Finance advice

Debt – the good and the bad

By webmaster

It’s a four letter word – debt – but not necessarily a bad one. If used wisely, the rewards can be significant; approached unwisely, the results can be calamitous.


If financial freedom is something to which you aspire, a good understanding of the right approach to debt is a must.

Certainly, the single biggest mistake any one can make is approaching every debt as equal. In fact, some debts are considered ‘good’ and other are considered ‘bad’.

Good debts are those that have been used to invest in an appreciating asset, such as property. Taking out a home loan can be a great way to leverage your existing cash and build your personal wealth.

Bad debts on the other hand are those that have been procured to fund depreciating items that don’t add any real value to your financial situation, such as a car or a holiday.

The first step towards financial freedom is eliminating bad debt. The interest charged on such debts, for instance personal loans and credit cards, isn’t tax deductible and unlike the interest on some ‘good’ debts, it will continue to grow as time goes by.

It may be tempting to ‘just put it on the credit card’, but this common call can be a recipe for disaster.

By eliminating bad debt, you’ll be in the best position to expand your investment portfolio or buy that new home you’ve been dreaming of.

If, unfortunately, you boast a rather large number of high interest bad debts that you cannot pay off easily, it may be worth consolidating these debts into one.

This may mean you can secure a single, lower interest rate. Even if you can’t, you will still only have to manage one lot of loan repayments as opposed to a whole plethora of bills.

To tackle your bad debt head on and get your financial future on track, here are a few tips for you to follow:

TIP 1: Just stop. Cut up your credit cards and avoid adding any new bad debt to your load.

TIP 2: Draw up for yourself a weekly or monthly budget so you can account for every dollar.

TIP 3: Pay off the most expensive debt first.

TIP 4: Make extra repayments as often as you can. TIP 5: Limit spending to necessities only. Motivate yourself to do this by setting a timeline and reward yourself for sticking to it.

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podcast

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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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Caifu Property\u2019s Automatic Equity program is designed to add a minimum of double the value of your salary to your portfolio every 12-18 months.\u00a0The program deals with five to six figures of instant equity, helps time poor investors generate equity in the shortest time possible without compromising your lifestyle or demanding your time.\u00a0<\/p>\r\n

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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

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      More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

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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Hobart
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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital  in a number of decisions which she made along the way.

Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.

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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The different reasons to start rentvesting

 

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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Why buying new property doesn’t mean buying better property

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