Consolidating all your

25-Feb-2016 14:18

consolidating all your-16

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At Westpac, we offer three ways to consolidate debt: A personal loan can be a good option to consolidate a range of debts.The main benefit of a personal loan is that it has a fixed term.Remain focused by putting a plan in place to pay off the entire balance during the interest free period.You should also consider cutting up your old credit cards so you don’t end up in more debt.This is generally the best option for consolidating credit card debt.By transferring multiple balances from non-Westpac credit cards or store cards into one low rate credit card you can potentially: This option requires good discipline as there is no set repayment amount.However, when your debt gets out of hand and you find yourself juggling multiple cards and loans, it can be exhausting. Debt consolidation could help you to combine your outstanding debts into one convenient loan potentially at a lower rate than you currently pay.If this sounds familiar, there are actions you can take to rein in your debt and pay it off sooner. Simply put, that’s one loan, one regular repayment, one interest rate and one set of loan fees.

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By combining multiple debts into one easy to manage personal loan you can potentially: Read more about our personal loans.You can use our Budget Planner to work out how much you can realistically afford to repay each month.Step 3: Explore debt consolidation options Now that you know where you stand - how much debt you owe and how much you can put towards your repayments - it’s time to set up a plan to clear it.Step 1: Gather information about all your debts To take control of your debt it is essential to know how much debt you have.

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Review your statements and work out the following: Step 2: Work out how much you can put towards paying off your debt each month Next, it’s good to know where your money is going and how much you have coming in.If you are finding it hard to keep up with your billing cycle, set up a direct debit.