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- Be nice to the staff at your bank (CEOs and high paid people don’t count ;))
- Are You Struggling From Financial Stress and Finding Your Financial Institution is Making it Worse?
- What to do when you want to Switch Banks
- Have you seen the Bank Ownership Tree?
- Investing in the Banks – it may be the only way to keep up with them
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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: Understanding Banks
Are You Struggling From Financial Stress and Finding Your Financial Institution is Making it Worse?
Suffering from Financial Stress? Before things get really bad make sure you read this. For your own mental health and stress levels (and the sake of your family) have a look at the suggestions below: Talk to someone who really … Continue reading
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
Have you seen the Bank Ownership Tree?
NAB certainly hasn’t broken up with the Big Four. In fact almost all of the Aussie banks are just one big happy family sending money to the same groups of shareholders and disregarding you the customer. Visit this page on … Continue reading
One Big Switch Sends Interesting Email
Now might be the time for a bank change. Here’s a deal that definitely looks like it’s worth a phone call. Continue reading
Banks and Credit Unions that have passed on the Dec 6 2012 Rate Cut in Full
Some banks have passed the 0.25% rate cut that the RBA announced on Tuesday in full. Others have not. So, if your bank is one that has not, we suggest that you look at getting a better deal with the … 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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A Bank Error to Keep an Eye Out For
A fan of our website recently wrote to us to inform of us of a glitch in the banking system that would have resulted in him paying extra fees had he not made a query with the bank. As he … Continue reading
Posted in Bank Fees, Bank Information, Customer Relations, Personal Finance, Unfair Banking
Tagged ANZ, australia and new zealand banking, bank error, bank fees, bank glitch, CBA, citi bank, citi group, citibank, citigroup, commbank, Commonwealth Bank, NAB, National Australia Bank, unfair bank fees, WBC, Westpac
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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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Move your Money with Ditch The Banks Day 30th June 2012
This was Facebook posted by Ditch The Banks Day 2012 – an Aussie Group who are doing an Aussie version of the U.S Bank Transfer Day Credit Unions Vs. Banks: What’s The Difference? What Works Best? The ongoing credit unions … Continue reading
Posted in Bank Competition, Guest Posts, Uncategorized
Tagged bank transfer day, banks, credit union, credit unions, ditch the bank day, move your money
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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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Suncorp Isn’t Owned by the Big Four But the Shareholders Who Own the Big Four Own Suncorp
On my way along Warringah Road yesterday, I saw a big shiny billboard with a huge Suncorp advertisement on it. The billboard read, “We’re not owned by the Big Four. So why should you be?” This piqued my interest as … Continue reading
One Big Switch – All their Ducks are in a Row. But are they in Line with Yours?
Over the last few weeks, One Big Switch has been emailing out offers to the 40,000 Australians who signed up for their Choice Big Switch Campaign. Here at Spank Your Bank we’ve seen a mix of very positive and very … Continue reading
Claiming your Medical Tax Offset
T9 on your tax return is one itty bitty question that could add to your tax return. Continue reading
Posted in Personal Finance, Personal Tax
Tagged budget, doing your tax, expense claiming, medical expenses, tax offset
1 Comment
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