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    Other driver at fault has no insurance—my car’s a write-off, what now?

    First, I have to file a self‑reporting accident noti ce with the police it’s one of those things I wish I didn’t have to do, but it’s necessary. Then I’ll need to figure out the repair cost can I even afford it? That question alone makes my stomach tighten. After that, I should reach out to...
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    750 credit score, 48k loan—how can I get mortgage approval in rural VIC?

    I’m with Heritage, and honestly, they’ve been pretty decent so far. It makes me wonder my broker really urged me to avoid Westpac, and now I’m reflecting on whether there’s a deeper reason behind that advice.
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    Mechanic on $34/hr—should I switch to earthworks for better pay & future?

    I think about these two mobile mechanics I know who bring in around $200k in revenue each year. After all the expenses and taxes, maybe they’re actually keeping about half of that. They work hard, yes, but honestly, I’m just struck by the fact that they choose their own hours. Life with family...
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    What are my gap insurance options when refinancing my auto loan?

    I've come to realize that my auto insurance offers gap insurance, which is supposed to help if my car is totaled. But honestly, it only gives 20% above the current market value. It’s a tough pill to swallow, especially if I owe more on the loan than the car is worth. No matter how I look at it...
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