96 articles written by Patricia Babalis

Credit Cards

What is the perfect credit score and how do I get it?

Many people don't give a lot of thought to their credit score until they need to borrow money. When you apply for credit, a lender will take into account your existing credit score to determine whether you are a high risk customer and how much money they should lend you. If they deem you to be high risk you could potentially be hit with higher interest rates or a straight-out refusal of your application.

Savings Accounts

Baby's first savings account

If you’re expecting in 2017 there are probably a million things on your mind and your baby’s financial future most likely isn’t number one.

Credit Cards

Top travel cards for 2017

For the lucky holiday makers who are heading overseas, taking the right credit card can make all the difference when it comes to spending fees and charges.

Credit Cards

Best 2017 balance transfer deals for a Christmas debt hangover

If you spent a little too much over the silly season and are expecting a big credit card bill in the mail come February, then it’s time to lock in a low rate balance transfer deal to get on top of your debt.

Home Loans

Refinancing traps and how to avoid them

For the first time refinancer there can be many little traps throughout the process that can mean paying more than you expected.

Home Loans

How to refinance online

There are now so many tools and resources available on the internet that you can complete the whole refinancing process from start to finish online.

Home Loans

How much does it cost to refinance?

If you are weighing up the pros and cons of refinancing, you will need to consider the costs that can be involved in the process.

Home Loans

What is the refinancing Fast Track process?

In your refinancing research you may have come across something known as the fast track refinancing process. This refers to a specific type of refinancing, offered by some lenders, that allows the borrower to get their new loan settled in approximately three days if no physical property valuation is required.

Savings Accounts

Five Christmas presents that won't break the bank

Are you worried about how your credit card will fare over Christmas? Think about giving some of these low-cost but incredibly thoughtful gifts.

Credit Cards

How to pay off your credit card debt on a low income

In the past year, major cardholders planned to carry forward $19 billion worth of debt according to research conducted by Roy Morgan.