Money Management
What Happens if you Stop Paying Your Credit Card Bill?
Ever tried not paying your credit card bill at the end of the month? Sometimes when you’re swamped with bills and not very organised you can let things slip, but this will have nasty consequences. So if you are in any doubt as to why you should keep paying, here’s some clarity for you!
5 Things That Damage Your Credit Score
You credit score. Is it just a nominal number not worth worrying about, or is it a number you should take an active interest in? For many in Australia the credit rating system is something not to be taken seriously, but that little number can have a significant and direct bearing on your life. Would [...]
A Guide to Balance Transfer Limits
All the credit card mumbo-jumbo floating about can get very confusing sometimes so let’s take a simple look at some of the issues surrounding balance transfer limits in language we can all understand. What is a Balance Transfer Limit? A balance transfer limit is the limitation set on how much debt or ‘balance’ you can [...]
Spavers of the World, Chill Out
With the mornings getting colder, and my caffeine tolerance getting higher and higher, to get out of bed each morning I rely more and more heavily on the knowledge that there will be an inbox full of daily deal emails awaiting me. Australian deal sites use a similar model to that developed by the US [...]
Are Platinum Credit Cards Worth it?
The platinum credit card. A world of rewards, privileges and benefits or an easy way to lose money? For many people, being the proud owner of a platinum card is proof, if any was needed, that they’ve made it in this world. But many others sitting on the fence may ask if the additional cost [...]
The Problem of Minimum Payments
Credit cards are a powerful purchasing tool that must be managed correctly to prevent undue financial hardship. Most cardholders open a credit card account with the intention of paying the balance in full each month, but then an unexpected event occurs. The first time a balance is carried over, the debtor realizes that the minimum [...]
The Correct Attitudes to Eliminate Credit Card Debt
No matter how you got into debt, if you’re in it and don’t want to be, there are certain attitudes that will help you on your way to the land of the debt free. This isn’t the ‘how-to’ practical blog for getting out of debt. If you’re looking for that, check out this post. Instead, [...]
Student Credit Cards vs. Student Loans
In a world where it seems that everything from household groceries to cars and homes are bought through a card, it is essential that everyone learns to handle a credit card responsibly. This can partially be achieved by placing some burden of debt on university students through the use of credit cards and/or student loans. [...]
The Cash Back Credit Card Checklist
Cash back credit cards can be a great way to earn rewards provided you have the discipline to limit your purchases to those you can pay off in full each and every month. The majority of these cards offer the user between 1 – 5 per cent cash back on all purchases, although there are [...]
8 Reasons to Change Credit Cards, Now!
If you’re like a lot of people, you may have found yourself in a scenario like this… you signed up for a credit card that sounded good at the time because it had introductory offers but you’re now finding it’s costing you more than you thought.
David Boyd
Andrew Boyd
St.George Vertigo MasterCard
ANZ Low Rate MasterCard
Bankwest Breeze MasterCard
ANZ Platinum Credit Card
Westpac Altitude Credit Card