Every month, a glorious day slowly rolls around, where you log into your Internet banking and constantly refresh the page until you notice a large increase in your balance. You fist pump triumphantly, startling nearby colleagues with your unexpected outburst. After calming down and avoiding the startled looks from nearby cubicles you consider how to spend your pay.
If you’re anything like the typical Aussie, your households average disposable income is around $1,000 a week, according to the Australian Bureau of Statistics. Considering that rent across the capital cities is on average almost $500, you might have very little left over after food, utilities and fun-money is all deducted. In this situation, a low-interest personal loan may be a smart option, to help you afford unexpected expenses or pay for a desperately needed vacation.
Ambitious, career-focused workers are often put under pressure to do longer hours, go above and beyond, and potentially even forego annual leave. In fact, a recent survey by travel giant Expedia found that 22 per cent of respondents worldwide felt guilty taking time off.
Aussies may not be too different as we currently have over 123 million days of untaken annual leave – that’s almost 21 days per person! There could be myriad different reasons for our insane holiday deficit, however financial difficulties don’t have to be one of them.
Find an experienced mortgage broker to help find a suitable loan product and you could be soaking up tropical sun in a matter of days, returning to work with a lovely caramel tan and a rejuvenated attitude.
The old adage, “expect the unexpected” is apt when organising your finances. Anything could happen, from an unfortunate fender bender on the way to work, to your children discovering a passion for DIY and “improving” your walls with creative crayon art.
Savings may have you covered in the event of one or two mishaps, but we all know the superstition of bad things tending to come in threes.
If a series of unexpected and unfortunate costs force you to scrape the bottom of your bank account, a personal loan might be helpful to get you through. Enlist the assistance of an experienced broker like us, and you can be sure that such a loan will be personally tailored to you, with manageable repayment terms and low-interest rates.