The Credit Score Blog

A blog about mortgages, loans, interest rates, tips and tricks.

Goals and achieving your resolutions

 To start the year off on a positive note first up I look at turning those New Years Resolutions into achievable Goals.  It doesn't matter what you would like to achieve, paying off the home loan quicker, saving for a holiday or loosing a kilo or two....

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6 Home Loan Mistakes to Avoid

6 Home Loan Mistakes to Avoid

Home Loan Mistakes to Avoid... I was talking with a client Pam, she was telling me how when they first took out the home loan it was Interest Only for the first 5 years. It was a shock when her and her husband realised that after 5 years they still owed the bank the...

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How to pay off your Home Loan quicker

How to pay off your Home Loan quicker

The Joys of Home Ownership and How to Pay Off Your Home Loan I still remember the feeling when I bought my first home, an apartment in Townsville, the excitement and exhilaration of becoming a home owner combined with the dread over how much money I now owed the bank....

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Why you should have a budget!

Why you should have a budget!

Without a budget your future financial security could get lost. I still remember the joys of my first job.  It was the mid 90’s and I had just started as a graduate mining engineer in Broken Hill. I had spent the previous 6 years at university between undergraduate...

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Why would you use a financial planner?

Why would you use a financial planner?

We have all seen the headlines about financial planner's, they just seem to keep coming year after year…. Fee for no service the latest scandal for banks behaving badly ASIC charges former Commonwealth Bank financial planner with forgery Financial advice scandal:...

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How $5 can change your life!

How $5 can change your life!

Can you afford to save $5 a day? How much do you spend on a daily basis? The morning coffee, a sandwich at lunch time, a coke mid-afternoon or a snack while doing the shopping, all these little things add up very quickly. What if you decided not to purchase one of...

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How to get rid of credit card debt

How to get rid of credit card debt

How consolidating your credit card debt can save you money. $32,000,000,000. Yes Thirty Two Billion Dollars.  That is the credit card debt currently owed by Australians, that’s an average of around $4,300 per card holder. With interest rates on credit cards typically...

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Top 5 home loan mistakes to avoid when refinancing

Top 5 home loan mistakes to avoid when refinancing

There has never been a better time to refinance the home loan. Interest rates are at the lowest levels we have ever seen or are likely to see in our lifetime. It is a great idea to regularly assess your home loan to see if refinancing can save you money or provide you...

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Thinking about refinancing your home? Read My Consumer Guide to Refinancing Your Home.
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