If you have bad credit, gaining access to funds can be difficult. In most instances, bad credit applications are declined straight away or applicants are approved but with unfavourable terms. While bad credit can really limit funding opportunities, there are certain things that can be done to access cash and improve credit.
Outside of just getting funds, individuals with a bad credit history should take steps in repairing their credit for future financial needs. Start by obtaining a current copy of your credit report to see and understand what damaging marks are there and negatively affecting your credit score. Clearing up negative marks will help improve your credit rating.
Times are getting tough as the cost of living continues to rise and the closure of businesses puts more pressure on the economy as unemployment rises. Every week it seems like a business is closing its doors or laying off large numbers of employees. Whilst Australia has withstood a lot of the global financial hardship, we have also felt its impact.
In times of uncertainty, it is best to prepare for the worst and organise best what you can control. Your financial wellbeing is one area that you should get in order. Finding ways to reduce costs and debts while growing your savings should be a priority.
Right now there are numerous non for profit websites and local government initiatives to help Australians with simple living and being smart with their money. Take the time to organise your financial situation as the hard economic times look to hang around for some time.
Commercial balustrades must look sharp, modern, blend into the building and be safe. Often used in high rise and other buildings, commercial balustrades make it possible for buildings to stand out in the skyline. With so many options, it can be difficult selecting the best commercial balustrade company. Here are some aspects that superior commercial balustrade companies possess.
Cutting Edge Design Systems
One thing that a great designer will always look to achieve is form and function with their design. From sharply modern to curved and charming, functional design is always a key attribute to award winning design. Whichever type of architecture you choose to go with, make sure the company has the right resource and technology to deliver on both. Read more…
I’ve been really busy lately spending the last 3 months house hunting for an investment property. From knowing nothing about property & fearing about being in debt, I am now a proud owner of a two bedroom apartment! I think what’s stopping a lot of people from getting into the property market is fear of the unknown or more so fear of a misconception. Let’s put it this way, if you can afford to pay $200/week in rent & live comfortably, you can afford your own 2 bedroom apartment with the same weekly repayments (if you lease 1 room out). I never knew owning your own property was that affordable until I started looking into property investing. Given the constant increase in rental prices, it’s not surprising to find rent almost equalling a mortgage repayment. Read more…
UPDATE – 30/11/2011
Since I posted this entry in January 2011 my eye lid has not improved and every time I bring it up at the doctors they just refer me to a neurologist because GP’s don’t know much about the condition known as ptosis (droopy eye lid). Just today I found out why it’s drooping. For the past two weeks my left eye’s vision has gotten worse (I have always had astigmatism in my left eye which is a vision impairment) so I finally decided to have an eye test. When I saw the optometrist I brought up the fact that besides blurriness in my left eye, my eye lid is also drooping (along with the other symptoms identified in the original post below). Her diagnosis was that because I haven’t been wearing my glasses enough, I put so much strain on my left eye that it weakens the nerves in my eye lid, causing it to droop. I have no doubt she was right because I find that when I do wear my glasses, my left eye doesn’t droop as much but I wasn’t 100% sure. And the reason why I never wore my glasses was because it was never a serious issue until recently. So now I’m going to start wearing my glasses more often (even when I’m not reading) and see if the drooping goes away. I will update this post in another month!
Original Post – 20/01/2011
I’ve been having a massive headache for the past three days along with other symptoms such as my left eye drooping and having sharp pains around that area, general eye strains and migraines. The symptoms have gone now (after four days) but I wanted to share my experience as I found it really hard to find any useful information on the internet that matched my symptoms. Read more…
Fox Symes Review
Lately I’ve been talking a lot about budget management and how to get out of debt, mainly due to the fact that a lot of my friends are always complaining about being in debt (typical gen Y) and don’t know what they can do. Today I wanted to talk about Fox Symes, the largest provider of debt solutions in Australia.
People in debt are usually in a really bad state and don’t know where to go for help or who to trust. So is debt consolidation with Fox Symes the right option? Do Fox Symes have alternative solutions to debt consolidation? Let’s have a look at the solutions they offer: Read more…
Before you consider the pros and cons of debt consolidation loans, you must understand your situation is unique and what may work for one person may not work for you. You need to find a debt consolidation loan for your unique financial situation. Before applying, make sure you understand the benefits and draw backs of using these loans. How much debt you have, the type of debt it is and the desire you have to be out of debt (or not) are all factors that will help determine the best debt solution to take.
Look At The Pro’s
The pros of debt consolidation loans vary depending on the type of loan you apply for. However, here are some aspects to think about.
- Combining all your debts into one repayment. You may have multiple debts to repay, which means you have multiple debts you need to remember to pay. The more debts you have the more likely you are to miss a repayment. With one payment it is much easier to manage your debt repayments.
- Getting a lower interest rate. Imagine calling your credit card company to let them know you are getting a debt consolidation loan for your balance that is half what they are charging you. This is especially true for many home equity loans, or other secured loans. In the long term, you could be saving thouands of dollars. Read more…