OTG Capital - Blog #debtOTG Capital - Blog #debthttps://www.otgcapital.com.au/blogs/tag/debtFri, 01 May 2026 09:26:17 +1000http://zoho.com/sites/<![CDATA[Money Counselling - Dollars & Making Sense 10 Feb 2026 - Summer Series #9]]>https://www.otgcapital.com.au/blogs/post/money-counselling-dollars-making-sense-10-feb-2026-summer-series-9Its back to basics time. We're joined this week with Queen Chilenga from Money Fitness Hub based in Kalgoorlie, WA. Queen specialises in social work and supporting people in financial stress and those in need of the basics.]]>
choosing an adviser
This show is a repeat from earlier this year, we hope you enjoy it!

Its back to basics time.  We're joined this week with Queen Chilenga from Money Fitness Hub based in Kalgoorlie, WA.  Queen specialises in social work and supporting people in financial stress and those in need of the basics.  Its not always about millions, sometimes its simply about making ends meet, and many in the community struggle with the basics.  We work through some of the challenges of delivering support services in this space, and the basics of good money management.  Queen is doing some excellent work and her website https://moneyfitnesshub.com.au/ is a great example of where people can make a start to financial health and less stress.

@FMRNB

@Radio Northern Beaches                                                                                              

]]>Tue, 10 Feb 2026 09:00:00 +1100<![CDATA[Money Counselling - Dollars & Making Sense 22 Apr 2025]]>https://www.otgcapital.com.au/blogs/post/money-counselling-dollars-making-sense-22-apr-2025Its back to basics time. We're joined this week with Queen Chilenga from Money Fitness Hub based in Kalgoorlie, WA. Queen specialises in social work and supporting people in financial stress and those in need of the basics.]]>
choosing an adviser
Its back to basics time.  We're joined this week with Queen Chilenga from Money Fitness Hub based in Kalgoorlie, WA.  Queen specialises in social work and supporting people in financial stress and those in need of the basics.  Its not always about millions, sometimes its simply about making ends meet, and many in the community struggle with the basics.  We work through some of the challenges of delivering support services in this space, and the basics of good money management.  Queen is doing some excellent work and her website https://moneyfitnesshub.com.au/ is a great example of where people can make a start to financial health and less stress.

@FMRNB

@Radio Northern Beaches                                                                                              

]]>Tue, 22 Apr 2025 09:00:00 +1000<![CDATA[Good Debt vs Bad Debt - Dollars & Making Sense 2 Apr 2024]]>https://www.otgcapital.com.au/blogs/post/good-debt-vs-bad-debt-dollars-making-sense-2-apr-2024What's the difference, debt is debt right? Maybe not so. Are we stealing from ouselves or are we saving for ourselves. Great notions to ponder when you are looking at that purchase and deciding whether to wait and save, or buy now pay later?]]>
choosing an adviser
What's the difference, debt is debt right?  Maybe not so.  This week, Victor Lagos from Lagos Financial, a registered mortgage broker and holder of an Australian Credit License joins us to discuss what is good debt and what is bad debt.  Are we stealing from ouselves or are we saving for ourselves.  Great notions to ponder when you are looking at that purchase and deciding whether to wait and save, or buy now pay later?  Is borrowing against your future always the best option.  And what does it take to step up and move into your first home or apartment.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 02 Apr 2024 16:19:42 +1100<![CDATA[Budgeting & Financial Stress - Dollars & Making Sense 23 Jan 2024 Summer Series #6]]>https://www.otgcapital.com.au/blogs/post/budgeting-financial-stress-dollars-making-sense-23-jan-2024-summer-series-6Given SMSFs increasing popularity, a self managed retirement option is attractive. There is much to be gained from having your own SMSF, so join us to better understand whether DIY super is for you or not.]]>
budgeting
It's back to basics this week as we chat to Justin Bott from Services Australia about how to budget and the free resources available from the Australian federal government that are there to assist you in financial education, understanding industry jargon, and getting started if you don't have anything to begin with.  We also cover a great free resource called the Financial Information Service that is delivered online as well as in person.  Check out the links to the MoneySmart website and the Centrelink information links.  Your taxpayer money hard at work helping everyone that needs it.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 23 Jan 2024 09:00:00 +1100<![CDATA[Budgeting & Financial Stress - Dollars & Making Sense 17 Oct 2023]]>https://www.otgcapital.com.au/blogs/post/budgeting-financial-stress-dollars-making-sense-17-oct-2023Given SMSFs increasing popularity, a self managed retirement option is attractive. There is much to be gained from having your own SMSF, so join us to better understand whether DIY super is for you or not.]]>
budgeting
It's back to basics this week as we chat to Justin Bott from Services Australia about how to budget and the free resources available from the Australian federal government that are there to assist you in financial education, understanding industry jargon, and getting started if you don't have anything to begin with.  We also cover a great free resource called the Financial Information Service that is delivered online as well as in person.  Check out the links to the MoneySmart website and the Centrelink information links.  Your taxpayer money hard at work helping everyone that needs it.

@FMRNB

@Radio Northern Beaches                                                                                               

]]>Tue, 17 Oct 2023 09:00:00 +1100<![CDATA[Debt Negativity - Dollars & Making Sense 18 Oct 2022]]>https://www.otgcapital.com.au/blogs/post/debt-negativity-dollars-making-sense-18-oct-2022how Debt can bring about so much Negativity in your life it can at times be debilitating. We've covered this subject a lot because it hurts many people - a lot!.]]>
BNPL devil or angel?

Following on from our BNPL revisit, Philippa Hunt from Wise Girls Money tackles the thorny issues surrounding how Debt can bring about so much Negativity in your life it can at times be debilitating. We've covered this subject a lot because it hurts many people - a lot!.

https://ethics.org.au/ethics-explainer-negativity-bias/
Dollars & Making Sense a weekly program about money, finance and investing.

@RNB

@Radio Northern Beaches


]]>Tue, 18 Oct 2022 08:57:55 +1100<![CDATA[BNPL angel or devil? - Dollars & Making Sense - 14 June 2022]]>https://www.otgcapital.com.au/blogs/post/bnplis buy now pay later a good thing or yet another debt trap?]]>
Buy now, pay later, not all that it is cracked up to be

Covid / flu has struck Dollars & Making Sense, all my usual contributors are either away or sick with Covid/flu, so I've dived back into our archive with one of our favourite recordings on BNPL - buy now, pay later.

Devil or angel?  Phillipa Hunt and I explore the pros and cons of this incredibly popular way to purchase goods and services.

Or this is yet another debt trap?  Have a listen and take the opportunity to listen to the experts on Dollars & Making Sense.


@RNB

@Radio Northern Beaches

]]>Mon, 13 Jun 2022 11:53:57 +1000<![CDATA[BNPL angel or devil? - Dollars & Making Sense - 3 May 2022]]>https://www.otgcapital.com.au/blogs/post/bnpl-angel-or-devil-dollars-making-sense-2-may-2022is buy now pay later a good thing or yet another debt trap?]]>
Buy now, pay later, not all that it is cracked up to be

We're back, refreshed and fired up about BNPL - buy now, pay later.

Devil or angel?  Phillipa Hunt and I explore the pros and cons of this incredibly popular way to purchase goods and services.

Or this is yet another debt trap?  Have a listen and take the opportunity to listen to the experts on Dollars & Making Sense.


@RNB

@Radio Northern Beaches

]]>Mon, 02 May 2022 22:13:28 +1000<![CDATA[Summer Series #4 - Dollars & Making Sense - 11 Jan 2022]]>https://www.otgcapital.com.au/blogs/post/summer-series-4-dollars-making-sense-11-jan-2022While we're away on our break, we're going back over our archive and replaying some of our more popular broadcasts.  This week, we revisit Ray, K ]]>
spotting red flags

While we're away on our break, we're going back over our archive and replaying some of our more popular broadcasts.  This week, we revisit Ray, Karen & Lisa discussing credit entitlement and then Ray talking with Phillipa Hunt from Wise Girls Money on Women are from Venus and Men are from Mars.  This broadcast can be found in our blog archive if you wish to listen to the original podcasts or by clicking this link.


Our summer series will continue until 8 Feb 22.

@RNB

@Radio Northern Beaches

]]>Tue, 11 Jan 2022 09:00:00 +1100<![CDATA[Summer Series #3 - Dollars & Making Sense - 4 Jan 2022]]>https://www.otgcapital.com.au/blogs/post/summer-series-3-dollars-making-sense-4-jan-2022While we're away on our break, we're going back over our archive and replaying some of our more popular broadcasts.  This week, we revisit Ray, K ]]>
spotting red flags

While we're away on our break, we're going back over our archive and replaying some of our more popular broadcasts.  This week, we revisit Ray, Karen & Lisa discussing rentvesting and credit entitlement.  This broadcast can be found in our blog archive if you wish to listen to the original podcasts or by clicking this link.


Our summer series will continue until 8 Feb 22.

@RNB

@Radio Northern Beaches

]]>Tue, 04 Jan 2022 09:00:00 +1100