log, Value Added Tax, VAT
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Tips For Teaching Your Child How to Budget Part Six of Saving Money For Your Kids
Below is a list of tips we’ve compiled that offer suggestions for teaching your kids about money and how to use it to their advantage. If you can know of anymore please let us know! Get your kids to write … Continue reading
Posted in Account Management, Bank Fees, Bank Information, Budgeting Advice, Personal Finance, Saving Money For Your Kids, Teaching Your Children About Money, Tips on Saving, Understanding Banks
Tagged accountant, ANZ, bank loyalty, banks, BankWest, budget, budgeting, CBA, children's savings accounts, Commonwealth Bank, comparing banks, credit card, earning interest, interest, NAB, pocket money, shopping, spank, SyB, tax, term deposit, trust fund, WBC, Westpac
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