Loans from $2100 and upwards require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.

The Interest Rate for Secured Medium Loans is 48%. The Typical Comparison Rate is 67.41% p.a. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.

The Interest Rate for Secured Large Amount Loans is 48%. Maximum Comparison Rate is 48% p.a. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.

Financial Health & Physical Well-being

February 23, 2018

Last time we delved into mental anxiety and how to pinpoint elements of your life that are causing unnecessary stress. Now, let’s look at how to improve your overall health and wellbeing. Improving your health and wellbeing is like painting a portrait; there are many different colours and textures that contribute to your overall happiness. Your life has many facets; work, leisure, social life, diet and the list could go on. To improve your health and wellbeing all these parts must align together to create a masterpiece (that’s you!). Working towards a healthier, happy you will automatically improve the state of your work and social life.

Let’s look at examine the different facets of life where health and wellbeing will directly impact your happiness.

Health and wellbeing: Work

One-quarter of our lives is spent at work. They say if you love something then you never work a day in your life. However, even if you love your job, it can still be damaging to your health and wellbeing. Sometimes work can take over your life, and an unhealthy work environment will affect your attitude as well as seep into other areas of your life. Your workspace can reflect a zen palace, where you feel healthy and balanced. Check out these useful tips for a creating a zen zone at work:

  1. Dress up your desk: Decorate your office desk with treasures from home. Cultivate a space that is welcoming and calming. Utilising houseplants for your office space is an easy way to create a zen space. Bring homely artefacts from home to lift your morale. Be aware, however, clutter, as over-cluttering can lead an unsettled mindset.
  2. And there was light!: Open your office space. Find ways to let in natural light and brighten the moral of the workplace. Utilising natural light has a plethora of benefits, including boosting happiness, health and creating a calming space. Natural light also reduces the strain on your eyes, compared to artificial light. Research indicates that natural light increases productivity by 25% so get ready to see your productivity skyrocket.
  3. Add colour: Nurturing a space of colour and creativity increases your health and wellbeing in your workspace. When it comes to decorating your office space, select your colour carefully as they each have different functions. Yellow is known to stimulate your creative juice, green reduces stress and blue nurtures focus and productivity. Or hey, just choose a colour that you love!
  4. Go walking: Exercise promotes a healthy mind and body, so why not incorporate it into your workday. On your lunch break, go for a walk whilst you eat. Or if you’re feeling the strain and struggling to complete a task, head out for some fresh air and exercise.
  5. Take your holidays: Experts recommend a two-week holiday every 6 months, at the minimum. Working can be fulfilling and inspiring, however, it’s important to recognise when you need time off to recharge your health and wellbeing. Take time away from the pressure of the workplace to focus on you!

Health and wellbeing: Leisure

The key to improving health and wellbeing is confidence and coping with stress. Leisure activities are the perfect escape from your stress. Whether it’s pursuing your passions or simply letting your hair down, finding your confidence will improve your health and wellbeing. It’s time to take risks! Pursue something you never thought you could do. Climb a mountain, or learn pottery. Here is a list of unique hobbies to try:

Most importantly, in your ‘me time’, the key is to just have fun! When you’re not at work, you want to laugh and invest in pursuits that bring you joy. So, get hunting for your next fulfilling hobby.

Health and wellbeing: Social

Maintaining and cultivating good social relationships can dramatically improve your health and wellbeing. Socialising with your friends doesn’t necessarily only include going out for dinner or drinks. Here are some fun and unique activities to help your bond with your squad:

  1. Exercise: Come together and organise an exercising challenge everyone wants to be a part of. F45 hold challenges that you can take on as a group. Or commit to a yoga or Pilates class together. If you all love playing a sport, join a local social team. For most people, the motivation for exercise is typically at a minimum, however, with friends you can power through together!
  2. Mini-golf: Head down your nearest putting ground and try your luck on the course. Novelty mini-golf courses are packed with fun obstacles and interesting challenges. A lack of skills is expected, so just have fun and bond with your friends.
  3. Water balloon fight: Water balloon fights are the perfect cure for mundane activities and the scorching heat. It may not be the best activity for drought time, however, whilst the rain is coming, take advantage of the sunny days.
  4. Classic movie marathon: Relive your misspent youth by shaking up the margaritas and binge watch some movies. Choose a theme for your movie night, and run wild!
  5. Board game night: Switch up movies for board games with a board game night. Unite all your fellow board gamers for a Stranger Things-esc board game night extravaganza. Bond over a competitive match of wits and luck.
  6. Night bike ride: Gather your friends and venture into the dark on your bikes. Witness the beauty of the night in your local park. Make sure your bikes are equipped with the appropriate safety measures.
  7. Learn a new skill together: Learning a new skill can boost your self-confidence and be extremely rewarding (at the end). Find a skill you and your friends would all love to learn and split the cost. Learning and growing together will help cultivate a strong bond in your relationships.
  8. Volunteer: Living in an individualistic culture can sometimes distract us from others in need. Pick a volunteer program you can all participate in and do some good together. Sharing experiences and memories is important to maintaining strong relationships. Check out some more info on volunteering in Australia.
  9. Stargazing: Immersing yourself in nature can be the cure for overbearing stress. Make a gorgeous picnic and head to a clearing and enjoy a night under the stars together.

Spending time cultivating and nurturing relationships is important to improving your health and wellbeing. Be creative and enjoy special time with the people you love most in life.

Health and wellbeing: Food

Your diet can have dramatic effects on your physical and mental health and wellbeing. It’s important to monitor what and how you eat. Despite what you may be thinking, maintaining a healthy diet isn’t about fancy diets or expensive superfoods. It’s about balance and healthy choices. Monitoring your sugars, fats and carbs, without denying yourself the pleasure of the occasional snack. Here are some tips for monitoring your diet:

  1. Preparing your own food: It’s time to stop with frozen meals (Don’t worry, we are all guilty of it). When it comes to healthy eating, it starts with eating proper, nutritious food, without all the nasty stuff. To save time, prepare some meals on the weekend for the week ahead.
  2. Eat what you love: Indulge in what you love if you don’t love the food you’re eating it won’t help your wellbeing. When it comes to monitoring your diet, search for food you know you love, and maybe experiment with foods you have a love/hate relationship with. Find out how you like to cook and what to cook, and relieve the stress from meal time.
  3. Keep a food journal: Maintaining an up to date food journal is a perfect way to monitor your diet and see how you’re progressing. It’s important to remember it’s okay to stumble and indulge in some naughty food. The point of healthy eating is to improve your wellbeing, not to stimulate anxiety and stress.
  4. Consume a variety of foods: Eat a variety of foods to arm your body with the right disease fighting machines it needs to survive flu season.
  5. Watch out for portion sizes: One easy way to reduce fat is simply keeping a lookout for food portions. In mainstream restaurants portion sizes have ballooned, increasing the amount of food we eat without realising. So, if you have an overly large meal for lunch, keep that in mind when preparing dinner.
  6. More whole grains: Your grain diet should be half whole grains. Whole grains include whole wheat, barley and oats. You may be thinking ‘what’s all the fuss with whole grains’. Well, here’s the lowdown; they retain all the nutrients and fibre from the grain, it’s that simple. So, load up on whole grains for a more balanced diet.
  7. Reduce animal fat intake: Saturated fats from red and processed meat boosts LDL (bad) cholesterol. Opt for lean or skinless poultry for a more well-balanced diet.
  8. Food over supplements: Taking supplements will not substitute for maintaining a healthy diet. Don’t replace healthy eating habits with vitamins and minerals supplements.

Health and wellbeing: Finance

Improving your health and wellbeing is about reducing the stress in your life and having a calm mindset. Financial anxiety is a massive contributor to unhealthy thinking and can affect your physical health. Here are some healthy tips on how to keep your finances in check:

  1. Budget: Create a plan and stick to it. Generate a budget from your income that is reasonable. Layout your current list of expenses and see what is draining your pocket.
  2. Goals: Maintain sell-appointed milestones to create a rewarding financial mindset. Are you planning to own a home in the next 5 years, or retire early? Whatever goal you choose, layout a plan and rework your budget and finance management to achieve your goal.
  3. Think loans over credit card debt: When emergencies strike, consider taking out a personal loan over credit card debt. Personal loans typically have lower interest rates, compared to credit cards. In the long run, that broken washing machine or car breakdown doesn’t have to cost you all your hard-earned finances.
  4. Savings: Automatically saving 10% of your income will generate a nice little savings fund for emergencies or a holiday adventure.
  5. Pay yourself first: To give yourself a nice confidence boost, don’t forget to pay yourself first once you receive your paycheck. Treat yourself to an item off your wishlist!

Your health and wellbeing are the staple foundations for a positive mindset and fulfilling life. There are many facets of your life where you can improve your overall wellness. Our health is a like a spider web, we need to strengthen every thread to improve the quality of the web. Looking after yourself and cultivating an overall positive attitude will improve your health and wellbeing. Stay tuned for more discussions on personal wellness!

Check out our discussion on eye-opening tips on how to manage anxiety and stress.