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Debt can cripple your financial stability. From mortgages to credit cards, there are so many ways to find yourself owing money to one thing or another.
Unless you intend to default on all of them, paying off debts eats away at your income. In some cases, the debt is manageable and small. However, if you have a lot of debt and difficulty in paying it off, you need to find a financial planner to help with debt management.
In the simplest of terms, debt management requires you to live on a day-by-day basis under a strict budget. It doesn’t matter what the cause of the debt is, as long as you can pay it off at a reasonable rate while still maintaining decent living standards.
Come to us and get a certified financial planner Australia to help you manage what you owe. We can build a plan that accomplishes your goals and the core purpose of debt management.
Debt management strategies work best when dealing with unsecured debts, such as credit cards and personal loans.
If you have an excess of debt, you need to manage it. Failure to meet monthly payments reflects poorly on your credit history. With a poor history, your prospects for new loans goes down. This begins a chain reaction that an affect any plans you have of retirement income and financial freedom.
Debt management requires knowing how to set priorities. There are necessary expenses, such as rent or food. There is the debt itself, which needs to be paid. There are the occasional treats that you can indulge if you have money to spare.
Our financial planner can help you set your priorities, figure out what needs to be kept up and what is only dragging you down. With our help, you will have a fixed budget that covers all of your debts but still leaves you with room to enjoy a little treat now and then.