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Ebony Rose Loans – who are our clients?

May 13, 2019

Self Employed Walter and Betty are a married couple in their late 50s. Walter has been self-employed for more than 20 years. Betty works part-time at the local pharmacy. They have had some tough years financially with income down for a few years, until about a year ago, when Walter was able to sign new […]

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How to adult – a quick guide to personal finances in your 20s

April 29, 2019

It’s a pity there’s no handy ‘How to’ book to teach you about adult life, especially when it comes to finances. It’s something that you need to learn on the job. To make the task easier, here’s a breakdown of the three trickiest areas to get to grips with in your twenties – debt, cash […]

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2019-20 Federal Budget roundup

April 5, 2019

Find out how the measures announced in the 2019-20 Federal Budget could affect you. Here’s a roundup of some of the key proposals put forward in last night’s Federal Budget. We take a look at how they might affect your financial goals — whether you’re starting out in your working life, building a career, having […]

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6 ways to reduce your credit card debt

January 22, 2019

$45 billion. That’s how much Australians owe on their credit cards.i Now, perhaps that’s no drama if we’re not paying too much to access credit and we’re managing to avoid interest charges by paying back what we owe on time. But we paid a collective $1.5 billion in fees in 2016-17.i And we’re taking out new […]

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How to spend mindfully this Christmas

December 4, 2018

It’s the morning after the night before. You wake up on Boxing Day and stumble into the lounge room to face what looks like…Armageddon. There’s wrapping paper strewn all over the floor, every surface is covered with toys and knick-knacks that seemed like a good idea at the time and the recycling bin is already […]

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How to deal with financial stress

October 30, 2018

Close to one in three Aussies are feeling the pinch financially, with money worries reportedly leading to sleep loss, conflicts in relationships, isolation, as well as a range of other things.i These were the findings from the inaugural Financial Stress Index, compiled by global research firm CoreData on behalf of Aussie group, Financial Mindfulness, which indicated […]

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Family activities to do on a budget

October 2, 2018

Spending more than what you intended on is a familiar scenario for many people entertaining kids, whether that’s at the movies (you swear you’re bringing your own Maltesers and drink next time), or sporting events (where you often fork out more on hot chips than you do on the tickets). Whether it’s school holidays or […]

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Rise of the side gig economy due to technology

August 14, 2018

Chances are you either have a side gig (a way to make money on the side of your usual job), want to have one, or you benefit from someone else’s. While the gig economy has been bubbling away in the background for a while now, it continues to be on the rise, and people are […]

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When to charge your kids board

July 24, 2018

Recently there was a news story about a hapless New York couple, who have taken their 30-year old son to court in a last ditch effort to get him to move out of home. Your first thought may be “only in America”. But here in Australia, high rents and low housing affordability are seeing plenty of […]

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Be alert for tax scams this EOFY

June 19, 2018

The end of the financial year will likely bring the usual wave of scams. Here’s what to watch for. The Federal Budget is behind us, and amid the celebrations over tax cuts (around $500 annually for low to middle income earners), now is the time to be mindful of scammers pretending to be from government […]

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