Financial Planning

Controlling and Managing Debt

Controlling & Managing

Most Australians say they manage debt wisely. However, some say they make only minimum repayments and others say they get into debt by buying things they can’t afford! Credit cards can be an effective and convenient tool, and loans are an essential part of achieving longer term goals like owning a home or car. However, to use debt wisely, it needs to be understood and affordable. By taking a few simple steps you can ensure that you have control over your debt, rather than the other way around.

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Social Security

social security HD

When analysing your financial strategy, it is necessary to take into account any Centrelink benefits that you may be eligible to receive. There are many different ways in which you can organise your retirement finances so as to qualify for a part or full age pension. Often people who don’t believe they qualify find that they can claim a part or full age pension after receiving professional advice. Apart from the financial boost, receiving the age pension (even if it’s just a part pension or a few dollars) gives you access to all the benefits that pensioners are entitled to receive, such as the health care card.

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