Breathtaking landscapes and seascapes, vibrant urban life, laidback lifestyle—these are what pull people to Sydney. However, Sydney is not just the biggest city in the country, it is also the priciest. In fact, the UBS ranks Sydney as among the ten most expensive cities to live in. Basic expenses alone already cost around $2,500 for a family with one to two children. Ten years ago, a 2010 survey by the Sydney Business Chamber indicated that half of the survey respondents believe they need $100,000 or more per year to live comfortably.
Living a frugal lifestyle in the era of social media, where everyone flaunts what they have and where they’ve travelled to, can be quite challenging—but there’s nothing great about living paycheque to paycheque either.
If you aren’t conscious about your spending, you might end up accumulating credit card debt. It will only eat away at your limited earnings as well as the money you’ve set aside for emergencies. As a result, it can easily compromise your financial future.
Picture this: You just land a great job, but it’s in a different country. You make the necessary arrangements, and you move there. Problem is, you need to send money back to your country regularly, maybe to pay for a mortgage, a phone bill or your family’s expenses.
Come payday, you calculate your budget and come up with the money you need to send before visiting the bank, only to find out that you lose a significant chunk of money to the bank by sending it. This is because banks do not follow the mid-market rate.
If your earnings or income are high and you have a clean credit history, a personal loan will usually be approved. People on lower incomes need to tailor their approach to repayments that are make-able. You will need to provide evidence of current and ongoing expenses, revealing enough disposable income to furnish the loan and thrive . There are other stipulations, including Australian residency requirements, that will affect the application.
Also in the last few years, it has become difficult to get loan approval from banks that you have no account with. The loan approval rate for non-customers is notably lower than for customers with years of historical data.
What makes personal loans so popular is their versatility. The most obvious loans, and the ones most likely to be approved for, are for expenses that are often beyond the reach of the immediate purse-strings. A personal loan can help you create and maintain your dreams.
Popular Personal Loans Include:
All Mortgage Brokers are not born equal. Like any service business, the quality of brokers’ offerings can vary from company to company and from broker to broker. This article will explore the qualities that you should avoid in a potential mortgage broker. Use this information to find a broker that will take the time to understand your situation and secure a mortgage product that’s right for you.
A good timepiece is always a worthwhile investment. It’s a functional accessory that can last for more than one lifetime. Plus, there are so many stunning models that won’t break the bank. These days, watchmaking has progressed to a point that even affordable watches are quite good and built to last. At the end of the day, you need to ask yourself: Do you want a watch that is primarily a luxury item or simply a reliable accessory for keeping the time?
With the recent global uncertainty surrounding Brexit & the European Union, the Australian Dollar has continued to delve into some less than predictable waters. Coupled with Donald Trump’s continued trade war with China, there are a number of global external factors having a negative impact on our Aussie Dollar.
Meanwhile with household debt increasing and house prices appearing to start to take a slump. Over the past few months, the Australian Dollar has started to decline against some of the more popular international currencies. In this article, we review what impact this is having on Australians planning on heading overseas. After all, there is nothing worse than feeling short-changed when you go and convert your AUD for foreign currency and feel like you can’t afford to go on holiday at all.
Prospective car buyers are in for “excellent deals” this August, Federal Chamber of Automotive Industries chief executive Tony Weber said last week during the release of new vehicle sales data for July 2019.
A total of 83,184 new vehicles were sold. While year-to-date growth is still down 7.7%, this is better than June’s 8.4%.
From $1,000 in factory bonuses on Hyundai’s Tucson range, to a $6,000 discount off Fiat’s Abarth 124 Spider and the $44,990 drive-away price of Holden’s Colorado LSX, today’s buyers have so many options to choose from.
Tasteful landscaping and gardening are very effective in increasing the sale value of homes and property. According to a recent article on OpenAgent, an investment in colourful plants, as well as practical garden spaces, can add at least $15,000 to the value of a home. Real estate agents have long extolled the value of simple flowering plants, which quickly enhance a property’s sale value.
Professional landscaping, such as decks, garden spaces, patios, and sitting areas, with fireplaces and pools, exemplify, to potential buyers, a space ready for restful family activities. Real estate agents tell us that professional landscaping can add 6 to 7 per cent to the value of a home, whereas, if you neglect your garden, it can lower the value of your home from between 5 and 15 per cent.
What should you look for when comparing policies?
Cars are a big expense, especially when it comes to insurance. Whether you’re buying insurance for the first time or your policy is due for renewal, you should always start by comparing your options. But where to start? Here are five things you should consider when comparing your car insurance options.
Cost is the first point of comparison for people when comparing policies because it’s the simplest way to compare, ie policy A costs more/less than policy B.