Other Contributors

Getting on Top of Credit Card Debt

Posted:03.26.2013

Did you know the average credit card debt in Australia is $3500? And paying minimum repayments at the average interest rate of 21.5% could take over 90 years to pay off?

Shocking but true.

In a recent article in The Sydney Morning Herald ‘Plot a path to turn red into black‘, some basic tips to get yourself out of a credit card pickle were shared along with case studies which show it can be done.

Here are some other tips and resources to help get on top of debt and back into black:

TIP!! If you are consolidating debt, make sure you are careful of your credit rating, making multiple applications for credit cards etc can impact your ability to apply for a home loan etc. at a later date. Talk to your bank manager/s but don’t let them log any applications for you unless they’re 100% sure you will get it. You can check your credit history by getting a free copy of your credit report from these credit reporting agencies:

TIP!! Paying a little more than the minimum repayments on your credit card can mean the difference between having the debt for 90 years or 2!

Paying more than minimum repayments on credit cards

Start small, be strategic, keep on it and you’ll get there in no time.

The Gift Of Giving

Posted:11.27.2012

I am a terrible gift giver. I mean, I love to give gifts, I’m just useless at finding good gifts. Whether it’s a birthday present, a wedding present, a Christmas present or any other kind of present, I’m just no good at it. My sister has a knack for it. Especially when it comes to the cards. She just has this incredible ability to find a card that sums things up perfectly. Whether it’s a funny card for a birthday, or something a little more sentimental, she always gets it right. Puts my efforts to shame every single time.

As Christmas rapidly approaches I begin to panic as I start to think about the gifts I need and want to give. Presents for my partner of seven years, my Mum, my Dad, my sister – people I’ve known forever and I still have no idea what to give. Gone are the days of childhood when you had to wait for your birthday or Christmas to get that new book or CD – we all earn our own cash now, so it’s especially hard when people have it all – or go out and buy what they want, when they want it.

That’s why I love the idea of charity gift cards. Many charities at this time of year roll out their gift catalogues where you can make a purchase or donation to their work in the name of someone else. What’s particularly great about this is you can target the donation to the person you want to give it to.

Example: My Dad. He’s the hardest person I know to buy for. He doesn’t really read, he’s a handy man but has all the stuff he needs, he doesn’t play sport, he volunteers but doesn’t have much in the way of hobbies that I could buy him things for. But he LOVES the footy. So I checked out Oxfam. For $65 I could make a donation to a program that uses footy as a way of helping young Aboriginal and Torres Strait Islander men. Sold. This way, my Dad doesn’t get something he doesn’t need or want and he contributes to the sport that consumes about nine months of his year!

If there’s a charity you know that’s close to your heart or the heart of the person you’re struggling to find a pressie for, check them out. Chances are they’ll have a gift catalogue or you can just make a general donation on their behalf.

Now, not everyone likes this idea. There’ll always be someone who likes receiving an actual present. People that know me know that this is one of my ‘things.’ I love the idea of sharing our wealth with communities who really need it – rather than buying my Mum yet another scented candle that will sit in a cupboard.

So for those people in your life that that feel the same way, charity gifts can be a great way of spreading a little love at Christmas – or at any time.

Photo Credit

Ally Wells is travelling an undetermined path; following life’s twists and turns to see where she might end up, trying to relax and enjoy its unpredictability.

A Different View

Posted:11.05.2012

I love to travel. I have ever since I was lucky enough to go to Germany when I was 16. Since then I’ve lived and worked in London, spent six months in Uganda and, most recently, spent an entire year living in Cambodia followed by nine weeks backpacking around South East Asia.

My six months in Uganda and my one year in Cambodia were amazing experiences, made all the more amazing because I wasn’t just a traveller. I was a volunteer.

There are many debates to the role travellers can play if they choose to volunteer. There are numerous articles highlighting the issues and implications of ‘volun-tourism.’ Some are all for the idea, others are much more cautious, and even more are dead against it.

I could write a thesis on this topic, but, for now, I’ll stick to my own experiences; and what very different volunteer experiences they have been.

In Uganda I paid a fee to an organisation to host me in country. Being 22 and never having been to a developing country, this seemed like the easiest place to start – having someone else organise the logistics for me. And to an extent, it was. Was it expensive? Yes. Was it more expensive than perhaps it would have been had I travelled independently? Yes. But it was easier. The benefits of paying to volunteer, for me, in this case, far outweighed the difficulties of organising six months independently.

My role in Uganda was not always the one I had dreamed of. Organisational frustrations on the ground made things challenging, not to mention the culture shock of being in a place so foreign. But the relationships I formed and the connections I made still live with me now. My host family took me under their wing and made me feel at home. The children I worked with, helping fix up their school and dormitory, installing a rainwater tank with other volunteers and generally just hanging out singing songs and kicking balls around, they are the ones that made my experience. Sure, I may not have contributed lasting change to the lives of these beautiful children, and this type of volunteering may not be the best, but the experience enriched my life, and I can only hope, that at least for six months, it enriched theirs too.

It was this experience that led me to study more. To learn how I could spend time overseas in a way that would actually contribute to communities in a long-term, sustainable way.

And that’s where the Australian Youth Ambassador for Development (AYAD) program comes in to it. This program is for skilled young Australians and is committed to achieving sustainable development through capacity building, skills exchange and institutional strengthening. Organisations in Asia, the Pacific and Africa submit roles to be filled by Aussie volunteers in areas they need additional support. Volunteers must apply for positions and go through a rigorous selection process before undertaking pre-departure and in-country briefings before their placement starts. Volunteers are supported with a living and accommodation allowance and flights and insurance are covered by the program.

I was lucky enough to get a spot through the AYAD program with an organisation in Siem Reap, Cambodia; This Life Cambodia. My work here used skills and experience I already had to contribute to the organisation, working with staff to write better reports and grant proposals and newsletter articles, among other things. My work involved creating processes and procedures with local staff that live on, even though I’m no longer around.

Once again, it was the people I met through this experience that made my year in Cambodia so incredible. The vibrant, passionate, young Cambodians who introduced me to local hang outs and food, who laughed with me (and possibly at me) as I failed to master the Khmer language, who sang karaoke with me and taught me how to dance like an Apsara (rather ungracefully I’m afraid).

If I had not volunteered I would never have met these incredible people. I would never have had these experiences. I would have passed through Siem Reap in three days, visiting Angkor Wat and experiencing the Western party side of town. Instead I got taken to eat banh chao (Cambodian savoury pancakes) at a restaurant near Angkor Wat, and I got to play sideshow games, watch kids on the Ferris Wheel  (I wasn’t quite game to have a go myself, OHS in Cambodia is not so great …) and eat 50cent bowls of noodles at 60 Road, a local haunt.

For me, volunteering is a great way to really experience a country. Sure, some volunteer placements are better than others. Some are more focused on making sure the volunteer has a great time, cuddling babies or building houses, doing work that locals could be doing, and others are more focused on professional development and change; working with locals. Some do more harm than good for local communities. Some cost a fortune, others are free if you can get to your country of choice, and some will even pay for you – if you have the right skills and background. There are a plethora of options for volunteering.

We live and we learn. My first volunteering experience made me realise there was a better way I could volunteer and travel. My second one proved that. Everyone has to start somewhere. My advice; do you research and give it a go – it will change the way you see the world.

Ally Wells is travelling an undetermined path; following life’s twists and turns to see where she might end up, trying to relax and enjoy its unpredictability.

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