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Honestly, if I were you, I'd find a house and rent just a room for yourself since you're divorcing. Build wealth, pay off all debt a single room is cheap and grab a 2 3k old reliable car. There's no secret to it, just time. With 90k a year, assuming no child support, you can clear most, if not...

Okay, so there are a bunch of ways to go about this, but your current approach? That’s a one way ticket to burnout, honestly. Trying to conquer just one financial step at a time can feel equally maddening, because that urgent I gotta pay everything off yesterday feeling is real. So sure, channel...

Andddd now this group is dead

I mean, CBA actually lets you nominate which account(s) you want to set as offset. In my case I've got three accounts: one where wages roll in, one where all the bill money gets pooled together and all the direct debits/bills are paid from, and one savings account. Now get this all three are set...

Yeah, you can pay it down and then use the redraw for the investment activities. You'll wanna chat to an accountant about it ideally, get a split, because then it's easy peasy to prove the funds were used solely for that split. Otherwise it gets way too muddy with redraw for personal use etc.

Ugh, I know it's a hassle, but seriously talk to your accountant about setting up a special purpose company for investing, then have your trading company loan money into it. Also, you could look into buying commercial property through your SMSF and then renting that property back to your...

That should reduce rising prices caused by the kick on effect of expensive fuel. Not

Save the cash, you should stay away from any interest as much as possible.

Alright, easiest way to put it: Total value of all the gold ever mined and still floating around? $30 trillion. That includes jewelry, bullion, machinery. Global economy? $125 trillion. Global debt? Something like $300 trillion. Indexation, inflation, capitalism, and the whole let's just...

Yeah, I totally agree with the colleague – you really gotta double‑check, because Centrelink might still pull the that's a sale card and mess with your pension. Had a client who backed out after finding that out. But ugh, from what I gather, it also depends on how many years the parents have...

Here's the deal: just keep renting long term and snag a couple of investment properties instead. The rent you’re paying? Still way less than the mortgage payments if you bought that unit.

Ugh, this is one of those things where there's no clear cut answer so many ifs and buts to drive you crazy. But if I had to pick, I'm voting for ETF.

Ugh, seriously, just call them! I know, it totally bites Discover has a reputation for jumping straight to suing people. But if you get in front of it? You'll be fine. ❤️

Ugh, even if you settle, that negative mark still hangs around on your account, and you'll have to jump through hoops to get it removed. Honestly, I'd skip the settlement and go straight for getting it wiped off the report. The only time I'd even think about settling is if you're actually...

Oh, yeah, that's totally a violation definitely steer clear of disputing on Credit Karma. If your dispute doesn't sort things out, file a complaint instead.

Yeah, I’d bet it’s gonna mess with the interest rate they always do one last credit check right before closing, right? Fingers crossed it all works out for you, good luck though

Alright, hear me out. If you're flirting with those credit limits, just throw everything at the debt. Think of it this way: if a real emergency pops up and you're desperate, you could always tap back into what you paid off on the card like a last resort safety net. You'd totally lose that option...

Heads up, folks fair warning here: most credit cards will totally shut down if you don't use them for a while! So if you're trying to keep your credit score healthy or even bump it up a bit, make a small charge every three to six months. Seriously, it's one of those annoying little life hacks...

So, I finally got around to setting up the bill pay thing through my bank. On the plus side, our current mortgage company is actually pretty chill they let us make weekly payments if we feel like it.

Oh man, I didn't go with Upstart, but I pulled the exact same move you did. My first personal loan was from Discover, and okay, the interest rate was kinda high think 22.99% but hey, it still beat my credit card rates! Once my credit score shot up about 60 points thanks to that first loan, I...

Oh man, the whole dispute process is automated? Yikes. For me, I'd totally just type my argument out. There was this one time I had to dispute some personal info, and they made me include a copy of my driver's license. Honestly, scanning it and slapping it right into the document was way easier...

Hey, anyone know if it’s possible to set up some kind of payment plan to avoid having to go to court? Like, please tell me there’s a way to sort this out without the whole legal drama.

If it were me, I would not do it.

Oh, you can totally freeze your profiles with places like LexisNexis and PACER, plus those other public info sites. Then, you go ahead and dispute the collections with the bureaus. When the bureaus try to check if it's legit, they can't verify it, so they've gotta remove it. I've actually gotten...

Ugh, tell me about it. Companies are notorious for quietly shutting those things down after you haven't touched them in, like, two years. You're totally right to ask are we even sure it's still active?

Oh man, if you've missed that 30 day window after a late payment, you might be in for a rough ride. If you're still within that 30 day grace period, there's hope! But if it's already past, your best move is to call up the credit card companies you know, the ones who slapped you with the late fee...

Hey, just a heads up I sent you a PM! I've actually got all the original letters tucked away somewhere. Let me dig 'em out and I'll shoot them your way as soon as I find them!

So here's the fun part: that little financial oopsie can stick around on your credit history for what feels like forever like, roughly seven years, give or take. It's like an unwanted guest who just won't leave! But here's the silver lining: once the debt itself is officially gone, your credit...

ING is great, plus zero fees

So, you're thinking about filing a lawsuit? Honestly, if your complaint is solid enough, sometimes the attorney will just offer to delete the thing and wipe the balance clean you know, just to get you to drop the whole case. Wild, right?

Honestly, I'd sell that $700k house and snag something right in your own town. Negative gearing just doesn't add up when you're not pulling in more than $100k yourself. And once your wife has to stay home with two little ones, your household income is going to take a serious hit. Trust me, your...

Well, looks like you've pretty much figured it out yourself, huh? Let's be real: if you jump into a relationship and things go south, you’ve gotta face the music your assets are totally fair game for the family court to carve up. Yeah, even those sneaky trusts you thought were bulletproof. You...

So they’ll check your blood pressure and heart rate, and that’s pretty much it. If your numbers come back wonky, well it’s safe to say things aren’t exactly under control Personally, I’d just be straight with them from the get go. Keep your conscience clear, you know? Worst case scenario: you...

Honestly, this stuff is probably a job for an accountant they live for this kind of headache! If you want, I can give you my guy's details seriously, he knows his stuff and doesn't put you to sleep explaining it.

Put a few million dollars in a high interest savings account

Roughly 5 times your income as a standard measure

I’d cycle out of crypto into bitcoin

Ugh, it totally sucks, but yeah, it happens. The private sector can be downright brutal sometimes. I don't have a magic answer, but my advice is just not!to let it knock you off your feet. In the private sector, they usually expect you to hit the ground sprinting like, there's zero time to get...

Debt recycling, right? Honestly, my returns on my investments have totally blown my mortgage rate out of the water, so yeah, I’d definitely invest. And debt recycling? That just cranks the numbers even more in favor of investing like, why wouldn’t you?

Okay, so here's the deal: you absolutely need a solid business banker, someone who actually gets how this whole circus works. Just do ALL your financial stuff with them. Makes life way simpler. Honestly, if you've got over a million bucks in debt with NAB, they'll hook you up with a local...

Ugh, we’re totally in the same boat on this! I get it, sometimes you just wanna handle it all yourself instead of getting your partner involved it feels easier, right? But seriously, you’ve gotta lay it out in front of him. Why should you have to juggle this whole thing solo? Meanwhile, if...

Hey, quick tip: check the statute of limitations in your state (it’s typically seven years, but some states are a bit more impatient). If it hasn’t magically disappeared yet, it’s time to kick things into gear and start disputing! Good luck!

First off, you'll need to reach out to the court clerk and ask for a letter confirming they report to the credit reporting agencies (CRAs). They'll probably send you a letter saying they odn't report here's the kicker. Next, you'll contact the CRAs and ask them to verify the bankruptcy. When...

I'm no debt guru, but I swear by the avalanche method. I jumped on this in December, and honestly, it's been a game changer I've already got one card almost cleared. Here's the gist: you tackle the debt with the highest interest first, throwing any extra cash you can at it, while just making...

We are not longer under the law. We are not required to tithe.

Throw as much cash as you can at those 0% interest cards before the rates go through the roof and you're stuck in a deeper hole.

Balance transfer the highest interest card to a 0% interest one

Let me tell you one thing NOT to do with your money don’t even think about blowing it on fancy cars! I’ve thrown way too much cash into that black hole over the years. Honestly, I don’t even want to think about how much cash I’ve wasted on cars over the years. And trust me, if I could go back in...

I use a budget book

I have found myself in that same boat!