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A Wealth of Information.
Tips & Tricks
Whether you're just starting on your financial journey or you're a seasoned pro, you'll find valuable tips and tricks at The Academy.
We cover a wide range of topics, including how to budget effectively, how to invest wisely, and how to manage your debt. We also offer in-depth guides on the various types of loans available, from personal loans to mortgages and everything in between.
Helping You Achieve More
At The Academy, we're dedicated to providing you with the best possible financial education.
We believe that by empowering you with the knowledge you need to make informed decisions, we can help you achieve your financial goals and live the life you've always dreamed of.
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Fintech LoanOptions.ai has developed a tracker tool which offers customers full transparency on their loan application. CEO and Founder Julian Fayad said "why is it that customers can track a pizza delivery to the value of $20 but customers can’t see where their finance application is up to when the value is $50,000 or more."
Fintech LoanOptions.ai has developed a tracker tool which offers customers full transparency on their loan application. CEO and Founder Julian Fayad said "why is it that customers can track a pizza delivery to the value of $20 but customers can’t see where their finance application is up to when the value is $50,000 or more."
Keeping track of your finances is a critical component of financial wellness. By creating a budget, you can gain a clear understanding of your income, expenses, and cash flow. Budgeting can help you identify areas where you can cut back on spending and save more money. It can also help you prioritize your financial goals and make progress towards them.
Understanding and keeping up to date with taxes is an important part of managing your finances. Check out the below resources to learn all about tax rates and what you can and can’t deduct each financial year.
Ah, tax time. That magical time of year where we all scramble to get our finances in order and hope that the tax gods will bless us with a sweet, sweet refund. But let's face it, maximising your tax refund is no easy feat. With the ever-changing tax laws and regulations, it can be challenging to know where to begin. Fear not, my friends, for I am here to provide you with a checklist of tips and strategies for individuals and small business owners to help maximise your tax refund in Australia.
Tax Deductions and Loan Interest: What You Need to Know
Tax deductions are a critical aspect of reducing your tax liability and maximising your financial position. One tax deduction that can significantly reduce your taxable income in Australia is the loan interest deduction. This deduction is available to individuals and businesses that have taken out a loan for investment or operational purposes...
What's New for Tax Time in Australia: Key Changes and Updates for the Current Financial Year
Tax time in Australia is a crucial period that every citizen must abide by. It is the time when individuals and businesses must report their earnings and tax payments for the financial year. This year, there are several key changes and updates that every Australian needs to be aware of to avoid any legal penalties. In this article, we will highlight the significant updates and changes for the current financial year...
Understanding the Impact of Tax Time on Loan Applications
Tax time can prove to be a particularly arduous season for many Australians, with individuals and businesses frantically scrambling to meet their tax obligations, which can also hinder their ability to secure loans. This article aims to provide an insightful overview of how tax time can impact loan applications in Australia and offer effective measures individuals and businesses can take to mitigate any negative effects.
All About Interest Rates.
The Current State of Interest Rates in Australia: An Overview and Outlook
Interest rates play a significant role in any economy, including Australia. The Reserve Bank of Australia (RBA) sets the official cash rate, which has a massive impact on interest rates for various...
Fixed vs. Variable Interest Rates: Which is Right for You?
When it comes to choosing an interest rate for your mortgage or other financial product, there are two main options: fixed and variable rates. Each has its advantages and disadvantages, and the decision can have significant long-term implications for your finances. Let’s explore the differences between fixed ...
How Interest Rates Affect Your Loan Repayments in Australia
Interest rates are a critical factor in determining the cost of borrowing money. In Australia, interest rates have a significant impact on loan repayments, whether you're taking out a mortgage, personal loan, or other forms of credit. In this article, we'll take a closer look at how interest rates affect...
Comparing Interest Rates Across Australian Banks: What to Look For (Tips for Borrowers)
When it comes to borrowing money, one of the most critical factors to consider is the interest rate.
Cracking the Credit Score Code
The Credit Score Game
The Dos and Don'ts of Building Your Credit Score
Don't Let Ignorance Cost You
7 Steps to Improve your Credit Score.
Check Your Credit Report.
Get a copy of your credit report from one of the credit bureaus (Equifax, Experian, or TransUnion) and review it for errors or inaccuracies that could be negatively affecting your score. Dispute any errors you find with the credit bureau.
Pay Your Bills On Time.
One of the most important factors in your credit score is your payment history. Make sure to pay all of your bills on time, including credit card payments, loan payments, and utility bills.
Reduce Your Debt.
Another important factor in your credit score is your credit utilization ratio, which is the amount of credit you're using compared to the amount you have available. Try to keep your credit utilization ratio below 30%.
Increase Your Credit Limit.
One way to improve your credit utilization ratio is to increase your credit limit. You can do this by asking your credit card issuer for a credit limit increase.
Avoid Closing Old Accounts.
The length of your credit history is another factor in your credit score. Avoid closing old credit accounts, as this can shorten your credit history and lower your score.
Limit New Applications.
Applying for new credit can also lower your score, so be strategic about new applications. Only apply for credit when you need it, and try to limit the number of applications you submit.
Be Patient.
Applying for new credit can also lower your score, so be strategic about new applications. Only apply for credit when you need it, and try to limit the number of applications you submit.
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