Time for a Smarter Budget?

Welcome to 2016 and another year where the bills just don’t slow down and they don’t get any cheaper.

The average family of four that has a home and two vehicles has approximately $25,000 worth of bills that need to be paid each year and this doesn’t include food, movies or other one-off treats or emergencies.

The average family of four that has a home and two vehicles has approximately $25,000 worth of bills that need to be paid each year and this doesn’t include food, movies or other one-off treats or emergencies.

We all made it through Christmas despite the added cost of gifts, food and maybe a holiday. Then we get home and the rates notice arrives or another unexpected bill for medical, dental or insurance hits like a train coming through a dark tunnel – right between the eyes.

The credit card may have also got a work out over the holiday period and funds might be tight with back to school expenses.

We don’t necessarily have the time to research the answers nor to find someone to solve the problem, so what’s the solution?

It is actually relatively simple. Ready for it…

Bundle up all of your regular bills for 12 months and factor in a 10 percent allowance for any variances – then cover these by a regular payment into an account especially for bills on your payday.

It really is that simple.

The biggest issue we face is a lack of time to organise many financial matters including:
• Budgeting
• General and health insurance comparisons to make sure you are getting the best deal that suits
• Financial health checks. Is my home loan rate or package the best deal for my situation? Do I have the right transaction accounts for my banking needs?

Imagine if someone could do all of this for you and review these important and costly necessities, to keep the financial habits in place that are working for you and to make changes to ensure you save money on those that are not.

For 45 years Queensland Country has been doing exactly this.

As a Member owned institution, we strive to make the lives of our Members happy and to support you  to achieve your financial goals We can also help you with a financial health check, with our loan and account suite and your insurance needs with our general insurance partner CGU Insurance and health insurance partner, Queensland Country Health Fund. In 2014, Queensland Country Health Fund won the CANSTAR Award for best value health fund in Queensland.

Best of all our services are second to none with all of the financial options that are offered by our competitors.  We are open on Saturday mornings so you can talk to or visit us when it suits you.

Queensland Country Credit Union is a fantastic alternative that many Members have happily discovered over the last 45 years and we would love to help you rediscover your financial security.