About Chauncey Garduno

Posts by Chauncey Garduno:

Understand the financial traps before consolidating your debts

Posted by Chauncey Garduno on January 16, 2019 in Perth News |

There are numerous ways to find yourself in debt. You might borrow money from credit unions or get loans to fund your children’s education, buy a house or car using loans, or go overboard in credit card spending. The amount you owe might be intimidating, but a solid debt management plan can help you budget to pay your balances down.

perth news

Debt management

Even if you only have a little bit of debt, you still need to manage your debt. You need to make sure that even if you just have a little debt, you have to keep up your payments and make sure it doesn’t get out of control. On the other hand, you have to put more effort into paying off your debt while juggling payments on the debts you’re not currently paying when you have a large amount of debt.

One simple yet effective way to manage debt is to create a spending plan for the month. Having a plan and living frugally will help you cut your expenses. You’ll notice how much you can save by cooking more and eating out less, holding off on travel, cutting out cable TV and even downsizing your home if you have the flexibility to move.

Frugal living is not easy. However, it doesn’t mean that you will not have fun. Managing debt can be boring but it doesn’t have to be boring. You just have to be creative and find ways to enjoy life but spending less.

Does your salary not matching the cost of living in your area? Or does it leave you enough money at the end of the month to pay your student, car or house loans? If your salary is not enough, it’s time to look for ways to increase your income. But if you’re unfortunate you can’t find extra income, perhaps what you need is debt consolidation.

Debt consolidation is helpful and sometimes tempting. However, it is not for everyone. Check out this article to know if you can use this strategy to manage your debt: https://www.perthnow.com.au/lifestyle/personal-finance/understand-the-financial-traps-before-consolidating-your-debts-ng-b9b5356f722ac19fdba774d795fff692

5 social media trends you can expect in 2019

Posted by Chauncey Garduno on December 27, 2018 in Perth News |

As a small business owner, you probably have already been taking advantage of social media and the benefits it brings to marketing and advertising. However, what every small business owner should know is the fact that social media marketing is constantly changing and not coping up with such changes can give terrible results. The world […]

Tougher safety laws for WA workplaces

Posted by Chauncey Garduno on October 19, 2018 in Perth News |

Workplace safety is extremely important. Every manager or business owner should know the importance of workplace safety whether you are a small business or a large corporation. You should know that it is one of your major responsibilities to your employees. Every employee in any industry desires to work in a safe and protected atmosphere. […]

Treating cancer differently

Posted by Chauncey Garduno on June 26, 2018 in Perth News |

Many of us battle against cancer. It is one of the most feared diseases amongst many Australians as it is one of the leading causes of deaths in the country. It is not just a myth or misconception that cancer is a terrible disease, however common ideas and myths we believe about how cancer starts […]

Home-based business

Posted by Chauncey Garduno on January 30, 2017 in Perth Business Fundamentals |

The benefits of starting your own business outweigh the time, effort and money invested in setting up a viable home business. For the long term, the overhead costs for starting a business in your home are very low. The government provides several tax incentives for individuals who have businesses set up in their home. Apart […]

7 Steps To Selling Your Small Business

Posted by Chauncey Garduno on September 30, 2016 in Perth Business Fundamentals |

There are a number of reasons why an entrepreneur sells his business. It is either he is no longer happy managing his organisation, or he is looking for a better life opportunity for himself. But whatever your purposes are, you should always want to make sure that you are absolutely right with your decision. Are […]

How to Hire Your First Employees

Posted by Chauncey Garduno on April 21, 2016 in Perth Business Fundamentals |

Starting a new business is probably one of the most exciting events that could ever happen to someone’s life. However, this task is also very difficult task as it involves in accomplishing various necessities for the setting up of a business. It could also bring a lot of pressure especially for those who started their […]

6 Benefits Of Using A Credit Union

Posted by Chauncey Garduno on December 22, 2015 in Perth Business Fundamentals |

Credit unions are similar to banks but are owned and operated by its members. Some businesses and private individuals prefer borrowing money from such unions instead of borrowing from banks. But just like many services and things in life, it has its own advantages and disadvantages. Some may prefer to open an account with a […]

Coolroom Repair & Purchasing Guide

Posted by Chauncey Garduno on August 18, 2015 in Commercial Refrigeration |

The food and catering industry is quite savvy than the past few years. Over the years, there are numerous equipment and supplies that have emerged due to technology and the growing demands of the industry. Commercial refrigerators truly have become an essential tool to individuals not only to businesses but as well as to homeowners […]

Office Cleaning & Storage in Perth: Why do you need to clean your carpets?

Posted by Chauncey Garduno on May 20, 2015 in Commercial Cleaning |

Carpets are important in homes especially in offices; they are often associated with luxury as they add aesthetic appeal and grace to an office. With a touch of artistic quality and creative style, carpets can make your office a better looking place. Moreover, they can also help reduce noise! Carpets are great addition to our […]