Blog Archives

How do you and your partner manage your finances?

www.nomoney.com.au   I read an interesting article from Forbes. It claimed that the way that you and your partner manage your finances might not be the best way.   How do you and your partner handle your finances? Every couple

Posted in Debt, Goals & Personal Development, Saving Money

Should you pay your uni course fees upfront or earn interest instead?

www.nomoney.com.au   If you are at uni and have a bit of spare cash (or your parents do), you might be considering paying your course fees upfront so that you don’t go onto the HELP (previously called HECS) system.  

Posted in Debt, Uni

HELP/HECS statements no longer to be forwarded by ATO

www.nomoney.com.au   The ATO have announced that they will no longer be forwarding HELP/HECS statements each year to show your HELP/HECS balance.   The reasoning behind not forwarding HELP/HECS statements is that you only need this information when you are

Posted in Debt, Tax, Uni

How to spend less to pay off your credit card

Spending less and saving more -General Tips Looking at how much I earned last year I have realized again how easy it is to spend all your money (and then some!).   An extra 30% that you can’t pay off

Posted in Debt, Saving Money

Repaying your HELP debt when you lodge your tax return

How you are forced to repay your HELP debt – what is your HELP repayment income When you lodge your tax return, you will be forced to pay a percentage of your income towards your HELP debt (between 4-8%) if

Posted in Debt, Tax, Uni

Should I move my credit card into a personal loan?

  I got some mail recommending that I “have a ball this summer” and get a personal loan. According to the leaflet it offers me: simplicity – I can roll everything into the one loan – leaving just one repayment

Posted in Debt

HELP debt – no longer worth paying off?

It is no longer worth paying off your HELP loan, in my opinion. Ok – there I’ve said it. Paying down a debt is normally a good thing.  But even if you have money sitting around, I think there might

Posted in Debt, Tax, Uni

Kiva – a charity of loaning money

Kiva.org Kiva is a USA charity that lends money to 2nd or 3rd world entrepreneurs. This allows them to break the cycle. For example, a lady might be making baskets. She has to buy the materials at inflated prices because she

Posted in Debt, Goals & Personal Development, Life Tagged with: ,

HELP debt – no longer worth paying off after 1 January 2012

It is no longer worth paying off your HELP debt, in my opinion.  Ok – there I’ve said it. It goes against my usual philosophy – paying down a debt is normally a good thing.  But, even if you have

Posted in Debt, Uni

Cash loans – only if you are desperate

Cash loans – only if you are desperate If you need short-term cash there are people who will offer it. Obviously though – it will come at a price (a big price). Need a short term loan(shark?) So I went

Posted in Debt

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