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The household finances can look like a bit of a train wreck at this time of year. Even if they dont need urgent resuscitation it is an ideal opportunity to take a little time out to plan a better year in 2019 financially. If life saving action is required the first step is to face the problem list all amounts owing on credit cards, store cards, personal loans and Afterpay type schemes. Write down the required payments and the interest rates on each. If it isnt possible to make all payments when due and get on top of the problem that way, look for an option to consolidate the debts into one loan at a lower interest rate over a longer term with lower payments. If you own your home it may be possible to add the debts to the home…
Read the full article at: https://www.centralwesterndaily.com.au/story/5875524/time-to-take-charge-of-your-finances/