Top Tips for Holidaying on a Shoestring

When Winter sets in, there’s nothing quite like planning that family vacay to warmer pastures. The good news is, that taking a Winter getaway doesn’t need to break the bank.

In fact, we’ve put together our top tips for holidaying on a shoestring to help get you stared!

A Personal Budget

A budget is a critical tool for managing your personal finances, whether you are looking to turn around your financial situation or to build more wealth with your current salary. These practical, insightful tips can guide you in creating any type of personal budget, both as an individual or for your family.

For a housing deposit; others are saving for an overseas holiday or a share portfolio. Following a budget usually involves small sacrifices, and having a specific goal in mind will make these sacrifices easier.

Your loan has been paid out….so now what?

At Capfin we think there are a couple of important things to do and keep in mind once your first loan has been paid out.

If you think you might have missed a payment to Capfin, or any other credit provider, the key is to pick up the phone and call us. Simply hoping that the situation will correct itself isn’t going to help. Most responsible lenders are happy to listen and assist you if you experience financial hardship.

Protect your Personal Credit Information

Protecting your personal credit information is an investment into your future. Looking after and being aware of the detail of your credit history with financial institutions is critical. Negative or adverse information recorded with the credit providers, or credit bureaus, about when and how you pay will affect your ability to buy a car or a house, or even to borrow money in the event of an emergency. Equally important is ensuring that you protect your personal credit information from identity theft and fraud.