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Living with debt is never a good idea if you want to make long-term financial plans. Every cent you use to service debt is money that could have been invested in your future. Investment is extremely important Cheap Jake DeBrusk Hat , and can lead to a more comfortable and secure retirement. Just as smart investment can lead to a more secure future, mismanaging your money and incurring debts can lead to financial difficulty down the track. Poor money management can prevent you from taking advantage of many different kinds of financial opportunities, and may effect your credit report.

Debt affects your ability to save and invest for the future

Every time you make a repayment on a loan or pay off the balance of your credit card Cheap Charlie McAvoy Hat , you are spending money that could have been more usefully invested in other ways, such as building that nest egg for the future. Reducing your total amount of debt is vital for your long-term financial health.

At the moment, wealth accumulation may seem like an unattainable goal. However Cheap Tim Schaller Hat , you need to make sure that you have money to live comfortably during retirement. Constantly using money to pay off your debts will ultimately have a significant impact on your ability to build the kind of future you deserve.

For example, if you spend $500 each and every month servicing debt (which is a conservative estimate based on the rising level of consumer debt in Australia), you may find it extremely difficult to save money. The sooner you are able to begin investing and putting that $500 to better use Cheap Torey Krug Hat , the more secure your future financial situation will be.

Debt affects your credit rating and your future ability to obtain credit

Mismanaging your debts, failing to make scheduled repayments or making late payments on a regular basis can have a significant impact on your future ability to obtain credit. If you do not service your debts responsibly, your bank or financial institution can contact a credit reporting agency and request that your failure to make a repayment be noted on your credit report. Having an impaired credit report means that other lenders may be more reluctant to give you credit.

An impaired credit report will affect all your future credit applications. Each time you apply for credit Cheap David Krejci Hat , such as a mortgage, a car loan, a credit card or an overdraft Cheap Danton Heinen Hat , your credit history will be checked and you may be refused because you are deemed a credit risk. A credit default can remain on your credit report for 5 years, while a serious credit infringement can remain on your credit report for 7 years.

If you have a seriously impaired credit report, you will probably have difficulty purchasing a home or moving into a rental property. Lenders and credit providers in Australia rely on your credit report to determine whether you are a credit risk. If you have had difficulty repaying debts in the past Cheap Zdeno Chara Hat , lenders will be far more cautious and may refuse your application for credit. It is extremely important to manage your debts responsibly and tackle problems at an early stage before they get out of hand. Debt can have a way of building up if left unchecked.

Australian Debt Reduction is part of Australia''s largest Debt Relief organisation and has assisted more than 10,000 Australian''s eliminate their debt. Find out more at
We all need a cheer squad.

We all need people to say ''Good on you!''; ''Way to go!''; ''You''ve done a great job''; ''You''re really on the way.''

We need people to say ''Don''t worry, this is just a temporary setback''; or ''Of course you can do it'' when we encounter obstacles. (Hey Cheap Brandon Carlo Hat , you think nothing of putting plenty of hurdles in your character''s way-why should you get through unscathed?)

Writers tend to get depressed and give up when nobody appears to care whether they write or whether they don''t. Sure, it''s really up to us if we feel that urge to create-in one way, we shouldn''t have to rely on the support or approval of others. But let''s get real. Most of us do care. We feel so much more inspired to go on if there''s someone who believes in us; someone to urge us to take the next step.

Most of us are lucky in that we have supportive families or partners. They might groan at the idea of extra responsibilities - or seeing less of us because we''re hiding away tapping at a keyboard - but they know how much it means to us. They rejoice in our successes. They commiserate when a rejection arrives or when life gets in the way and we can''t write for weeks (or months). It makes a difference to have someone who''s in your corner.

Unfortunately Cheap Riley Nash Hat , not everyone has a ''cheer squad'' like this. What if your family couldn''t care less if you never wrote another word? What if they resent the time you spend writing, and create obstacles rather than help you overcome them?

First, you have to decide to claim that time for yourself-even if you have to leave the house to do it. Find a corner where you can write undisturbed. (More than one writer has penned a novel over long-lasting cups of coffee in a restaurant.)

But the most important thing is to get yourself that cheer squad.

Find someone who does care about you and your writing.

Someone who will buoy you up when times are bad.

Someone who will break open the champagne when you succeed.

It could be a friend... it could be the owner of the coffee lounge... it could be someone from a writer''s group you join or establish. There''s someone out there who cares.

Make it your mission to find that person.

(c) Copyright Marg McAlister
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