Cash Doctors Articles

Learn more about the convenience and suitability of leveraging your pay to access short term cash advances. Read these independently researched articles written by Cash Doctors designed to help you with your finances.

Is a bond loan your way home?

Have you found the perfect place but need a little extra cash to pay the bond? Don't worry there are plenty of options available. A Queensland government bond loan is the cheapest alternative if you're short on cash to cover your bond payment. However applying for this type of bond loan takes ... More>>

Properly shopping for a payday loan

When you have finished that big report for school, or the final chapter of your future best selling novel, the first thing you do, if you don't want to lose it, is to back it up. So that if your trusty old computer picks that moment to slip loose its mortal coil, your important docum... More>>

Bankruptcy: it's not worth it

If budgeting, negotiations, debt consolidation, or a debt agreement still fall short, then the last and least desirable option is bankruptcy. To file for bankruptcy you must complete a debtor's petition, statement of affairs and acknowledge having read the Prescribed Information Bookl... More>>

Bring it all together

Debt consolidation loans have really moved to the forefront in the recent years, as people seek better ways out of debt. Just what is a consolidation loan and how can it help the average person has been much debated. Here at cashdoctors.com we want our customers to have a much bett... More>>

A guide to budgeting your living costs

Living expenses are individual and depend on what type of "standard of living" you are used to. A standard of living essentially refers to the type of clothes you choose to wear, the type of food you choose to eat, and so on. If you have a high standard of living, you are likely to w... More>>

Build your financial dam

How is the river of your finances flowing? It isn't a difficult image to see, your cash flowing in, and flowing out to the various needs that crop up daily as your life moves on. The trick is in holding the flow long enough to see any of it build up. This is the trick to building ... More>>

Buying your house

Most of us are not secure enough financially to make the large purchases for cash, and nowhere is this more true than that biggest purchase, your home. It is so common to finance the house, that an entire sector of lending has grown up around just it. Cashdoctors.com.au wants you ... More>>

New Cash Doctors features

Throughout late 2006 and early 2007 Cash Doctors has been busy putting together some improvements to the way you can get your online payday loans. Below are explanations of the features as they apply to new and existing clients. Please contact us if anything is unclear. The bottom line is yo... More>>

The golden rule

Throughout the ages, gold has remained one of the most prized metals, in fact one of the most prized substances of all time. This has lead to its playing a major role in the modern financial world as the very basis for some currencies, and as a stable haven from the volatility of mor... More>>

What's the deal with the login?

The login has really pulled everything together for our clients. People have their own area where they can apply, keep track of their loan applications, sign the contracts and look up the details of any old loans. First and foremost it's a matter of transparency. Because of the... More>>

Security alert

This isn't about a virus creeping into your hard drive, it is about what you need to know about lending. Specifically, just what the difference between secured and unsecured loans might be. It may not seem like much, but when some bruiser is driving off in your c... More>>

New Cash Doctors features

Did you know...$8.7 billion goes towards paying mobile phone bills each year? Amazing right? Mobile phone companies like Optus and Vodafone are giants in their industry who make millions and millions of dollars every year. And thanks to the majority of Australia's population, it... More>>

Credit card discipline is the new black

According to Dictionary.com, discipline can be defined as 'training and control of oneself and one's conduct, usually for personal improvement". When it comes to credit cards, training and controlling the way you use them will lead to personal improvement. Of course this is much easi... More>>

Your credit rating vs your credit file

It's the almighty show down between credit files and credit ratings: what do they mean? And which is relevant to you? Let me explain. The credit system in Australia is often misunderstood by its millions of credit consumers around the country. The cause of this confusion is due to two... More>>

Debit cards: the online shopper's safety net

Shopping online is relatively new in the scheme of things. It's a craze that begun with just businesses selling their products (for example, a Cash Doctors payday loan). Now it's a world-wide phenomenon that, thanks to websites such as eBay, now anyone and everyone can sell anything they lik... More>>

Is debt consolidation right for you?

There is no single answer to this question for everyone. It is all based on your situation and the type of debt that you need consolidated. You have to look at it very carefully to see if debt consolidation is good for you. Cashdoctors.com.au wants you to have all the ... More>>

What have they got that you don't?

Finances can be a real pressure cooker. There are so many needs and so little money to go around, and each need clamours that it is the most important and should the one to come before all the others. How can you ever deal with it, and get to a more peaceful place with your money. ... More>>

Financial control is self-control

Emotions are a daily part of everyone's life, and just about everyone has the same ones. Yet some people have everything together so much better than others all the time. If you are one of those people, you should probably be reading something else. For the rest of us, we have issu... More>>

Personal loan calculators

One way to ensure you are getting the right personal loan for your individual situation is to make use of the personal loan calculators made available by your payday lender. You can usually find useful personal loan calculators on your lender's website, and these personal loan calcula... More>>

Find the excitement all around you

Everyday we all have the opportunity to find a little excitement to add to our lives. These little chances can get away if we aren't seeking them out. Some put a bad face on sensation seeking, but without it, what do you have to remember fondly when you are old and grey? Cashdocto... More>>

Free financial advice

The Beatles once said 'the best things in life are free.' We know not everyone will agree with that. But we do - because we've discovered one of those things. We've found financial counselling resources which you can use free of charge! The agencies offering this service a... More>>

Get in charge of your money

Does it often seem that you run from financial emergency to financial emergency? This is all too often the truth for too many people. Day after day they have to put off one bill to pay a more urgent one, and then the next day that bill becomes the more urgent one, and it never se... More>>

Is there such a thing as good bad debt?

At first, the question may seem confusing. You might be wondering how there could be any such thing as a good debt. Furthermore, you are probably wondering what that means and how that relates to you and your personal debt. From your position, you probably can't see anything good about being... More>>

Smart grocery shopping tips

There are several great ways to reduce your overall grocery bill. Most people would suggest that your best ally for curbing overspending in terms of the supermarket extravaganza is to plan your trip before you hit the aisles of the store. Plan your meals for the week or month before y... More>>

Home loan advice

Choosing the right home loan for your personal financial situation can be an intimidating task for even the toughest of fiscal veterans. In order to ensure that your goals are met within your budget, it is important to educate and inform yourself as to what plans are out there and wh... More>>

How Cash Doctors started

Quite often people ask me 'How did you get the idea for Cash Doctors?" As is so often the case, necessity is the mother of invention. When I was in my early 20's I was living in Brisbane and sharing a house with a few mates. At that stage, all we really cared about was having fu... More>>

Exactly how to budget - by Cash Doctors

Budgeting isn't that hard really, it's more a matter of actually doing it. Are you really going to do it though? People who smoke know they'll die sooner and they smoke anyway. They can't claim to be ignorant when there's a black lung staring at them every time they reach for a packet ... More>>

Interest and inflation: a complex relationship

Interest rates and inflation are tied together in a wide range of convoluted ways that get debated back and forth in financial circles constantly. To deal with them all has been the work of many important papers in the financial world, and there really isn't space here, so we'll just... More>>

Don't leave your christmas shopping until the last minute

Christmas is meant to be a time of happiness and festivity, but there are wide variety of reasons why for some people, just the thought of it can bring on a cold sweat. The temptation to spend, spend, spend at this time of year can sometimes be a little overwhelming, and giving in to that u... More>>

Should you lease or hire purchase?

To understand the best path for your situation it is crucially important to understand the differences between leasing and hire purchasing. They are subtly different in crucial points that can make more difference than you realize. Cashdoctors.com.au wants you to understand fully about any... More>>

Living within your means - the power of self-discipline.

As you sit in your lounge watching the latest DVD on your new home theatre system, the sound effects are blasting and you feel those pangs of hunger getting stronger. 'What's for dinner?' you wonder, and then you remember...that's right. Baked Beans on toast. Again. The new system is ... More>>

The Loan Calculator: a useful tool

Money doesn't grow on trees, right? Exactly. But there are ways that you can get your hands on money you need, and fast. Getting a loan is not normally the hardest part these days; it's working out how feasible it is to repay it. Enter the loan calculator. A... More>>

Loan rates, what are they?

Every day in the news you hear something new about interest rates, loan rates, the Reserve Bank, borrowings and what it all means for the average Joe. But what are loan rates and what do they have to do with you? Loan rates are the interest rates applied to your loan which a... More>>

All's fair in love and money

Moving in with your partner? That's a big step. Let's be honest: learning to co-exist can be hard. Either things go well and it's a stepping-stone for bigger things, or it allows you to see all those annoying little things that you never noticed until you actually lived with them, wh... More>>

The Low Down on the Unsecured Loan

If you are looking for money and you need it fast, an unsecured loan is probably on your agenda. An unsecured loan is not backed up by what is known as a "security" and can be some form of collateral, or even a guarantor who has signed up to take over the unsecured loan for you if you... More>>

Match the debt to the need

Many people these days get into temporary troubles that trail them for the rest of their lives. For these people, the options seem more limited than they actually are. This is why cashdoctors.com.au want you to know about all the options available to you when your needs arise. This... More>>

Be the best you can be: <br> Mmaximising your financial potential

Work to live or live to work? If you're anything like me then you fall into the first category. Don't get me wrong, I enjoy what I do, but I do it so I can fund my lifestyle. Now this isn't some extravagant lifestyle that I have to work 12 hours a day, seven days a week to pay for, but... More>>

Mortgages and lines of credit: the reality

A mortgage is the method of using property as protection for the settlement of a debt. The term mortgage refers to the actual legality of securing the property and is often commonly used to refer to the actual debt that is secured by using the mortgage. Mortgages are strongly, in mos... More>>

Online Money - Does Easy Access Equal Easy Excess?

Is it easier to lose control with online money? Online shops and online auction sites are great places to find bargains but do we actually spend more money now that we can buy things online? Paying with online money is so easy and more people than ever find it safe enough to fill the... More>>

Plan for a secure future

The future does not take care of itself. In your financial future, this is truer than any other facet of the future. Daily decisions compound to fill or empty your accounts for years to come. A plan helps weigh these decisions and move into the future more prepared. A financi... More>>

Professional money management

Many people weigh the discussion in their heads in terms of seeking out professional money management assistance. On one hand, paying someone money to assist in looking after money seems a bit ironic and, frankly, a waste of...money. On the other hand, the advice that is likely to com... More>>

What's the deal with rental bonds?

When it comes to moving into a new rental property, there are a few costs involved which can add up and leave you out of pocket if you haven't got any savings. The cost that seems to cause the most confusion is the rental bond. Now for those of you who are new to the rental game and d... More>>

Millions of Australians to receive fast cash bonuses

Millions of people all over Australia are waiting anxiously. Why? Because for several days now, negotiations have been going on to decide the fate of the Rudd government's $42 billion stimulus package. For millions of people this money injection is welcomed with open arms;... More>>

What you should know about savings accounts

Are you living pay check to pay check? Are there things you want in life, but don't have the money for? Are you dreaming about getting some savings behind you but don't know how or where to start? Well let us make it really easy for you. Here's some solid gold info on wher... More>>

Top 10 ways to save on petrol

We seem to have a love hate relationship with petrol. Without it, our cars wouldn't start but with it our pockets are emptied. In these testing economical times it doesn't help that the price of petrol has been dramatically increasing over the years. So while we can't change the price ... More>>

Saving money on your phone bill

There really is no right or wrong way to save money on your telephone bill, but there obviously is a desired outcome that could deem your plan of attack successful or not. You want to maximize the savings on your phone bill without minimizing the calling you wish to do on a daily basi... More>>

The inside word on shopping for a credit card

Credit cards. They're so handy to have, but when shopping for the right card for you, it can all get a bit overwhelming. Where should I go to get one? What features should I look out for? How much will I have to pay in interest and fees? Well we've taken the hard work out of shopping for cr... More>>

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Simplifying your debt

Debt builds all around modern life, and the many sources can become confusing and overwhelming. Car loans, credit cards, and bills can create monthly avalanche of paper, leaving you overwhelmed under the sheer paperwork. Eventually, everyone misses one, and then the fees pile up on top of... More>>

Keeping on point: The methodology of staying on budget

When you have a budget for your family or a personal budget or even a corporate budget, it is vitally important that you have a strategy to stay in top of the budget requirements you have set for yourself. Failure to stay on target will render the budget effectively ineffectual and will, in... More>>

Summer meals on a budget

Are you longing for lazy summer days? Do you imagine sitting by the water, looking fit, feeling happy and free? You want it, you got it. Summer has arrived! Roll out the towel, pump up the footy, fire up the barbie and let the good times roll. To ensure you keep both your s... More>>

Aussie's want Aussie Loans

Aussie Aussie Aussie Oi, Oi, Oi We Aussies are pretty particular about our beer, our beaches and our weather, and when it comes to loans, we also like to keep it in the family. If you are an Aussie in need of cash, you probably want an Aussie loan. There is nothin... More>>

The Loan Calculator: a useful tool

Money doesn't grow on trees, right? Exactly. But there are ways that you can get your hands on money you need, and fast. Getting a loan is not normally the hardest part these days; it's working out how feasible it is to repay it. Enter the loan calculator. ... More>>

Things change

Wouldn't it be nice if predicting the future was as easy as looking into the crystal ball, and we could know what change was coming our way before it came? Too bad that life just doesn't work that way. The future is a murky vision at best and we all just have to make the best guesses possi... More>>

Just what are you worth?

At the mention of personal worth, most people immediately think of their bank balance, or salary, but personal worth goes much deeper. It is this deeper level that has to be address before wealth can be achieved and maintained. This is the level where a person's worthiness is judged. Cas... More>>

What does happiness cost?

As long as there has been money, the debate has raged as to whether or not it could buy you happiness. Probably, before then it was whether you could barter for it. Three yaks and a chicken for a few chuckles at Thag's Stone Pub, and it's all a headache in the morning. In the end, money i... More>>

What have they got that you don't

History is filled with those that made some mark on the world. That reached a higher pinnacle than those around them. Most of us are among the others, those that didn't find their way to the top or reach the brass ring. CashDoctors.com.au wants you to understand what the factors are to ac... More>>

What is the best loan option for you?

You need money, and you're looking for the best loan you can get that will get you what you need - hopefully fast. Depending on your reasons for trying to find a loan, working out which is the best loan for you will take a process of elimination. Here are some scenarios to help you to ... More>>

When the going gets tough

Quite often in this life things happen that are not planned or foreseen. These things can have a multitude of different outcomes depending on how you handle them. If you are find yourself in a position where you are unable to meet your financial commitments as a result of losing your ... More>>

Who works at Cash Doctors

It's always interesting to know what's going on behind the scenes in an organization. Is it a bunch of predatory corporate stooges in a sterile environment or is it a fun place to work where everyone gets into it? The founders of Cash Doctors have taken great care to create an environm... More>>

Why the bank won't buy you a surfboard

Imagine this. You arrived at the beach for an early morning surf to find the sun glittering on the water like diamonds and 6-8 foot glassy waves coming into shore like there's no tomorrow. There are barrels galore, and only a handful of people out in the water, so there are plenty of w... More>>

The lost art of writing a cheque

Many people claim that we live in a "cashless society" with debit cards, credit cards, and internet electronic banking dominating the way in which we do business with one another. This author, however, considers it sad that we have taken the personality out of our fiscal affairs and believe... More>>

What's your cash personality?

No one likes to think about money - unless of course it's winning lotto or getting a raise. But the daily choices that we make have an enormous impact on the kind of life we lead. Living in the consumption-focused society of today, people tend to fall into a routine with their spending, oth... More>>

Your Rights As A Consumer

With all the shopping that goes on not just during the holiday season, but throughout each year, there are a lot of purchases that are made where products are either faulty, not what the consumer thought they were, or the consumer simply changes their mind. And a lot of the ... More>>

Have your tax and spend it too

It's that time of the year again...tax returns are due. If it's your first time lodging a tax return or even if you've done it before maybe using an agent, you might consider using the e-tax option this year. E-tax is an electronic lodgement system available through the Australian Tax... More>>

Loan calculators: a useful tool

Can you really afford that new house? Do you think it's the right time to borrow money for that car? What will you do in 6 months when you were thinking about changing jobs? There are plenty of reasons you might need to make use of the loan calculators available online. ... More>>