Finance advice
Richard Symes

4 ways to avoid a post-Christmas credit crisis

By Richard Symes

Planning ahead this festive season can save an unwanted default on your file. 

Blogger: Richard Symes, CEO, Credit Repair Australia

With Christmas only weeks away, we are all planning the rituals that go along with the season. For many, this includes spending well beyond their means with a 'buy now, think later' attitude. Analysis from Veda, Australia’s largest credit reporting agency, has revealed that consumers who made credit card applications between October to December were 20 per cent more likely to default on repayments within six to nine months.

This trend is concerning, as the same analysis also found that credit cards are accounting for an increasing share of first consumer credit defaults, up three per cent last year – which equates to tens of thousands of defaults.

People relying on credit to fund their Christmas activities generally have a higher chance of ending up in financial strife compared to those that don’t. If you rely on credit this Christmas, we recommend planning how much you can afford and sticking to it, as this can often save a lot of stress towards the back end of January.

While credit cards will be a major cause of financial pressure post-Christmas, personal loans are also an increasing avenue for financial stress among many Australians. The data from Veda found that personal loans as the first default type accounted for 10 per cent of all first default types last year, a rise of one per cent. The rate at which credit cards and personal loans are increasing in relation to the first default type is a concerning statistic.

Financial stress directly related to credit cards in December and January can have a flow-on effect to your other financial commitments, such as home loans. To ensure your credit cards don’t hinder your ability to purchase a new, or repay an existing, investment property, we have put together four great tips to help you avoid a credit crisis in 2015.

1. Make a budget – Planning ahead can save you from a post-Christmas spending hangover. You shouldn’t forget to include the ongoing monthly expenses along with the additional expenses that Christmas entails.

2. Spend within your means – Once your budget is complete and you know how much you can afford, it's important to stick to it. This will save you from overspending on unnecessary items.

3. Save, Save, Save – It’s not too late to start saving for Christmas. Cutting down now on all non-essential items can help you be less reliant on credit this Christmas.

4. Check your credit report – Ideally, you should check your credit report annually. If you haven’t done so before, checking it after Christmas will put you in a good position to plan your 2015 financial goals.

 

 

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About the Blogger

Richard Symes

Richard Symes

Richard Symes is the CEO and founder of Credit Repair Australia, the leading provider of credit and debt solutions. Richard pioneered the credit restoration sector and developed Australia’s first credit restoration process over a decade ago, allowing Australians to have black marks completely removed from their credit report. In 1999 Richard also played a pivotal role in using new Australian laws to develop workable solutions for people struggling with debt. Known as Credit Repair Australia’s debt solutions, these options now allow Australians to pay back their debts at an amount that is affordable, which may not include interest or paying the full amount of what is owed.

“We are good at what we do because we believe in what we do. We enjoy helping people get their lives back, especially when they are affected by their credit rating. We built Credit Repair Australia with one purpose in mind, to get results that can give people back control of your life.”

For more information on Credit Repair Australia visit www.creditrepairaustralia.com

Email:
promoted stories

podcast

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Purchasing their first property 15 years ago with the intention of creating a property portfolio which would see them comfortably supported during their retirement, Max and Jeanette Schudeboom now have a portfolio of 13 properties.

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Max and Jeanette joins  host Phil Tarrant to discuss their property journey, compare the Australian market to Max’s home town of Holland, and share their plans to maintain the size of their portfolio.

The pair also unpack how they manage and finance their portfolio, discuss the process they go through when choosing where to invest, and share the tips learned from 15 years as property investors.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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AREAS MENTIONED:

Castle Hill
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Elizabeth East
Huntfield Heights
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Albury
Cambridge Park
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Braemar
Morayfield
Melbourne
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Property investors are now able to identify and bid on auctions remotely using a new live-streaming functionality launched by Gavl.

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Called “Request an Auction”, the new functionality enables users to watch and bid on any Sydney or Melbourne auction remotely.

Through Gavl, prospective buyers are now able to register to bid on their preferred auction. The platform will obtain permission from the listing agent and confirm within 48 hours.

Vendors can also request to have their auctions broadcast to a larger buyer audience.

Co-founder Joel Smith said that auctions streamed on Gavl attract 47 per cent more viewers than traditional ones.

He said that Request an Auction will be valuable for remote buyers.

“Buyers are able to have Gavl attend any auction they nominate, so they will never have to miss out on an opportunity due to logistical complications in physically attending the auction.

“Vendors, too, have the opportunity to directly book an auction with us, so they can open up their event to buyers all around the world. With more potential buyers, they’re giving their property the chance to receive more bids and maximise their sales result.”

Mr Smith said that prior to the Request an Auction app, buyers were limited to what they could achieve through the Gavl technology.

Gavl is a live-streaming and bidding platform for real estate auctions.

Mr Smith said that it has streamed more than 6,000 auctions, which have achieved 3.5 million views from 50 countries.

Gavl’s Request an Auction function is currently being offered in Melbourne and Sydney only.

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Boost for investors as app sets up off-site bidding
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Having to split her time between Hong Kong and her original base of Sydney has not slowed Julia Tita’s goal of building a high-performance Australian property portfolio. Instead the resulting alterations to her strategy have positively impacted her investing success.

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Having recently purchased her 6th property, Julia joins host Tim Neary to discuss her journey, share her ups and downs over the years, and reveal her thoughts on why some properties are better than others.

Julia also explains why she no longer makes a move without the help of a buyer’s agent, why working with a strong team of specialists is extremely important and discloses her long-term property ambitions.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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AREAS MENTIONED:

Eagleby
Charters Towers
Townsville
Brisbane
Paddington
Sydney
Orange
Melbourne 
Glen Iris
Bondi

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How a move to Hong Kong impacted Julia’s Australian property goals

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