Victoria Shakeshaft
speaker
495 appearances
1 recordings
1 series
first heard Aug 2022
last heard Aug 2022
Victoria Shakeshaft’s voice in public audio — every appearance, attributed to the second.
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Appearances
I sold my food processor the other day because I don't cook.
So people get so creative once they
can see what needs to happen.
And I think when everything's up in the air, just in your mind, it takes up so much space and just getting it down on paper and having a little bit of a look at it, it makes a huge difference.
Don't underestimate how much of a difference it makes.
Yeah.
So if you took that table to a financial counsellor, would they then come up with a detailed plan of what order you should pay these things off and whether you can get specific hardship programs in banks?
definitely for financial counselors we're really looking at okay are any of these secured because generally in terms of making the payments that's probably the priority if you want to keep the item that is security for that debt it's also us understanding you know who's got different hardship programs it shouldn't be the case but some banks are better than others
Payday lenders are often quite difficult to get long-term hardship with.
And buy now, pay later, they're at the moment really good with their hardship programs.
So we just kind of have that knowledge that comes from doing this over and over again every day that most people don't have.
And even if you came in and you said, oh, this is what I was thinking for the priorities, the financial counsellor would say, awesome, this is the only other things that you need to consider.
Yeah.
Yeah.
And it's good having that sounding board because there might be something you haven't considered or an even a better option that does reduce your payments over time.
A hundred percent.
I was wondering if you could talk a little bit about buy now, pay later, because it does on the outset, it does seem like quite small things because buy now, pay later, it used to start with a hundred dollar or $200 item and it was quite manageable for people.
But I know a recent financial counseling Australia report said that most clients you deal with are
having some issues with buy now, pay later.
Is there any strategies for sort of getting out of that before it starts getting into other forms of debt, maybe dealing with it?
Showing 141–160 of 495 · page 8 of 25
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