I’m very proud to inform you that Debt Loans has been featured in two more carnivals: The Carnival of Everything Personal Finance over at nil2million, and the Carnival of twenty something finances over at Money under 30.
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Photo by Robert C

Australian health insurance is divided into two broad categories, Medicare and private health insurance. To help clear up any confusion about health insurance cover, I’ve devised a little primer to break it down for you.
Medicare
Medicare is the primary source of health cover in Australia. Funded and managed by the government through Medicare Australia, it covers citizens and most permanent residents (except the poor residents of Norfolk Island).
Medicare covers 100% of the costs incurred if you enter a public hospital as a public patient. However, you generally cannot choose your doctor …

Although the importance of life insurance cannot be overstated, its price tag can quickly obscure the value of holding a sound policy. As a result, many individuals altogether forego life insurance or, perhaps equally as ill-advised, purchase a policy from a less than reputable company.
If you have family members that, in the event of your sudden death, would be left with any financial burdens, it is imperative for your peace of mind and theirs to have a life insurance policy ensuring that their basic expenses are met.  And even though …

Qualifying for a low-interest rate loan is an ambition many have but a dream few realize. Unfortunately, securing a loan at optimal rates can be an incredibly difficult feat to conquer. Although every lending institution establishes its own criteria and guidelines for issuing loans, most reserve stringent income, credit, and savings standards when it comes to evaluating a loan applicant and awarding the lowest interest rate possible.
Naturally, some lenders are considerably more flexible than others and therefore willing to work with borrowers who have diverse and even less-than-favorable financial histories. …

The internet is full of sites dedicated to helping you get out of and manage debt. Bookstores have whole sections devoted to the same thing. But sometimes you need more urgent help than that. Debt snowballs, budgets, and long term money management programmes are great, but they won’t help you if you are on the verge of bankruptcy.
Here are 10 tips to help you avoid the dreaded ‘B’ word.
Stop spending
As shocking as it may be, many people on the road to bankruptcy never stop spending …