Did Christmas and the New Year put paid to all the fitness work you did during the spring and the early part of the summer? If you fell off the wagon in dramatic style then fear not, for you weren’t alone.
At the same time, just because autumn is here and it’s getting darker, colder, and raining more often, that doesn’t mean you need to kick back and forget what fitness feels like until spring is here again. How can you keep your exercise regime moving throughout the autumn to ensure that you’re beach ready in a few months when things brighten up again?
Many people who don’t stick to an exercise plan fall off the wagon for that precise reason. It’s a plan, and sometimes sticking to a plan and to a routine is boring.
During the autumn months, if you plan to go for a run in the park every morning, but end up cancelling when it rains or is cold, you’ll quickly fall out of any planned routine.
This means you need to change it up.
Instead of having a plan, when you wake up and it’s warm and the sun is out, take the opportunity to take your exercise and go for your morning run then. If you know you need to exercise but don’t enjoy running, walk to the next bus stop in the mornings and evenings. Another great idea is to take a walk during your lunch break at work. Not only does it avoid you doing email while you eat and gets you moving, if you work long hours lunchtime might be the only time during autumn and winter that you see daylight, so take advantage and boost your mental as well as your physical health.
If you haven’t been to the gym or done anything especially active for a couple of months, it’s really important that you don’t over compensate and start doing twice the volume of activity you were before. The key to getting in shape is to ensure you push yourself without overtraining. If you’d run five kilometres before, then start running five kilometres now, or maybe even less.
You’ll soon be back into the swing of things and feeling fitter and looking better. If you go for it too hard you’ll end up injuring yourself and end up not being able to do anything for another few months.
Our biggest enemy can often be the scales, and a lack of weight loss can often see us pushing harder and getting injured, similar to what we looked at above.
To get around this, you simply need to stay off the scales.
Instead, think about how you feel, and how you look, and go from there. Sure, once you’re feeling and looking great you might want to adapt your diet or cut out certain foods in order to lose weight, but for now you should avoid being a slave to the scales.
Having fallen out of the exercise habit over Christmas and New Year, autumn and winter can be the perfect storm for getting even more out of shape. Look around the office. You’re probably not the only one feeling like you do. Ask your colleagues what they’re doing fitness-wise this autumn. Suggest going to the gym together, or motivating each other on those sunny mornings when you could walk to work instead of catching the bus.
You could even have a friendly bet on who will give up first, or who can jog home from work the quickest at the end of the week – doing it on Friday is a great idea as it stops you going for the end of week work drinks that inevitably turn into a big night out.
Summer is gone, the days are shorter and colder, so you have the perfect excuse not to exercise during the autumn.
Forget all that.
Instead, put these tips into practice to ensure you feel great all throughout the autumn and winter and can head straight to the beach in the spring!
Disclaimer: This article contains general comments and recommendations only. This article has been prepared without taking account of your objectives, financial situation or needs. Before taking any action you should consider the appropriateness of the comments made in the article, having regard to your objectives, financial situation and needs. If this article relates to the acquisition, or possible acquisition, of a particular credit product you should obtain and consider the relevant disclosure documents before applying for the product.
Your credit history can be a hugely influential part of your life. It will be checked on numerous occasions throughout our lives, and not just when we apply for a mortgage, a new credit card, or want to take out a mobile phone contract. Your credit history holds a large volume of information about your financial behavior, and helps paint a picture to lenders as to whether you are creditworthy.
Your credit history, and your credit score, can not only decide whether you are accepted for credit or not, but can also dictate how much credit you are able to access and whether you are able to access the best interest rates and other offers available.
When you check your credit history, you will access all the information that particular credit bureau holds against your name.
What benefits can you expect to earn when you check your credit history?
Now you know what you will find, and how you can benefit, when you check your credit history, it is time to look at how you can do it.
By law, you are able to request to see your credit report from a credit bureau free if:
You can request access to your credit report from Australia’s three national credit bureaus:
You can also access your credit report free from Get Credit Score, which is powered by and uses data from Equifax.
While all three of Australia’s national credit bureaus legally have to allow you to access your credit file under the conditions noted earlier, both Equifax and Dun & Bradstreet offer premium services that include identity protection, credit alerts, and access to advice and tips for improving your credit standing.
We have shared some further information on what each offers, including costs, below.
Equifax is Australia’s leading credit bureau, and is the one used here at MacCredit when assessing medical loan applications. Equifax’s premium credit checking and account services range from $79.95 – $119.95 per year. The more expensive options provide more frequent updates to your credit score and report, as well as insuring you against the risk of being a victim of identity fraud up to $15,000.
View Equifax’s packages here.
Dun & Bradstreet have operated in Australia since 1887, and today offer a range of personal credit services, with credit reports and accounts from a $15 one-off fee up to a $60 a year subscription for anyone looking for advanced protection and credit alerts.
View Dun & Bradsteet’s packages here.
Take the time to check your credit history now and ensure that all the information held against your name is correct. Even if you are not planning to apply for credit in the near future, it is worth ensuring all the information held is accurate, as this could save you significant time and effort should you ever need to acquire credit.
Credit Reports, How To, Uncategorized
If you are considering undergoing a medical procedure or need to pay for upcoming medical treatment, a personal loan is a great solution that may help you cover some or all of the cost.
In general, different types of personal loans may have different features or interest rates depending on the lender and the purpose of your loan. With MacCredit, our medical loans are only available to individuals who can provide evidence of an upcoming procedure or treatment, such as a quote from a clinic.
Variables that may apply to personal loans include:
With MacCredit, you can borrow up to $70,000 to cover the cost of your medical or cosmetic treatment.
Check Your Credit Report First
You should check your credit score and that your credit report is accurate before applying for a personal loan, or indeed for any type of credit or finance. Doing this will enable you to get an idea of how MacCredit or any other lender views you and is likely to assess an application for credit.
What are you looking to achieve by checking your credit report first?
Checking your credit report before making an application is crucial. All credit enquiries made over the last five years are logged on your credit file. A large number of credit enquiries being made over a short period of time can be a sign of financial mismanagement or desperation for credit, can reduce your credit score and discourage lenders from accepting an application. If you check your credit score first, you need only apply for credit when you know you will be accepted.
With your credit report checked and verified as being accurate, and you’re happy that you’re going to be accepted when you make an application, you can start researching loan providers that meet your needs. A useful starting point is to consider the type of loan you are looking for or whether you have a particular reason for needing a loan. For example, if you need a loan to cover the cost of a medical procedure, we’re specialists at providing these here at MacCredit, but if you need a loan to buy a car, you will need to look elsewhere.
When researching lenders, if they have eligibility criteria listed on their website, ensure you qualify to apply in respect of these. Applying without checking you’re eligible can easily lead to you getting a credit enquiry on your file unnecessarily.
Use any tools on lenders websites, including their blogs and resources, loan calculators, and anything else made available to help you make an educated decision about your personal loan.
If you still have questions, pick up the phone. If you’re considering a medical loan from MacCredit you can call us on 1300 884 355 to ask any questions or begin your application.
Once you have checked your credit file and have researched and identified a suitable lender, it is time to apply for your loan. If you are declined even when you thought your credit score would be good enough, we would discourage you from doing so again until your score has improved. While different lenders will have different benchmarks and credit scores at which they will accept you, remember that repeat applications can negatively affect your credit score, so consider whether it is worth taking a chance that another lender will accept you.
If you’re considering a medical loan from MacCredit, call us today on 1300 884 355 to ask any questions or to begin your application.
Credit Reports, How To
As individuals we are always looking for ways to save money. Even when considering how and the reasons for borrowing, there are opportunities to save. Here are some great tips for saving money when borrowing; keep them in mind the next time you’re planning to take out a loan or make a high value purchase.
This might sound like an obvious tip, but it is amazing how many people simply accept the first deal that they find when looking for a payment plan or loan. The next time you are looking for a loan, credit card, or another finance product, help yourself by drawing up a list of what you’re looking for.
This might include a specific type of loan or a certain level of repayments. By listing your requirements first and then eliminating any lenders that can’t meet your needs, you ‘ll quickly find yourself looking at the best deals for your circumstances, and you’ll avoid simply taking out the first product you find.
If you focus on affordability, you are likely to find yourself saving money when borrowing. When we talk about affordability, we mean the repayments you can afford to make comfortably within your household budget and current circumstances. Let’s look at these two scenarios for someone looking for a personal loan:
Person A goes to a finance website, sees the example terms and repayments advertised, can’t afford them, so leaves and doesn’t apply for a loan. This pattern is repeated throughout the shopping around process.
Person B works out what is affordable for them, then starts shopping around. Because they already know what’s affordable, they can quickly dismiss the lenders that don’t offer a flexible finance option, and can quickly look elsewhere.
By looking for a loan that is affordable, rather than simply taking out the first loan you find, not only could you save a significant amount of money but you also reduce the risk of missing payments and damaging your credit file as a consequence of borrowing more than you could really afford.
If you are planning a holiday, or are considering undergoing cosmetic surgery to improve your appearance, you might be able to save money by opting for finance rather than using your own savings. When you are looking to fund a lifestyle purchase, you can take the time to shop around, understand
what is affordable, and then find a specific loan or payment plan that fits your needs. If you spend your savings on your lifestyle purchase, then find yourself with an emergency expense, you may find yourself taking out the first loan that comes available, or even using dangerous short term finance.
By holding onto your own capital to cover emergency costs when they arise, you can instead use a payment plan for your lifestyle purchases, and repay loans at an affordable rate over a time suited to you and your financial circumstances.
Here at MacCredit, we are specialists in helping our customers find the best and most affordable loans if they are looking to secure finance for medical treatments or procedures. We are committed to ensuring you find the best payment plan that is most affordable under your circumstances.
By coming to us, you will be put into contact with the lenders that provide payment plans closely suited to your needs, which can help you save a significant sum of money in the long term. It is possible to save yourself significant sums money when borrowing if you follow these tips. If you are looking for a payment plan to cover the cost of a medical procedure, call us now on 1300 884 355.
How To, Payment Options