Brad Mander | Credit counselling service

Brad Mander

Phone: +61 413 587 120

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14.01.2022 The majority of Australian families do not have $1,000 in savings that they can access in times of an emergency. Their typical response in a crisis is to reach for the credit card thus increasing their overall debt level even more. How is your emergency fund going? This article explains why everyone should have an emergency fund. I suggest initially having $1000 in it. Depending on your level of insurance cover, you should be aiming at having enough money in your emergenc...y fund to cover 3 - 6 months worth of expenses. If you need assistance in setting up your accounts or working out what your expenses are CALL ME. 0413 587 120 for a no obligation FREE consult. http://abc.net.au///why-you-need-an-emergency-fund/9555598

08.01.2022 As U.S. finance guru, Dave Ramsay will tell you, many people have the misconception that when your intentional with your money you can't splurge on nice things. That is completely wrong. Having a working spending plan gives you the freedom to have nice things! Most people make financial decisions on a daily basis that they won't know till some time down the track as whether they were good decisions or not. With a spending plan you will know exactly how much money you have av...ailable to you at any given time, to go shopping for the things you want rather than just the things you need. No more guess work, no more financial stress! With recent upgrades to the spending planner software, you will have a 10 year financial road map to follow. Imagine that, knowing how much much money you will have available for your next shopping spree without worrying as to whether you still have enough money left over to pay your upcoming bills! That's what having a spending plan will do for you. If you want to take the stress and worry out of managing your finances call me on 0413 587 120 for a no obligation discussion about where your finances currently are.

07.01.2022 An interesting article in the latest MONEY magazine, talking about vending machines that literally dispense short-term loans. Having these vending machines setup in shopping malls could spell real disaster for those who have trouble controlling their spending. Paying a $132.00 in fees on a $550 loan over a 3 week period is certainly paying a premium on that short term loan. Having these vending machines setup in shopping malls is a real recipe for increasing consumer debt. If you need assistance managing your day to day monies message me so a responsible, working, spending plan can be devised to eliminate the need for taking out such loans. http://link.moneymag.com.au//5937b55224c17c09a3b7/b75b2eef

02.01.2022 If the thought of retiring with mortgage debt is starting to stress you out, talk to me about how The Pill Method can possibly help you to reduce your interest repayments to the bank by upto 75% and cut the term of your mortgage by 66%. Software developed in the U.S.A now with support here in Australia. To see what the Pill Method is all about view https://youtu.be/5hxz6MOF8zE https://www.theage.com.au//rapid-rise-in-retirees-with-mor

01.01.2022 Did you know that not all mortgage brokers are the same? Yes they may all be able to access the same cheap home loans and provide the same level of service but that is where it ends! Does your mortgage broker pay a unique monthly rebate back into your home loan account every month for the life of the loan? This can save you $1000's over the life of your home loan. ... So if you are looking at refinancing your current mortgage or taking on a new one, call me on 0413 587 120 to discuss how having the right mortgage broker on your team will make all the difference.