• Credit Card Debt Consolidation Loans
  

  A debt consolidation loan is something you can consider as a method of combining your current credit cards, and consolidating them – effectively repaying all their balances with a loan. This article looks in to the benefits and disadvantages of credit card debt consolidation loans.

• Credit Card Debt Reduction
  

  Credit card debt is an issue that many Australian’s have to face every day, having to manage their credit cards with the aim of reducing their credit card balances. Read this guide to learn some effective steps you can take for effective credit card debt reduction.

• Create A Plan To Repay Your Credit Card
  

  The concept of planning credit card repayments should be adopted by anyone who is wanting to strategically reduce their credit card debt. Creating a plan for your repayments, beyond just the minimum monthly interest repayment will greatly reduce your credit card balance.

• Is It ‘Plastic Fantastic’ or is More ‘Drastic’?
  

  Credit card debt is a problem that must be addressed in Australia. There are several options available to manage it including debt consolidation, personal loans, and balance transfers. All of these should be carefully weighed before making any final decisions.

• Fox Symes Debt Consolidation – foxsymes.com.au
  

  Fox Symes offers all Australian residents a free 10 minute debt consolidation analysis over the phone to help you get rid of your debts faster.

• Trimming excess debt with credit balance transfers and personal loans
  

  If you have excess debt, with each day that goes by you are likely to gather more interest on your debts. You should strongly consider the benefits of consolidating your debts with a personal loan, or apply for a balance transfer credit card with a 0% introductory offer to help you get on top of your debt repayment.

• Personal Loans vs. Credit Card Debt Consolidation
  

  When consolidating your debt, it is important to consider all options available to find a solution that is right for you, and that suits your financial situation and spending behaviour. We review two options: consolidating your debt with credit cards vs debt consolidation personal loans.

• Credit Card Debt Consolidation
  

  If you have trouble paying your credit cards each month, or have spent more money on your credit cards than you accounted for, you should strongly consider credit card consolidation options. Balance transfers can provide you with a 0% interest balance transfer, transferring your old card balances on to a new card. Check out our guide which looks in to 3 benefits of credit card consolidation.

• How To Beat The Debt Trap
  

  The Federal Government Involvement and Trustee Service has released figures that show total insolvency in Australia rose 11% during the last financial year. Read this news article which shows Home loans to be the biggest debt for most Australians.

• How to Escape your Credit Card Debt
  

  The average Australian has over $3000 in credit card debt, and recent figures show that this figure is increasing. Since credit card debt is so common, it shows that many Australian’s aren’t properly managing their credit cards. Follow our guide to escaping your credit card debt and becoming debt free!

• 6 Ways to Reduce Your Debt
  

  If you are in credit card debt, it is by no means the end of the world and there is light at the end of the tunnel. We have put together a short guide that will give you 6 practical tips to help reduce your debt and strive towards becoming debt free!

• How to calculate your credit card monthly repayment
  

  Credit Card Finder® have developed an advanced credit card repayment calculator, which simplifies the process of determining your monthly interest repayments to pay off your credit card debt sooner. Use this step-by-step guide to using the Credit Card Finder® monthly interest repayment calculator.

• Paying Your Way Out of Debt
  

  ‘Paying’ your way out of debt is hardly an attractive concept. When it comes to debt repayment however, there’s no ‘quick fix’ or shortcut to get out of the red.

  
  

  Find out how to start the good old fashioned way with a solid ‘Get out of Debt’ plan.

• How to get on top of Bad Debt
  

  If you are in bad debt, be wary of some of the offers available in the market to combine your debts in to a debt consolidation loan. In the current economic climate, with interest rates being the lowest they’ve been in decades, it is time to look at your financial situation to see if their is an opportunity for you to consolidate your debts.

• How To Help A Family Member Hooked Up In Debt
  

  Seeing another family member experiencing financial trouble is a tough thing. How do you approach your family member? What do you say to them? What advice can you give them or what can you say that will help them realise they need to see a financial counsellor? Our article aims to cover off the answers to these questions for you with some clear financial tips.

  . Despite this, you can give debt help in your family. Financial trouble happens to more people than we care to think about and the sooner we can spot the signs, the better for all involved.

• The Descent in to Credit Card Debt Hell
  

  The descent in to credit card debt hell isn’t fun. If used wisely, your credit card can be a great tool for you to use, providing cash flow and convenience better than most other consumer loan products. If poorly managed, the trip to credit card debt can be a tough one, but there is light at the end of the tunnel.

• Feature Review: 101 Ways to Get out of Debt – And on the Road to Wealth by Ashley Ormond
  

  One of the most anticipated personal finance books for release in 2009 is Ashley Ormond’s ’101 Ways to Get out of Debt and On the Road to Wealth’.

  
  

  There’s no fantastic new bogus method promoted in this book: Only common sense from a writer with extensive career and personal experience in finance and banking.

  
  

  Does saving a fortune in interest, finding the best lending deals and learning proper personal finance management appeal to you? If so, read our independent and unbiased review of ’101 Ways to Get out of Debt’, with a special focus on credit cards.

• Breaking the Lock of Credit Repayment
  

  Are you one of many who use their credit card to pay for all their day to day expenses, and use 100% of your paycheck to clear the debt?
  While you can maintain this cycle without fail, it’s simply a ticking time-bomb which you shouldn’t be carrying around for prolonged periods of time.

• Handling Debt Collection
  

  Today debt has become an integral part of our lives. Today most of the people take debt in some form or the other. Right from a child who borrows money from a friend to an adult who may borrow to meet his financial needs, each person has a good reason to borrow money.
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  When you are an adult as long as you are able to pay back your debt there is no problem, both you and the lender are happy with the situation.
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  But what happens when you’re in a financial crisis and the debt collectors are hassling you from every form of communication possible?

• Can’t Repay your Credit Card? What to Say when you Can’t Pay
  

  While no one wants to face the concept, being completely helpless to repay your credit card debt can be an overwhelming notion. Regardless of how you fell into the situation, there are strategies which have been proven successful for those who negotiated their way out of debt. While it can’t be completely waivered, there are resolutions and prolongations your creditor can implement for you.
  Find out What to Say when you Can’t Pay.

Popular Credit Card Offers

			Interest Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Cash Advance Rate (p.a.)
	Westpac Low Rate Card - 0% Offer	A credit card with a low rate offer on both balance transfers and purchases, plus a low annual fee.	0% for 6 months (reverts to 13.49% )	0% for 6 months	$45	21.49%
	Citibank Clear Platinum Card	Competitive interest rate on purchases and balance transfers offer.	11.99%	2.9% for 12 months	$99	21.74%
	St George Vertigo	Take advantage of this great offer from St.George with a low rate on purchases and a low balance transfer offer.	13.24%	0.99% for 12 months	$55	21.49%
	ANZ Platinum Credit Card	An introductory interest rate offer on balance transfers and purchases, plus a $0 first year annual fee.	0% for 6 months (reverts to 19.24% )	0% for 6 months	$0 annual fee for the first year( $87 thereafter)	20.99%