Dear Sir/Madam,

Welcome once more to your monthly newsletter.

The upcoming festive season can be one of the toughest times of the year in terms of the family budget so now is the time to use your credit card wisely.  A large part of your credit card rating depends on the amount of debt you have.  Keeping your balances low helps you maintain a good credit score, not to mention being far easier to manage.  Avoid the temptation of getting a cash advance on your credit card as interest on these is usually charged straight away as opposed to having a waiting period.  Check out our article '6 Major Credit Card Mistakes' - you may find these tips useful!!!

We are also pleased to advise that the 'Kids of Macarthur Health Foundation Annual Charity Golf Day' (of which Emohruo Financial Services and The AMP Foundation were the major sponsors for the day) was a huge success!!!  See our Bulletin Board for more information.

We hope you enjoy this months articles, and dont forget to check the latest in 'Olivers Insights'.

Til next month.......


Wayne Stevens

Managing Director

Emohruo Financial Services P/L


Emohruo Camden Team

Emohruo Camden Team

Emohruo Financial Services Pty. Limited is an Authorised Representative of AMP Financial Planning P/L
ABN 89 051 208 327
AFS Licence No. 232706

6 Major Credit Card Mistakes

Read time: 3 minutes

Are you having trouble getting your credit card balances under control? If so, dont beat yourself up over it - you are in the same boat as thousands of other consumers. Once you choose to change you spending habits, however, it is possible to make your debt manageable..

Express Interest Read Full Article

Recently Unemployed?

Read time: 1 minutes

Every year, many Australians face the bleak prospects brought on by unemployment. And while losing a job is never fun or convenient, there can be a silver financial lining for those who know how to capitalise on their time spent away from the workplace...

Express Interest Read Full Article

What are the benefits of making your own super contributions?

Read time: 1 minutes

If you make personal super contributions (generally the after tax contributions you make to a super fund) you may be eligible for the super co-contribution.

Express Interest Read Full Article

What to do if you cant follow a budget

Read time: 2 minutes

A lot of people write out a budget, but just like a diet, not many stick to it. ...

Express Interest Read Full Article

Protecting your assets - now and in the future

Read time: 1 minutes

The last thing you may be thinking of when you move into your dream home is how the mortgage will be paid if anything should happen to you...

Express Interest Read Full Article

Any Questions?

Email Emohruo Financial Services now.
or call us on 02 8205 1228 between 9am - 5pm from Mondays to Friday .

Contact Details Camden office: 4B/20 Argyle Street (PO Box 1035), Camden NSW 2570 | P: 02 8205 1228 | F: 02 4655 9233
Emohruo Financial Services | ABN 95 105 755 897
© 2008 Emohruo Financial Services. All rights reserved.