ADVICE ARTICLES
Welcome to Which Way To Pay's area for money saving advice, hot tips for the latest financial products on the market and suggestions on how to use foreign exchange, travel money, loans, cards and more.
13 May 2013 James Larkin Sending money abroad nowadays is easier than ever. May be it is a gift you want sent to relatives abroad, or money for a son or daughter who studies in another country, payment of an internet purchase, or regular payments – sending money abroad via a bank does not necessarily mean the best option. Read More >> |
06 May 2013 Mark Maffia Consolidating loans make life easier by helping you to deal better with multiple loans Read More >> |
30 April 2013 Mark Maffia Everybody who wants to put money aside should have a savings account. Most people save money for some goal which could be one's dream holiday, working towards the fulfillment of a wish, like a car or a gadget – or one would like to just have a financial cushion for any unexpected financial needs Read More >> |
24 April 2013 Mark Maffia With a business credit card it is easier to organize your finances, it will easier to manage cash flow, and if you are the owner of a small company a business credit card helps you to separate your private finances from your business costs. Read More >> |
18 April 2013 Mark Maffia Savings accounts are a safe place to keep your money and make it grow faster. Read More >> |
03 April 2013 James Larkin Most of us put money aside, either on a regular basis or from time to time, and there are reasons enough for doing so. It might be for a large purchase in the future or one would like to save a bit of capital for one's children – or one just would like to have some money at one's disposal in the event of an emergency. In any case one would like to be sure that one's savings are safe and also can grow. Read More >> |
26 March 2013 James Larkin A debt management plan can help you into a life with less problems, and can be a solution when multiple debts become too much to manage. Read More >> |
07 March 2013 Which Way to Pay Buying travel insurance can save you a lot of grief when you are away. Read More >> |
23 October 2012 Which Way to Pay If debts are threatening to take over your life, make the change and seek help now. You will find that there are lots of ways of stopping debts from getting out of control for a debt-free future. Read More >> |
03 October 2012 16:00 Which Way to Pay Have you got bad credit but want to borrow money? Well if you are being continuously defaulted by the banks, do not despair there is an alternative. Unsecured bad credit loan providers are prepared to lend people with bad credit ratings money. Read More >> |
01 August 2012 22:00 Phoebe Robinson A pay day loan is in essence a cash advance; a payday loan is a loan that is given to the person on the understanding that they will repay using their next income. Applying for a payday loan has become very easy today, especially with more financial firms coming up with online loans for their users. Read More >> |
25 July 2012 02:00 Phoebe Robinson If you are in a situation where you feel that your debts are growing out of control there are Debt Management companies. A debt management company will help you organise your debts, usually by devising a repayment plan that will suit your needs. Read More >> |
18 July 2012 22:00 Phoebe Robinson Taking out a car loan is a quick easy way of purchasing a nice new car. Saving for a car can take years and this is a quick alternative to saving. Taking a car loan allows you to buy a car today. Read More >> |
11 July 2012 02:00 Lucy Williams Travel insurance is essential if you want to be sure that you and your belongings are protected while you are abroad or even travelling within Australia, be it for personal or business reasons. Read More >> |
04 July 2012 11:00am Florence Fullalove As you are not borrowing any money, but are simply spending whatever you decide to put on the card, you won’t ever have to deal with expensive interest or bank charges or worry about paying off credit card bills each month. Read More >> |
20 June 2012 18:00 Phoebe Robinson We all know our animals at home are practically part of the family. So why not insure yours? Read More >> |
8 June 2012 09:00am Victoria Wedderburn Identity theft protection services offer protection by monitoring your accounts and your credit record, alerting you to any unusual activity. Read More >> |
01 June 2012 14:30 Mark Maffia People in Australia are very fortunate enough to live in a country with a state-funded healthcare system. Having said this many people turn to health insurance and private medical treatment. Read More >> |
24 May 2012 11:00am Crage Campbell Foreign exchange brokers will take the time to understand your foreign exchange requirements and will offer you some of the most competitive exchange rates you will find. Read More >> |
17 May 2012 14:30 Crage Campbell You should consider taking out a life insurance policy if you have anyone who is financially dependent on you. Read More >> |
08 May 2012 17:00 Crage Campbell There are thousands of people across Australia who have a bad credit rating.Bad credit loans are loans designed for those who have been turned away by conventional lenders because of their credit history. Read More >> |
27 April 2012 17:30 Jack Stupple No matter what the size of your business, whether you are just starting out or are already an established firm a business credit card can add value to your company Read More >> |
20 April 2012 01:00am Jack Stupple Buying a new house can be stressful with many different factors to consider. Unless you are lucky enough to be able to buy your property outright, you will need to take out a home loan or mortgage. It is very important to get the right loan for your circumstances. Read More >> |
11 April 2012 22:00 Jack Stupple Credit cards have many uses. As well as being a cheap way to borrow, if you make your payments on time you will improve your credit rating. Read More >> |
03 April 2012 09:30am Crage Campbell If you have multiple debts, then you know how incredibly stressful it can be to owe money. A consolidation loan gives you the money you need to pay all the lenders you owe, leaving you with one monthly payment. Read More >> |
30 March 2012 09:00am Mark Maffia Payday loans are really convenient and easy to get hold of as no credit check is required which makes them a really popular for New Zealanders who need to get out of a tight financial corner. Read More >> |
23 March 2012 02:30am Jack Stupple Student credit cards are especially created for university and college students and are widely used across Australia. Read More >> |
16 March 2012 21:45 Victoria Wedderburn Whether you want to buy a brand new or second hand car you might need some help paying for it. If you don’t have the cash right away you can take out a car loan. Read More >> |
08 March 2012 Which Way to Pay A reward credit card offers a scheme whereby you can earn points as you spend which are redeemable for rewards like air miles. The more you spend, the more reward points you will collect. Read More >> |
01 March 2012 Which Way to Pay A bad credit loan is a loan especially designed for people with a poor credit rating and those who have been turned down for a loan elsewhere. Read More >> |
16 February 2012 Which Way to Pay A good credit report can be one of the most valuable assets you can have and many people do not realise how valuable a good credit report can be. Read More >> |
07 February 2012 Which Way to Pay With life insurance there can be a simple and affordable way to give your family and loved ones financial protection in the event of your death. Read More >> |
02 February 2012 Which Way to Pay Finding the right cover to fully protect your home and its contents is an important financial decision that should not be taken too lightly. Read More >> |
31 January 2012 Which Way to Pay Loans are designed to help you manage your debts by combining them together and then making one reduced monthly payment. Read More >> |
19 January 2012 Which Way to Pay Travel insurance can be used for all types of holiday and business travel and should be given a serious thought. When taking out travel insurance your destination, the time of year you are travelling, your overall health and what activities you will participate in should all be considered prior to making a decision. Read More >> |
18 January 2012 Which Way to Pay Payday loans are ideal if you need a quick cash injection before payday of a small amount. But the most important thing to remember is that you must make sure that you will be able to repay what you owe on your next payday. Read More >> |
05 January 2012 Which Way to Pay A reloadable card can give you a better way to stay in control of your finances and help you avoid getting into debt. With a prepaid card you only spend the money that you have loaded onto the card. Read More >> |
21 December 2011 Which Way to Pay Being in debt often feels overwhelming, especially if you owe money to multiple creditors. Keeping up with repayments can be draining, and admitting you need help can be hard. But taking the first step to getting help with your debts is easier than you think. Read More >> |
20 December 2011 Which Way to Pay If you are a bit short of cash and just need a small sum of money to get you through the rest of the month or pay a bill, a payday loan could be the answer. Read More >> |
19 December 2011 Which Way to Pay Most of us have a credit card, whether you use it or not. It can feel a bit reckless at times to just put things on your plastic, but you could actually benefit from using credit as long as you can pay off the bills. Read More >> |
16 December 2011 Which Way to Pay If you wear glasses or contact lenses you know how much they can add up to. Visiting the opticians, buying frames, lenses and contact lenses all adds up, especially if you are a fan of designers frames. There are ways around this however. Read More >> |
15 December 2011 Which Way to Pay The price of food is getting higher or higher. It may seem like this is an expense you can’t avoid, but there ways you can cut down on your grocery bill. We all live very busy lives and don’t always have time to cook or shop as much as we would like. Read More >> |
13 December 2011 Which Way to Pay As the ways we bank and deal with our money become more technologically advanced, unfortunately so do the methods by which thieves can steal your identity. Read More >> |
09 December 2011 Which Way to Pay If you’re strapped of cash and just a need a small sum to get you through until the end of the month, or you get caught out for a big bill you weren’t prepared for, then a payday loan could be the answer. Read More >> |
07 December 2011 Which Way to Pay If you have debts then you know how stressful keeping up with repayments can be. Owing different amounts of money at various interest rates to more than one creditor can be very difficult to keep track of. A consolidation loan can take the pressure off and free up more of your income. Read More >> |
06 December 2011 Which Way to Pay Are you having a difficult month moneywise? Don’t have the cash you need to pay bills, repay debts or anything else? Then a payday loan could be the answer. These loans are designed to get you through the remainder of the month, until your next payday. Read More >> |
05 December 2011 Which Way to Pay The price of living is on the up, so it’s time to start saving everywhere you can. With the future of the economy remaining uncertain, there is every reason to save money wherever we can at the moment. Read More >> |
02 December 2011 Which Way to Pay If you have had money troubles in the past and had trouble repaying debts, then it can be difficult to find a creditor that is willing to lend you money. Having a bad credit rating can make it hard to get a mortgage, get approval for a loan and even can stop you getting a cell phone contract. Read More >> |
01 December 2011 Which Way to Pay It can be extremely stressful trying to deal with your debts as they mount up. It can be difficult to swallow your pride and get help, but the longer you leave it, the worse it gets. It can feel like you are all alone in dealing with your debts problems, but there are companies out there that specialise in exactly that. Read More >> |
30 November 2011 Which Way to Pay Banking services are becoming more and more advanced in the way we can pay bills, manage our money and shop. Although this means that banking is more convenient than ever, it also means that it is easier than ever for thieves to steal your information and use your identity fraudulently. Read More >> |
29 November 2011 Which Way to Pay With the state of the global economy and the cost of living on the up, some of us are having to change our spending habits as we just can’t afford to spend money like we used to. If you are keen to spend less and start saving, then try keeping a financial diary for a couple of months. Read More >> |
28 November 2011 Which Way to Pay There have always been those months where your paycheque won’t stretch far enough, but there hasn’t always been a quick and easy way to borrow money when you need it the most. Read More >> |
25 November 2011 Which Way to Pay If your circumstances have changed, or you simply cannot keep up with debt repayments and the stress it getting to you, then it’s time to do something about it. There are several options available to you, depending on the severity of your debts. A common way to solve relatively minor debt problems is with a consolidation loan. Read More >> |
24 November 2011 Which Way to Pay As a nation, we use a lot of fuel per capita. There are several changes you can make however without reducing the amount of time you spend on the road to reduce your fuel bill. Just follow these simple tips and start saving money today! Read More >> |
23 November 2011 Which Way to Pay Having a bad credit rating can really get in the way of doing what you want in life. There are bad credit loans out there however that are designed to let those who cannot get the loan they need through the normal channels because of bad credit. Read More >> |
22 November 2011 Which Way to Pay Credit cards are becoming more and more useful. As the market gets increasingly competitive, there are a plethora of benefits to be taken advantage of. Traditionally, credit cards are a great way to make your finances run smoothly. By borrowing short-term and paying off your balance on time, it’s cheap and convenient way to make sure you can always afford to pay the bills. Read More >> |
21 November 2011 Which Way to Pay Whether you live alone, with family or house mates, own or rent, it’s important to have home insurance of some level. There are hundreds of insurance companies across Australia, so there is definitely one out there to suit your circumstances. Read More >> |
18 November 2011 Which Way to Pay We’ve all had those months where your money just won’t stretch far enough. Whether you can’t afford to pay a large bill, need to book a holiday in advance or need emergency dental treatment, a payday loan could get you the cash you need. Read More >> |
17 November 2011 Which Way to Pay Identity theft is a growing concern for many of us. As the fastest growing crime in the world, it could be time to do something about it. Identity theft protection safeguards your bank accounts and credit cards from being used illegally by criminals. Read More >> |
16 November 2011 Which Way to Pay Being in debt is no fun, especially if you owe a lot of money to various different creditors. The stress can be a huge burden to bear, but making the first step and admitting you need help is often the most difficult part. Read More >> |
15 November 2011 Which Way to Pay Being in debt is incredibly stressful. The more creditors you owe money to, the worse it gets. It can be extremely difficult to admit you need help with your debts, but the anxiety and pressure that comes with owing large sums of money. Read More >> |
14 November 2011 Which Way to Pay you have a less than perfect credit history, then you know how difficult it can make life. If you are in need of a loan, then a bad credit rating can make it almost impossible to get the cash you need, and often makes borrowing more expensive. Read More >> |
11 November 2011 Which Way to Pay The price of gasoline is higher than ever. We all drive a lot in Australia, and often not using our cars is simply not an option. If you are keen to cut down on the amount of money you are spending on fuel without cutting down the amount of time you spend in the car. Read More >> |
10 November 2011 Which Way to Pay If you need some money fast for an emergency and can’t borrow what you need from friends or family, then a payday loan could save your skin. These loans have come onto the market since the financial crisis made borrowing from banks more difficult. Read More >> |
09 November 2011 Which Way to Pay If you have a pet, then you are probably very aware of how expensive a routine trip to the vet can be, let alone if your pet should need a major operation. This is why pet insurance is a vital part of being an owner. Read More >> |
08 November 2011 Which Way to Pay If you are finding it difficult to cope with mounting debts, then you know that burying your head in the sand only makes things worse. Facing your financial troubles head on is quite daunting and it can be difficult to admit that you need help. This is when a consolidation loan could make all the difference. Read More >> |
07 November 2011 Which Way to Pay Whatever your situation, there is a home insurance policy out there to suit you. Whether you live on your own, have a big family, rent or own your home, it’s important to protect yourself with home insurance. Read More >> |
03 November 2011 Which Way to Pay We are all spending more money than we would like on filling up our tanks at the moment. There are a few things you can do to cut down on your bills, without cutting down on the amount you use your vehicle. Read More >> |
02 November 2011 Which Way to Pay When money is tight, it’s easy to bury your head in the sand or start to panic. If you get caught out by a large expense you didn’t bargain for like a car repair or emergency dental treatment and can’t borrow the money your need from a friend or relative, then a payday loan could be the answer. Read More >> |
01 November 2011 Which Way to Pay If you have a bad credit rating, then you know how difficult it can be to get approval for a range of financial products, from loans to cell phone contracts. If you need a loan and can’t get approval, it’s hard to know where to turn. Read More >> |
28 October 2011 Which Way to Pay As the way we bank gets more advanced, technology is playing a larger and larger role all the time. From banking and shopping online, to using ATMs and using cards more than ever, the opportunities for thieves to steal your details are on the increase. This is where identity theft protection comes in. Read More >> |
27 October 2011 Which Way to Pay Being in debt can really take its toll. It can be incredibly stressful keeping up with large monthly payments to various creditors, due at different times and all at different interest rates. If you have dependents then the pressure can be even worse and can even start to affect your health. Read More >> |
26 October 2011 Which Way to Pay In a culture of commercialism, instant gratification and consumerism it can be hard at times to teach your children the importance of hard work and the value of money. There some simple and effective things you can do to encourage your kids to work hard and earn their privileges. Read More >> |
25 October 2011 Which Way to Pay With the price of fuel going up, it’s easy to spend an enormous amount of money on gas at the moment. It may seem like if you want to drive, then you have to endure the rising prices, but there are some things you can do to reduce your gas outgoings. Read More >> |
24 October 2011 Which Way to Pay If you are having a difficult month financially and need some cash fast, don’t panic! Get a payday loan. These loans are designed to help take the pressure off your finances short-term. You can usually borrow anything from $100 to $1000 for 2 weeks to a month, enough cash to get you through until next payday. Read More >> |
21 October 2011 Which Way to Pay With the price of living on the up, we all want to save money where we can at the moment. The price of food is on the up in a big way. As fuel prices rise and our disposable income shrinks, there never was a better time to rethink how we spend our money. Read More >> |
20 October 2011 Which Way to Pay Getting legal advice can be time consuming and expensive, which is frustrating if your case is pretty basic. Legal services can offer you concise and expert advice on your case or claim, without having to fork out for lawyer fees. Read More >> |
18 October 2011 Which Way to Pay None of us can afford to waste money at the moment, and nothing is more wasteful than throwing money away. There are lots of charges and fees out there that take us by surprise, or we ignore for convenience sake. By accepting these charges is exactly how companies profit from us. Read More >> |
17 October 2011 Which Way to Pay Being in debt can feel like the end of the world. Getting debt free is a lot harder than getting into debt; it takes serious dedication and forward planning. If your debts are too severe to deal with alone, and the pressure is getting too much, then a consolidation loan could be the answer to your debt problems. Read More >> |
14 October 2011 Which Way to Pay The way we bank has made leaps and bounds over the last decade. We now bank online, take money out of ATMs, shop online and pay with cards for almost everything. As banking technology has advanced however so have the ways in which criminals steal your information. Read More >> |
13 October 2011 Which Way to Pay The price of fuel is on the up. As we spend more and more on gas, especially with the carbon tax looming, it can be difficult to see how you can cut down on your outgoings. If you can just make a few small changes, you can really save money! Read More >> |
12 October 2011 Which Way to Pay As borrowing from banks and other traditional channels has become more difficult since the recession, the market has opened up to a range of independent loan companies offering all sorts of new loans. The payday loan is one such loan. Read More >> |
11 October 2011 Which Way to Pay We all have extremely busy lives, and it can be difficult to find the time to discipline our kids. If you and your partner work, or you’re a single parent, it’s even harder to teach your kids about money as we can tend to appease our guilt by giving. Read More >> |
10 October 2011 Which Way to Pay There are many benefits of using a credit card, primarily that they are great way to borrow money short-term and keep your finances ticking over. Read More >> |
07 October 2011 Which Way to Pay Being in debt is no fun. Although getting out of debt should be your main aim, sometimes it all gets too much and you may no longer be able to afford the repayments. Keeping track of multiple debts can be tricky. Read More >> |
06 October 2011 Which Way to Pay Getting to work can not only be time consuming, but also expensive. With the price of fuel on the rise, we are spending more and more of our shrinking disposable incomes on driving. It may feel like this is unavoidable, and that cutting down on your time in the car is out of the question. Read More >> |
05 October 2011 Which Way to Pay Being in debt often feels overwhelming, especially if you owe money to multiple creditors. Keeping up with repayments can be draining, and admitting you need help can be hard. But taking the first step to getting help with your debts is easier than you think. Debt Management companies have a range of solutions for various levels of debt. Read More >> |
04 October 2011 Which Way to Pay If you are a bit short of cash and just need a small sum of money to get you through the rest of the month or pay a bill, a payday could be the answer. These loans have come on the market since borrowing from banks and other traditional channels became more difficult after the financial crisis. Read More >> |
03 October 2011 Which Way to Pay Most of us have a credit card, whether you use it or not. It can feel a bit reckless at times to just put things on your plastic, but you could actually benefit from using credit as long as you can pay off the bills. Most credit cards have a grace period of around 50 days to pay off any credit you have used without paying interest. Read More >> |
30 September 2011 Which Way to Pay If you wear glasses or contact lenses you know how much they can add up to. Visiting the opticians, buying frames, lenses and contact lenses all adds up, especially if you are a fan of designers frames. There are ways around this however. Follow these tips to save money today! Read More >> |
29 September 2011 Which Way to Pay The price of food is getting higher or higher. It may seem like this is an expense you can’t avoid, but there ways you can cut down on your grocery bill. We all live very busy lives and don’t always have time to cook or shop as much as we would like. Here are some tips to help you cut down on your food bill. Read More >> |
28 September 2011 Which Way to Pay As the ways we bank and deal with our money become more technologically advanced, unfortunately so do the methods by which thieves can steal your identity. Identity theft is the fastest growing crime in the world, so it’s a good idea to invest in identity theft protection. Read More >> |
27 September 2011 Which Way to Pay If you’re strapped of cash and just a need a small sum to get you through until the end of the month, or you get caught out for a big bill you weren’t prepared for, then a payday loan could be the answer. These loans have come on the market since borrowing from banks became harder during the recession. Read More >> |
26 September 2011 Which Way to Pay If you have debts then you know how stressful keeping up with repayments can be. Owing different amounts of money at various interest rates to more than one creditor can be very difficult to keep track of. A consolidation loan can take the pressure off and free up more of your income. These loans give you the money you need to pay back all your existing debts, leaving you with one manageable monthly payment. Read More >> |
23 September 2011 Which Way to Pay In a culture of instant gratification and consumerism, many parents find it difficult to instil a good work ethic in their children and make them understand the value of money. We all lead busy lives and as a result can tend to appease our guilt for not spending more time with our kids by giving them what they want. This is not beneficial to them in the long term. Instead set up a scheme through which they can help out around the house and earn their pocket money. Read More >> |
22 September 2011 Which Way to Pay Most of us have a credit card. It’s a great way to borrow money, with competitive interest rates, international acceptance, protection when shopping online and many other perks. But have you ever considered what you could get with a reward credit card? These cards allow you to collect points as you spend, the more you put on the card, the more points you get. Read More >> |
21 September 2011 Which Way to Pay We all need to start tightening our belts as the global financial situation worsens; no one knows what’s around the corner. Saving money is not always easy or fun, but it is possible, no matter how far you think you are already stretched. The trick is to not waste any and choose the cheaper option. Read More >> |
20 September 2011 Which Way to Pay We all wish we could cut back on spending, but old habit die hard and it’s not as easy as it might seem to save. It’s more important than ever to add to your savings account as the future of the global financial markets looks increasingly gloomy. If you don’t know where to start, then why not keep a financial diary for a couple of months. Read More >> |
16 September 2011 Which Way to Pay If you need a small sum of money just to get you through the rest of the month until payday, then a payday loan could be the answer. These loans are specifically designed to tide you over until you next get paid, the money is easy to get hold of and the loan periods are short. You have to be over the age of 18, be an Australian citizen, have a bank account and proof of employment. Read More >> |
15 September 2011 Which Way to Pay The recession has made it extremely difficult for thousands of Australians with bad credit ratings to get approval for loans from regular banks and other traditional financial institutions. Luckily, the market has been opened up to independent loan companies that allow you to get your hands on the money you need. A bad credit loan is the alternative channel to take when you have been refused for a mainstream loan. Read More >> |
