How to improve my finances
You can feel quite overwhelmed if you are under financial pressure and this is not good for you and those around you like family and friends. It’s very easy to allow the emotions to kick in, the stomach to churn, to loose sleep, and to feel as though you have an insurmountable mountain to climb.
Tax Return Advice
With the financial year having just ended the words on most people’s lips right now are “How much tax will I get back? “ For many receiving a tax refund is an important part of the annual budget and not receiving it can leave a serious shortfall in finances.
What Size Mortgage Can I Afford?
Purchasing your first home is a big step and, for many people, represents the most significant financial commitment they will make during their lifetime.
Guaranteeing Your Child’s Home Loan
We all like to help our children get ahead in life, particularly when it comes to offering financial support. For those without the ability to contribute direct funds to their child’s first home the next most obvious option is to act as guarantor on the mortgage.
First home buyers advice
If you’re a follower of statistics you won’t be enjoying the unhappy reading that comes out of Canberra on a regular basis about the prospects of home ownership in Australia.
Mortgage Refinance Advice
Remember when you bought your first home? The excitement of getting the offer accepted and the contract confirmed? I’m sure you won’t forget the day you moved house and finally had a place to call your own. You probably felt you had moved into a mansion – yet in a surprisingly quick period of time the house soon fills with items and the kids start getting bigger and wanting their own space. Before you know it that driveway is full of bikes and vehicles and everyone wants their own bathroom and television. Suddenly your mansion doesn’t feel so big anymore!
Five Year Plan to Clear Debt
If you grew up in the 1950’s and 1960’s you will have noticed some major changes in lifestyle choices available compared to what your parents had. One of the biggest drivers of this has been the easy accessibility of credit and the ability of individuals and families to fuel their lifestyle through the use of debt. Our parents paid cash for most things they bought. These days most major purchases are funded on credit with a double income required to support the cost.
Rent versus Buy Housing Advice
Accommodation lifestyles can be divided into two simple categories – those who choose to rent their accommodation and those who choose to own it. If you’re a millenial considering becoming a first home buyer there are a few factors you need to consider.
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