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Should have been 0.5, they are just kicking the can down the road

This is both a financial and emotional question. Having the house paid off feels good. But in five years, the big house might be harder to afford. Think about the long term. Consider what you and your family truly need.

The lower the barrier to entry the higher amount of competitors

Yes, I wouldn't go back to long term renting. YouTube and ChatGPT can help you start. If there is enough profit, hiring a manager is a good option when you want to be less involved. If you buy a property in a good location, first do some market research. Use AirDnA for free. For more...

No it’s not. Dispute it

No but if you can, pay it for him, they’ll lower his limit

I would assume this is a scam. If it continues I’d call the police.

Freeze Lexus Nexus account, then dispute the derogatory items.

If you can pay it off in about 18 to 20 months, a balance transfer works well. If it will take longer, consider a loan with lower interest. It’s also about your habits and lifestyle. Small changes can help you stay on track.

Using Upgrade was straightforward. They handled payments to creditors, and I covered the rest myself. Now I have a two year repayment plan. The rate is lower, and the monthly payments are more manageable.

Sounds like a scam to me

Saving $1000 in two months is a great goal. We’re close to $700 after two months. That’s real progress. Living paycheck to paycheck is tough. You’re not alone in that feeling. Small steps can help build a little breathing room.

Repossession is risky. At auction, someone might get a good deal, and you could still owe a lot maybe $20,000 or more. Selling it yourself or back to the dealership is clearer. Get a loan to pay it off so you know your payment. A repo auction is a gamble you can avoid.

Start with your emergency fund first. Figure out your monthly expenses and multiply by two. That's your target amount. Next, focus on your debt. List it from smallest to largest. Pay the minimum on all debts, and put any extra money toward the smallest one. When that loan is gone, move...

You've nearly finished. Eight of nine are done, and now you're on the last one. Keep going. It will be over before you know it. You're doing great. We can do this.

I also use a small notebook and love to write it, see it, review it

Start with the basics when you're overwhelmed. Focus on your Four Walls first: food, shelter, utilities, and transportation. Consider adding a fun category, even if it's just a few dollars. This can make the process feel more balanced. Only budget the money you actually have right now. Give...

To ease the financial strain, consider raising your income or selling your home. Remember, home ownership works best when it isn't overwhelming you. You could rent for a while, choose a smaller home, or move somewhere more affordable.

You have three accounts now. One for fixed bills, one for variable costs, and one for the car loan. They are all part of your budget.

You avoid interest by saving first. Paying cash for your cars is a wise and steady approach.

I've had a stable portfolio ever since I began following the market analysis.

I'm glad the collections account was removed from your report. That took real effort. It's a tough situation. Your dad, dealing with dementia, opened an account with your old details. That must have been stressful. Trying the BBB first is a common step. It's disappointing they couldn't help...

Next time with Capital One, if you haven't already, try to negotiate a pay for delete agreement. Get it in writing, so you have proof they'll remove it.

Consolidation loans need caution. They can become traps, often not fixing the real issue. If you still choose this path, options exist. Banks such as Wells Fargo, SoFi, LightStream, Marcus, and PenFed Credit Union provide them. Yet, we suggest not rushing. Understand your own situation and...

Keep your credit cards open. Use them a little, like for fuel, and pay it off right away. Closing cards can really hurt your score. I paid off my car loan, and my score fell by 60 points.

Max interwar rate 18% vs sub prime lenders charging 25%

Paid/settled Remove of credit.

I wonder about this. Jefferson Capital is a collection agency. That means they are likely not the original creditor.

The best financial thing I did was get rid of my credit cards.

VAS is decent enough, solid 10 yr performance

Ask a broker to check the numbers. The attachment shows your borrowing power. It also helps you see if you can manage the debt.

You have two accounts with Portfolio Recovery. They're on two different credit bureaus. One shows from 2017, the other from 2020. You haven't made a payment since 2017.

Combining physiotherapy experience with sales skills can lead to roles in medical devices. This is one of the most rewarding sales careers available. Breaking in can be very challenging, but once you’re established, you’re set.

Put all your extra money into your offset account. The interest you save will be much more than the interest you could earn elsewhere. Plus, you would have to pay tax on any interest you earn, as it counts as income.

I use New Brighton Super.

Money from your ABN is personal income, just like PAYG. The PSI rules now limit some deductions. Find your marginal tax rate and add 5% for Medicare. Set this amount aside from your ABN income.

Your financial representative is doing a wonderful job for you. They offer excellent support.

It depends on whether you run your own business and need to present a certain way. Otherwise, if you're just a subcontractor, the $8k Hilux Workmate is a great work vehicle. It’s practical and reliable for daily use.

He will need proof of deposit to start an application. No broker would accept a story about money being in another person's account. It’s a step everyone must take to move forward.

If you plan to stay in your home for a long time, paying down your loan may be more helpful than using an offset account. You can still access your money through redraw, but it’s often easier to spend from an offset than to redraw. If you redraw to invest, your accountant can confirm the...

Just tell them it's a wrong number, a nd you don't have an energy account. That’s what I did. After three months, they stopped calling. They have to share feedback with the company that sold them your details. Over time, someone should update their records and mark the information as...

It seems straightforward, just double check everything to be sure a lender would consider it. I'm working tonight if you'd like to talk things through. Otherwise, I'm sure many brokers will be happy to help you.

I am a registered land surveyor in NSW. I likely would not suggest going into land surveying. In my view, the industry will be strongly affected by AI and new technologies in 5 to 10 years. This may make it harder for graduates to find work. If you still choose surveying, I would not advise...

Interest builds up every day. How much are you paying back right now? And how much would you like to lower it?

Take your medicine with care. Learn from your experience. Work hard to find your way again. And most of all, be the best dad you can be.

This happened to me once. I bought a new home before selling my old one. The new place had a 16 week settlement. We looked into a bridging loan. It would have cost around $20,000. Instead, we negotiated the interest rate down a!bit on the new purchase and went past the settlement date. There’s...

If she is the only one in charge of the trust, filing a complaint may lead to a closer review.

It sounds like you're on the right track. You're thinking of two separate strategies. First strategy: Consolidate your debt into your mortgage. Do a small renovation in the garage and add an extra bathroom. Then get finance to buy an affordable investment property. Second strategy...

A house fund is a good idea. Things can go wrong, like a water heater breaking or a pipe leaking. It helps to be ready. Think about your insurance deductible for a roof, in case of storm damage. This way, a big surprise won't feel so overwhelming. It's about taking one small step at a time.

I don't suggest these programs. They often cause payments to fall behind. That can hurt your credit. A better step is to call your credit card companies and others you owe. They have help available. They are negotiating for a fee. But you can do that on your own! Good luck to you.