Fix Bad Credit | Local business
Fix Bad Credit
Phone: +61 450 450 447
Address: Australia
Website: http://www.fixbadcredit.com.au
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25.01.2022 According to online home loan platform Lendi, not checking your credit score is one of the top three major home loan mistakes that Australian's make. Lenders consider your credit score when deciding whether to give you a home loan, because it can indicate how reliable you are when it comes to paying the loan back. If you have a bad credit score you could risk either being denied a home loan or having to pay higher interest rates. ... Even a simple difference of 0.5% on a loan of $400,000 (from 3.0% to 3.5%) could mean extra payments of nearly $40,000 over the life of a 30-year home loan. I am sure you've far better use for that money! Find out if you need to improve your credit score before you apply for a home loan, so that you're more likely to be offered great home loan rates. Contact us for a FREE, NO OBLIGATION credit assessment, outlining the steps you can take to improve your credit score. https://www.youtube.com/watch?v=s5Oetp5SfMA
24.01.2022 IS PAYING FOR CREDIT REPAIR WORTH IT? While a person can repair their credit on their own, it is worth hiring an experienced company with a good reputation to help. It takes time to research and understand credit reporting laws, become informed of your rights, and to negotiate with the credit agencies and creditors to remove false or incorrect information from your credit report.
23.01.2022 Who's working from home, like me, and considering a bit of online shopping to break up the boredom? It might seem like a good idea, but Buy now Pay later services can be your enemy, not your friend. Buy now, Pay later services might feel great when you first use them, but quickly change to not so great when your payments are due. They have a lot of hidden fees, are difficult to manage, if you miss payments fees increase and your credit score can be negatively impacted. They are the enemy to living within your means, to reducing your debt and to your savings.
23.01.2022 Its all chocolate and roses until something goes wrong . Financial stress is the No. 1 cause of relationship breakdowns in Australia. While getting into a relationship doesnt affect your credit, your partner can affect your credit score. Credit reporting agencies keep separate credit scores for spouses, however the actions of your partner can still impact you. If your partner fails to pay a joint bill or joint credit card on time, both of your credit scores will be n...egatively affected. Bad credit can stay on your record for up to 7 years. Thats longer than many relationships! We suggest you have that chat with your partner before you combine your finances.
23.01.2022 It's all chocolate and roses until something goes wrong . Financial stress is the No. 1 cause of relationship breakdowns in Australia. While getting into a relationship doesnt affect your credit, your partner can affect your credit score. Credit reporting agencies keep separate credit scores for spouses, however the actions of your partner can still impact you. If your partner fails to pay a joint bill or joint credit card on time, both of your credit scores will be n...egatively affected. Bad credit can stay on your record for up to 7 years. Thats longer than many relationships! We suggest you have that chat with your partner before you combine your finances.
22.01.2022 Are you guilty of any of these 5 money mistakes? 1 Living on borrowed money. 2 Living pay cheque to pay cheque. 3 Paying off debt with savings.... 4 Excessive spending. 5 Not having a plan. The road to financial freedom is not smooth. But it's not too late to reset the GPS. Making mistakes provides opportunities to learn and every failure is a step to success. What are some money mistakes you made in the past?
22.01.2022 Some people invest in new cars, new clothes, new shoes, new bags and new jewellery before they invest in their credit. Living your best life and Going into debt does not belong in the same sentence.... No debate, No discussion. Don't go broke trying to impress people whose money is on their back not in their bank.
22.01.2022 Its that time of year again...Tax Return time!! Most people simply blow through their refund with no plan. Dont be most people! Decide ahead of time what you want to do with it. Think about taking some out to do something fun with and using most to assist you in getting ahead financially. Below are 6 ideas of things to do with some or all of your tax return. ... 1 Demolish a debt, such as your credit card. 2 Start or top up your Emergency Fund. If you dont have an emergency fund, now is a good time to start one, having a cushion is a smart way to avoid racking up debt in the event of a financial emergency. 3 Beef up your superannuation account. 4 Invest it! Let your money work for you to make you more money 5 If you own a property consider adding some value with a well-considered home reno. 6 Invest in yourself! Investing in yourself may be the most profitable investment you make, whether its learning a new skill or developing personally or professionally. Making sensible decisions with your tax return may be less fun now, but it will be so much more beneficial in the long run. Good luck!
21.01.2022 CREDIT MYTH - A bad credit score is permanent Your credit score actually changes over time dependent on your behaviour. It is calculated on your financial history. So, things like your recent repayments, credit card use or loan applications will be taken into account. As time passes and your behaviour changes, so will your credit score. ... If you have a bad credit score, don't despair, it's possible to improve it. Get in touch and we can tell you how.
20.01.2022 If you notice these things in your credit report, you might be the victim of IDENTITY FRAUD accounts you never applied for defaults you didn't know about credit enquiries you didn't agree to ... These are different from normal errors, as they are usually unconnected to your other credit history, such as accounts with lenders you are not familiar with. We suggest you carefully check your credit report regularly so you can identify and address any issues early.
19.01.2022 Not having a repayment plan in place when it comes to your debt is like setting fire to your money. It's time to get serious and stop burning your future.
18.01.2022 GETTING INTO DEBT CAN HAPPEN TO ANYONE All it takes is a few missed payments and before you know it, you can find yourself overwhelmed by debt, your credit score destroyed, and the stress starts to take control of all aspects of your life. Asking for help is the hardest part, but weve helped 100s of customers over the past ten years to become debt free and we can help you too.... Everything starts with a discreet and confidential risk-free credit assessment to identify your credit woes. Once we understand your personal situation, we will tailor a strategy just for you, for improving your credit, reducing debt and managing any repayments. This credit assessment process costs you absolutely nothing, you are under no obligation to move ahead with our recommendations. Whether or not you come on board with us, you will learn valuable insights into your credit situation. WHAT DO YOU HAVE TO LOSE? Lets chat, we promise you its the first step towards taking back control of your finances and on your way to financial freedom.
17.01.2022 Planning to get a new credit card, new car or new house in 2020? Be prepared, check out these six ways to improve your financial fitness by increasing your credit score...
17.01.2022 DONT MISS OUT ON YOUR OPPORTUNITY TO CASH IN ON THE GOVERNMENT $25,000 HOMEBUILDERS GRANT The tax-free grant applies to all owner-occupiers - not just first home buyers. All dwelling types (house, apartment, house and land package, off the plan, etc) will be eligible under the HomeBuilder scheme. ... The scheme will not apply to owner-builders or those who are planning to build a new home or renovate an existing home as an investment property. The grant also cannot be used for additions to the property that are not connected to the home, such as swimming pools, tennis courts, outdoor spas and saunas, sheds or garages. The grant will be offered for contracts entered into between 4 June 2020 and 31 December 2020. Construction must be contracted to begin within three months of the contract date to be eligible. To be eligible for the HomeBuilder scheme, you must: Be an Australian citizen aged 18 years or older and be an individual, not a company or trust. Be on an income of less than $200,000 for couples, and $125,000 for singles. Be spending between $150,000 and $750,000 on a renovation for a home that has been previously valued at less than $1.5 million. Be building a new home worth less than $750,000 (this includes land value). To ensure you are in the best possible situation to take advantage of this grant, it all starts with a great credit score. If you need a hand, the team at Fix Bad Credit are here to help you. https://www.savings.com.au//homebuyers-grant-full-details-
17.01.2022 Mixing finances with your partner can be a beautiful expression of love when the time is right . But, if we do this too soon or if we are not on the same financial page as our partner we risk doing a lot of damage. . Think of it like mixing paint color. Once you mix two colours together you cant ever fully separate the colours back out again. They are forever changed. If youve experienced divorce or relationship breakdown , I feel for you. There are a lot of tough financial choices that go with unraveling a relationship. If you met somebody today that was about to combine finances with a partner, what advice would you give them?
17.01.2022 Good Credit Good Views Start building the foundations of a life worth living, 1 Check your credit score!
16.01.2022 Never forget, TIME IS MONEY = The faster you get in control of your debt, the less youll pay for it. Get in touch, we can help.
16.01.2022 The rewards for having a good credit score are more than just a feeling of accomplishment. In fact, theyre far more tangible than that. Having a good credit score can prove to be invaluable the next time you apply for a loan or credit. The benefits of a good credit score include: 1 You are more likely to get approved for finance such a home loan or debt consolidation loan.... 2 You can seek out the best deal among financial providers. 3 You can ask if youre eligible for any bonuses and benefits including greater rewards and lower rates and fees. Sounds pretty good, right? Make sure you check your credit score regularly, so you can identify any issues quickly and work to keep your credit history strong.
16.01.2022 How many of these top 5 financial mistakes have you made? I am particularly guilty of Financial F**k up Number 2 https://au.finance.yahoo.com//top-5-financial-mistakes-aus
16.01.2022 Let's talk about BOUNDARIES. Don't ever feel guilty or ashamed of setting FINANCIAL BOUNDARIES. Financial boundaries empower you to say to the things that aren't a priority to you and to the things that are. Financial boundaries require you to have the courage to say NO, but just remember your own dreams and goals. Racking up debt and overspending to cater to other people's wants will only slow down your own financial progress. Love and friendship should not require you t...o go into debt or delay you achieving your goals. It's easy to do the things everyone else does. It's much more difficult to do the things no one wants to do, but one of the reasons many of us end up in bad financial situations is because we are making financial decisions to please other people. But if you want to make progress financially, you have to not care what other people think. It can be hard to say NO, but harder saying YES knowing that youre about to spend money on something that might delay you achieving what you really want. Once youve tried saying NO a couple of times youll be amazed at how free it makes you feel.
15.01.2022 The best thing money can buy is FINANCIAL FREEDOM. Everyone has their own definition of financial freedom. Mine looks a little bit like this ... It's important to know what yours is!
15.01.2022 Your DEBT should be making you mad! Look at how much your debt is costing you. Think of the interest rates and the fees, just because you paid in credit rather than cash. You work too hard to just keep giving away money to banks and creditors.
15.01.2022 Don't forget to INVEST in your personal HEALTH. No matter how much you hustle, the fruits of your labour are not as sweet if you are unhealthy and have no loved ones to share it with. Make sure you get plenty of sleep, eat well, exercise and spend time with the people you love. ... What are your self-care goals this weekend?
14.01.2022 If you can't pay for it in cash without breaking your emergency fund, then you need to ask if you can afford it.
14.01.2022 What is your best money rule? Whilst there are so many rules to follow when it comes to money, sometimes the simplest ones are the best! 1 Pay yourself first. Always set some money aside that you pay yourself so that you can invest.... 2 Start investing early. Take advantage of compound interest and start building your wealth. 3 Only spend what you can afford. Stop buying things you dont need! 4 Avoid high interest debt. This can absolutely destroy not just your finances, but your life. Stop getting into bad debt. 5 Have an emergency fund. This can meet any unexpected problems that come your way. Leave your best money tip below!
14.01.2022 The government’s Homebuilder program extension means you still have time to ensure your credit reputation is fighting fit , before you apply for a home loan. Don’t leave it too late though, or else you risk missing out on thousands of dollars! If you need help, get in touch now for a no-cost, obligation-free discussion about your options for improving your credit. ... https://www.brokernews.com.au//what-to-know-about-the-home
14.01.2022 We dont have to be smarter than the rest. We have to be more disciplined that the rest - Warren Buffett Im not a numbers person, "I was never good at maths", "I could never understand the stock market, its too overwhelming", I just let my partner take care of the finances, they know more than I do about that stuff. You dont need to be a genius to understand your money. Sure, you may never understand every detail of the finance world, but you are capable of learn...ing the everyday principles that affect your financial future. Choose today to be more disciplined in saving money, sticking to a budget and educating yourself about personal finance. Its only you holding yourself back. See more
13.01.2022 Friends, family and neighbours often tell you to AVOID RISKS and LIVE AVERAGE your whole life. Why would you ask advice from someone who is not achieving the results you want? Instead surround yourself with the best and youll be at your best.... Learn from others successes to close the gap between where you are and where you want to be.
13.01.2022 DONT DO EASY Skipping the gym and binge eating is easy. Sitting in front of TV every night after work is easy.... Not working on your side hustle and going out to party instead is easy. Spending all your money shopping or eating out is easy. Not educating yourself about your finances is easy. > EASY DOES NOT MAKE MONEY< If it was easy everybody would do it.
13.01.2022 Signs you are getting better with money 1 You have an emergency fund. 2 You stick to your budget. 3 You plan before you make big purchases.... 4 You have more than one source of income. 5 You don't have bad debt. 6 You invest money to make money. 7 You know your credit score. How many of these signs can you tick off?
12.01.2022 Even if you have a spotless record of repaying debt, anyone whos ever applied for a credit card, home loan, phone plan or hire purchase agreement will know the vaguely anxious feeling that stirs in your chest when you hear the words, Ill just have to run a credit check. When a credit provider runs a credit check, theyre requesting information that relates to your history of repaying debt, to determine whether youre likely to repay what theyre lending to you. Often the ...anxiety you feel stems from a fear of the unknown. While many of us are aware of the extent to which a credit score can impact on our lives, we may be unaware of how they work and how they are calculated. If you want to rid yourself of the fear and finally find out your credit score, get in touch we offer a no obligation assessment of your credit report and provide advice on how you can improve your credit score.
11.01.2022 Bad credit can happen to anyone. Bad credit is a great equaliser. It doesn't matter how much money you have, how much you earn, what you do, where you live or how you look. If you're bad at managing your money it's likely you've got bad credit, no matter who you are. ... Do you know your credit score?
10.01.2022 is interest on interest. You make an initial deposit (called the principal) into something like a savings account. You earn interest and it’s added to your deposit. Then, you start earning interest on both your initial deposit and the interest you’ve been paid. The cycle continues and this becomes an ongoing, compounding amount. or vice versa You take a home loan out with the bank. Typically each day the interest is calculated on the outstanding balance the...n then divided by 365 days in the year. This is then usually multiplied by the number of days in the month to work out your monthly interest amount. Most wealthy individuals understand this. So they have someone else pay the interest for them. ie convert the property into a rental. Are you paying interest or earning interest or both? Tags #fixbadcredit #mindset #melbournebrokers #finance #entrpreneur #newhome #houseandland #firsthomebuyer #nomoredebt #moneyreset #creditrehab #creditrepairmelbourne #creditrepairsydney #creditrepairbrisbane #creditrepairperth #creditrepairgoldcoast #creditrepair #creditscore #creditrepairservice #credittips #crediteducation #creditcarddebt #creditrepairagent #badcredit #badcreditproblem #fixbadcreditaustralia #fixcredit #fixcreditreport
10.01.2022 What makes people most happy? MONEY What makes people most unhappy MONEY What do people stress about the most? MONEY There is a correlation between people who have their finances in order and better mental health. ... Do you think that is surprising? Money has a big effect on mental health. Imagine having no money issues, and how that would affect your wellbeing?! We all need to start taking control of our money, and managing our money better. Not only will it have positive effects on our finances, but also our mental health. Are you taking control of your money? #moneymindset #mondaymindset
10.01.2022 If things arent tough enough already, identity theft is up 55 per cent on the same period last year! Identity theft happens when someone steals your personal information, such as your drivers licence details, and uses it to commit a crime (for example, stealing money from your bank accounts, getting loans and benefits in your name). The financial and emotional consequences can be devastating. Once your identity has been stolen it can be difficult to recover and you may ha...ve problems for years to come. If you suspect youve been scammed, make sure you check your credit report for unusual or incorrect debts, so you can sort it out before it becomes a major problem. https://www.abc.net.au//identity-theft-soars-with/12558622
10.01.2022 If youve got a bad credit score, dont lose heart there are things you can do to improve your score over time. The first step is to sort out your debts. If youve struggled to meet your loan repayment requirements, aim to get back into a regular payment cycle. Repayment history allows you to demonstrate that you have improved your credit behaviour by showing a clear record of repayment over a period of time.
09.01.2022 Only one more month to go until 2021! Are you ready? As the legend, Muhammad Ali himself might have said himself... "Opportunity does not waste time with those that are not prepared."... Are you prepared to take advantage of the opportunities ahead of us this coming year? Knock 2020 out of the ring, by sorting out your debt and improving your credit. Contact us if you would like help conquering 2021. #idowukoyenikan #debtfree2021#ozdebtfreecommunity #financialliteracy #buildingwealth #debtfreejourney #debtfreedom #debtfreeliving #moneymanagement #budgeting #budget #getoutofdebt #2021goals #byebyedebt #opportunitydoesnotwait #actnow #takeaction #creditmatters #fixbadcredit #ifnotnowwhen
09.01.2022 If you cant pay for it in cash without breaking your emergency fund, then you need to ask if you can afford it.
09.01.2022 The main factors that go into how your credit score is calculated are: . Payment history . Amount of debt, also known as your credit utilisation ratio . Age of credit accounts or history... . Mix of credit accounts . New credit inquiries With that said, the 2 biggest factors that contribute to your score would be. 1. Pay your bills and accounts ON TIME. and 2. Minimise your credit enquiries to 1 a year Want a credit Report review? Shoot us a DM and I'll get our legal experts to do your review for free.
08.01.2022 We don't have to be smarter than the rest. We have to be more disciplined that the rest - Warren Buffett Im not a numbers person, "I was never good at maths", "I could never understand the stock market, its too overwhelming", I just let my partner take care of the finances, they know more than I do about that stuff. You don't need to be a genius to understand your money. Sure, you may never understand every detail of the finance world, but you are capable of learn...ing the everyday principles that affect your financial future. Choose today to be more disciplined in saving money, sticking to a budget and educating yourself about personal finance. It's only you holding yourself back. See more
08.01.2022 Never forget, TIME IS MONEY = The faster you get in control of your debt, the less you'll pay for it. Get in touch, we can help.
08.01.2022 I HAVE PAID MY DEFAULT! Why is it still on my credit report? When an outstanding debt is paid, this will be recorded as paid and will stay on your credit report 5 years from the date it was originally listed. However, a default can be removed from your credit report if proven it was listed in error. We can help you investigate.
07.01.2022 Making any kind of significant change and sticking to it helps if you have a village. Surround yourself with like-minded people so youre always of the right mindset to crush your goals. On your weakest days, your village will carry you through.
07.01.2022 ARE YOU STRUGGLING WITH CONSISTENTCY? - We all struggle with consistency at some point. Some more than others. Consistency is about building small empowering habits and rituals that you partake in every single day that keep you focused on your highest priorities and goals. Ultimately it comes down to your ability to hold yourself accountable for the daily choices you make with #noexcuses and #nocomplaints. You and you alone are accountable for what you do and what you fail to... do. All responsibility lies solely in our own hands! - To be consistent means to focus on the present moment while maintaining a long-term view that helps you measure your results and the impact of your daily actions. - The key reason why most people struggle with staying consistent over the long-term is that they only live for the short-term. We live in an 'Instant' world where we demand everything now, not tomorrow. The habit of consistency isn’t about obtaining quick results. It’s rather about making incremental progress and improvements over an extended period of time. - #Consistency-in-action is not just about repetition. It’s rather about #evolution. This is not about mindlessly repeating an action over and over again. It’s about learning, growing and adapting your actions that can help lead to incremental improvements over an extended period of time. In other words, it’s all about improving your effectiveness and efficiency at each step of your journey. - Consistency-in-action demands that you first get very clear about what your highest priority activities are. These activities are typically built around your #corevalues, #passions, #purpose and #goals. If for any reason your priorities are not aligned with these areas then you will very likely struggle to maintain consistency over the long-haul. Then develope a schedule that will help you to block out specific time throughout the day that you will spend working on these activities. This is about building daily rituals that will help to form new habbits that support your goals. So get clear! Design daily rituals! Revisit the goal repeatedly! Make adjustments! Stay focused! Track everythging! Tags #fixbadcredit See more
07.01.2022 WHAT IS CREDIT REPAIR? Credit repair is the process of cleaning up incorrect or negative listings on your credit report and implementing positive financial behaviours to increase your credit score. Fix Bad Credits team of credit experts use our knowledge of the latest credit reporting legislation to determine whether negative listings on your report were put there without a credit provider adhering to the relevant laws. We know what to look for and who to contact to have ...any incorrect listings removed from your report. Let Fix Bad Credit do the work while you take all the credit.
06.01.2022 THAT FEELING WHEN YOU BEGIN EARNING INTEREST INSTEAD OF PAYING IT Watching your debt go down is fun, but not nearly as fun as watching compound interest in action in your superannuation account.
06.01.2022 Bad credit can happen to anyone. Bad credit is a great equaliser. It doesnt matter how much money you have, how much you earn, what you do, where you live or how you look. If youre bad at managing your money its likely youve got bad credit, no matter who you are. ... Do you know your credit score?
06.01.2022 Lets talk about BOUNDARIES. Dont ever feel guilty or ashamed of setting FINANCIAL BOUNDARIES. Financial boundaries empower you to say to the things that arent a priority to you and to the things that are. Financial boundaries require you to have the courage to say NO, but just remember your own dreams and goals. Racking up debt and overspending to cater to other peoples wants will only slow down your own financial progress. Love and friendship should not require you t...o go into debt or delay you achieving your goals. Its easy to do the things everyone else does. Its much more difficult to do the things no one wants to do, but one of the reasons many of us end up in bad financial situations is because we are making financial decisions to please other people. But if you want to make progress financially, you have to not care what other people think. It can be hard to say NO, but harder saying YES knowing that youre about to spend money on something that might delay you achieving what you really want. Once youve tried saying NO a couple of times youll be amazed at how free it makes you feel.
05.01.2022 DON'T DO EASY Skipping the gym and binge eating is easy. Sitting in front of TV every night after work is easy.... Not working on your side hustle and going out to party instead is easy. Spending all your money shopping or eating out is easy. Not educating yourself about your finances is easy. > EASY DOES NOT MAKE MONEY< If it was easy everybody would do it.
03.01.2022 "Show me your social circle and I'll show you your bank account".. Harsh? Maybe. But when my mentor uttered those same words many years ago. I was living pay cheque to pay cheque. And more focused on when and where we would congregate next for our weekend drinking session. Something struck a chord though. Because I was frustrated with where we were at, and longed for more. I knew I had to surround myself with people that were high achievers. People smarter than myself. If I ...was to change my circumstances, I would have to start by changing myself. But to change myself I would have to first adopt someone else's thinking. My first mentors were books. Then there were business mentors. Spiritual mentors. Today I am proud that my network is global, and consists of many individuals far smarter than me. Far wealthier than me. And because of those individuals, it has elevated my thought process and changed my financial trajectory. Its never to late to get to work on building a strong network. In fact, start right here with me Lets change the world together. One life at a time. Tags #fixbadcredit #mindset #melbournebrokers #finance #entrpreneur #newhome #houseandland #firsthomebuyer #nomoredebt #moneyreset #creditrehab #creditrepairmelbourne #creditrepairsydney #creditrepairbrisbane #creditrepairperth #creditrepairgoldcoast #creditrepair #creditscore #creditrepairservice #credittips #crediteducation #creditcarddebt #creditrepairagent #badcredit #badcreditproblem #fixbadcreditaustralia #fixcredit #fixcreditreport
03.01.2022 If you really want to begin getting your finances back under control, you will definitely have to make some temporary sacrifices! As they say "nothing worth having comes easy!" Paying off debt and getting yourself out of the financial mess you may have created is not easy. You can live your best life, travel, start a business, quit the job you hate, spend more time with your family and leave a legacy, but you will have to make some changes
03.01.2022 It's beginning to cost a lot like Christmas , but what happens to your credit report if you miss a credit card repayment? Households across Australia are feeling the pinch. For some, a little cutting back here and there will get them through the coming festive period, but for others, the situation is much more serious. It’s easy for some to justify missing a credit card payment, or two. But what happens now? If you fail to make the payment within 14 days of its due date, ...it will be classed as repayment history information, and will remain on your credit report as a black mark for up to 2 years. If you fail to make the payment within 60 days of the due date, and the amount owing is $150 or more, it will be classed as a default, and will remain on your credit report for up to 5 years. If your payment remains unpaid after 60 days, and is $150 or more, it will be classed as a serious credit infringement. Before a serious credit infringement is recorded however, the provider must send you a written notice to your last known address. If you fail to make contact or repay the amount owed within six months, the infringement will be recorded on your credit report, to stay there up to 7 years. According to the credit reporting agency Experian, just one missed credit card repayment could see your credit score dropping 22%, even if you’ve never missed any credit card repayments before. That drop increases to 26% if you miss two repayments, and as much as 42% if you miss three or more repayments within a period of three months.
03.01.2022 Is improving your financial position a post-covid resolution? Dont wait, we can help you get started FOR FREE.
03.01.2022 Your NETWORK is your NET WORTH! If you and your mates dont discuss: Investing... Starting new businesses Escaping the 9 to 5 Financial independence Self-development Fitness. Then maybe its time to find new friends. Surround yourself only with people who are going to take you higher. Oprah Winfrey
03.01.2022 Are you in the market for a new car? If you need a new (or new for you) car for you and your family and you're planning to get out a loan to pay for that new car, a bad credit score may mean you: Need a bigger deposit Have to pay more interest.... ...or worse, can't get that loan at all. Due to stricter borrowing regulations, more and more Aussies looking to take out a car loan are being rejected due to a poor credit score. That's 2 out of 3 new Aussie car buyers rejected! If you planning to get a new car in the next 6 - 12 months, we suggest you start preparing now to make sure your credit score matches your new car goals. Ensuring you've got your credit in order can help you avoid rejection. Contact one of our friendly credit experts to see how we can help to improve your credit before you start looking for that new car. https://mozo.com.au//2-out-of-3-new-aussie-car-buyers-reje
03.01.2022 CREDIT MYTH! You only have one credit score In Australia there are a number of different reporting agencies. The three main ones are Equifax, Experian and Illion. Each credit reporting agency has their own method for calculating your credit score. ... This means you have MORE THAN ONE credit score. It can pay to check all three before you start applying for new credit.
03.01.2022 Do you ever feel you are a slave to your bills? My mentor used to say to me. Make sure you have money left over at the end of every month, not the other way around! But that was me back then... To much month left over at the end of the money . But all of that changed when I realised that I could change my situation and took responsibility. The first place I started was working on myself. All to often we figure, "if I could just make some more money each week, i'll clear all... the bills.".... "If I could just take all the junk food out of the cupboard, I'll lose weight."... "If I could just find that perfect side hustle, i'll become a millionaire." Truth is, that creating wealth is a mindset. Becoming healthier is a mindset. Building a successful business is a mindset! . Work on you, and that will flow into your life and take care of the rest! Surround yourself with champions. Professionals in their space. Individuals that have what you want and worked hard for it. You will notice they think diffrent, talk diffrent, act diffrent, work diffrent! . To be a champion, you have to first become a champion inside. You got this!!! #Fixbadmindset #fixyourlife See more
02.01.2022 Have you been lucky enough to get a pay rise this crazy year? Time to buy that new car, new phone, holiday? NO! ... Try living on your old salary for at least 12 months while you save 100% of the increase or use it to pay off debts. That's the way to financial independence.
02.01.2022 Whos working from home, like me, and considering a bit of online shopping to break up the boredom? It might seem like a good idea, but Buy now Pay later services can be your enemy, not your friend. Buy now, Pay later services might feel great when you first use them, but quickly change to not so great when your payments are due. They have a lot of hidden fees, are difficult to manage, if you miss payments fees increase and your credit score can be negatively impacted. They are the enemy to living within your means, to reducing your debt and to your savings.
01.01.2022 Breaking News! The Victorian government has announced an investment of over $293 million to fund a stamp duty concession of up to 50 per cent for homes valued at up to $1 million....
01.01.2022 Dont forget to INVEST in your personal HEALTH. No matter how much you hustle, the fruits of your labour are not as sweet if you are unhealthy and have no loved ones to share it with. Make sure you get plenty of sleep, eat well, exercise and spend time with the people you love. ... What are your self-care goals this weekend?
