Finance advice

Free yourself from expensive debt through consolidation

By Reporter

Mounting debt is a pressure that sadly a growing number of Australians are all too familiar with, but the good news is that with some careful restructuring your financial strain can be lifted.

 

Juggling debts accrued with credit cards, personal loans and store cards can be a challenge. Not only do you have to remember when all your payments are due, the chances are you’re also getting slugged with the higher rates of interest associated with unsecured debt.

Some debts such as credit cards carry hefty interest rates – sometimes as high as 20 per cent or more. When debts start to spiral, you may find that every dollar you repay is swallowed by interest charges, leaving little or nothing to reduce the principal debt.

But by consolidating your debts into one manageable pool you’ll find it easier to get back on top of your commitments and start reducing the overall outstanding balance; it is also considerably easier to keep track of your repayment commitments.

Debt consolidation works by allowing you to roll all of your accumulated debts into one loan. For homeowners with equity in their homes it may be possible to roll high-interest debt into a comparatively low interest mortgage.

If you’ve already repaid some of your home loan, for example, or if your property has gone up in value over the years, you may be able to borrow against this equity to level your outstanding debts. Through doing this you may also reduce your monthly outgoings and improve your household cash flow.

For debt consolidation to be truly successful you need to be smart about it. Bear in mind that by adding thousands of dollars of short-term debt to your home loan it will inevitably take you longer to repay the total amount, and it could end up costing you more in the long run.

For example, you need to consider any fees associated with refinancing your mortgage or other debt – such as exit fees and related charges – and costs to take out a new mortgage, like application fees. Once these are all factored in, you need to ensure you’re in an overall better financial position; if you are not aware of the fees or conditions on your current mortgage, or need clarification, speak with your broker.

Just remember, if you do consolidate your debts make every effort possible to avoid falling into the same situation in a few months time – so reduce your credit card limit and stick to just one card. It’s also worth setting a budget to make sure that you don’t overspend.

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FROM THE WEB

podcast

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A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing, and while many real estate agents are also feeling the squeeze McGrath Brighton Le Sands' Bill Tsounias claims it is simply the market returning to normal.

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In this episode of the Smart Property Investment Show, Bill joins host Phil Tarrant to share his thoughts on the current Sydney property market, and to share the shifts that he has seen in house and unit sale prices following their worst quarter in the past decade.

Bill will unpack why properties are spending longer on market, share what he believes property investors are doing wrong when trying to sell their properties and share the secrets to getting the best out of a real estate agent and an auction in the current softening market.

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!

RELATED AREAS OF INTEREST:

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AREAS MENTIONED:

Revesby
South Hurstville
Sans Souci
Strathfield

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Gavin Kemp and his now-fiancé bought their first property together after only six months of dating. They weren’t even living together at the time. Now, two years on, the pair have bought five properties, sold two and have a solid plan in place for their ongoing property journey. 

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In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

Gavin will share his thoughts on the current property market, reveal the people who he has leaned on throughout his property journey and discuss why his strategy employs a zero procrastination rule.

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RELATED AREAS OF INTEREST:

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AREAS MENTIONED:

Redcliffe
Port Macquarie
Loganlea
Launceston
Raceview

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A joint property portfolio before they were even living together
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As the investment market tightens are you looking to learn something that will help you realign or readjust your property goals? In this episode of The Smart Property Investment Show, first time on the podcast Lisa Porter joins host Phil Tarrant to talk about the gems and wisdom associated with her modest portfolio of ‘only’ six properties.

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Listen now as Lisa and host Phil Tarrant discuss how her property journey started in the UK, with the purchase of a rough unit in a lower-socio suburb of South London. Lisa breaks down how that first purchase provided her greatest lesson, one she still applies today - turn off the noise, don’t worry too much about the peripheries and just get on with it.

The pair also discuss how property has given Lisa so much extra value in her life, not just building an asset base and heaps of enjoyment, but it also how it changed the trajectory of her career. Women, she says, shouldn’t be fearful of being proactive and taking control of the direction of their family’s financial future.  

 

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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How WA, the NT, SA and Tasmania are currently performing



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Walking and talking property investment with Lisa Porter – therapy, empowerment, education and inspiration

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