{"id":13832,"date":"2023-01-12T11:17:47","date_gmt":"2023-01-12T00:17:47","guid":{"rendered":"https:\/\/bethere.p3.clientcommunity.com.au\/staging\/?page_id=13832"},"modified":"2025-05-22T09:24:46","modified_gmt":"2025-05-21T23:24:46","slug":"debt-management","status":"publish","type":"page","link":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/services\/debt-management\/","title":{"rendered":"Debt Management"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"13832\" class=\"elementor elementor-13832\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-40c3981c elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"40c3981c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5cf2ec56\" data-id=\"5cf2ec56\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b023670 elementor-widget-divider--separator-type-pattern elementor-widget-divider--no-spacing elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1b023670\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\" style=\"--divider-pattern-url: url(&quot;data:image\/svg+xml,%3Csvg xmlns=&#039;http:\/\/www.w3.org\/2000\/svg&#039; preserveAspectRatio=&#039;none&#039; overflow=&#039;visible&#039; height=&#039;100%&#039; viewBox=&#039;0 0 24 24&#039; fill=&#039;black&#039; stroke=&#039;none&#039;%3E%3Cpath d=&#039;M24,8v12H0V8H24z M24,4v1H0V4H24z&#039;\/%3E%3C\/svg%3E&quot;);\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68da2b45 elementor-widget elementor-widget-heading\" data-id=\"68da2b45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Debt Management<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-48b811b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"48b811b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7e24ba0\" data-id=\"7e24ba0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7a9fc99 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7a9fc99\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-f5ad2a0\" data-id=\"f5ad2a0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c18bd5e elementor-widget elementor-widget-text-editor\" data-id=\"c18bd5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Borrowing money is easy these days and that\u2019s why it\u2019s even easier to get into debt.\u00a0<\/p><p>But, not all debt is bad debt.<\/p><p>Having a debt management plan in place and understanding the difference between good and bad debt could help you make better financial decisions.<\/p><h3>Good debt<\/h3><p>\u201cGood\u201d debt is when you borrow to invest to purchase wealth-building assets &#8211; meaning assets that are likely to increase in value over time and\/or give you an income. Good debt may also be tax deductible.<\/p><p>An example of good debt is borrowing to purchase shares or an investment property.<\/p><h3>Bad debt<\/h3><p>\u201cBad\u201d debt is a loan used to purchase non-income producing assets and where the interest on the loan is not tax deductible.<\/p><p>Using a credit card or a personal loan to fund a holiday or to buy luxury items are examples of taking on bad debt.<\/p><h3>How we can help<\/h3><p>Knowing how to manage your debt can help you take control of your financial future and manage your cashflow.<\/p><p>We can recommend a debt management plan to help you pay down your bad debt whilst using good debt to build long term wealth.<\/p><h3>Should you borrow to invest?<\/h3><p>Borrowing to invest (also called gearing) may help you accelerate the process of wealth creation by allowing you to make a larger investment than would otherwise be possible.<br \/>This greater exposure gives you the potential to magnify your returns, but can also magnify your losses.<\/p><p>To discuss your Debt Management needs please contact one of our qualified Financial Advisers at Apprise on 1234 567 891.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-99e2e9c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"99e2e9c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-48d9cd66\" data-id=\"48d9cd66\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2a5943a8 elementor-widget elementor-widget-heading\" data-id=\"2a5943a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">We look forward to working with you to achieve your goals.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-17a2daad\" data-id=\"17a2daad\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-65c8f4aa elementor-align-right elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"65c8f4aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-long-arrow-alt-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Please get in touch<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Borrowing money is easy these days and that\u2019s why it\u2019s even easier to get into debt.\u00a0 But, not all debt is bad debt. Having a debt management plan in place and understanding the difference between good and bad debt could help you make better financial decisions. Good debt \u201cGood\u201d debt is when you borrow to &#8230; <a title=\"Debt Management\" class=\"read-more\" href=\"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/services\/debt-management\/\" aria-label=\"Read more about Debt Management\">Read more<\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"parent":5494,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-13832","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Debt Management - BE THERE<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Debt Management - BE THERE\" \/>\n<meta property=\"og:description\" content=\"Borrowing money is easy these days and that\u2019s why it\u2019s even easier to get into debt.\u00a0 But, not all debt is bad debt. Having a debt management plan in place and understanding the difference between good and bad debt could help you make better financial decisions. Good debt \u201cGood\u201d debt is when you borrow to ... Read more\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/services\/debt-management\/\" \/>\n<meta property=\"og:site_name\" content=\"BE THERE\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-21T23:24:46+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/bethere.p4.clientcommunity.com.au\\\/staging\\\/services\\\/debt-management\\\/\",\"url\":\"https:\\\/\\\/bethere.p4.clientcommunity.com.au\\\/staging\\\/services\\\/debt-management\\\/\",\"name\":\"Debt Management - BE THERE\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/bethere.p4.clientcommunity.com.au\\\/staging\\\/#website\"},\"datePublished\":\"2023-01-12T00:17:47+00:00\",\"dateModified\":\"2025-05-21T23:24:46+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/bethere.p4.clientcommunity.com.au\\\/staging\\\/services\\\/debt-management\\\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/bethere.p4.clientcommunity.com.au\\\/staging\\\/services\\\/debt-management\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/bethere.p4.clientcommunity.com.au\\\/staging\\\/services\\\/debt-management\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/bethere.p4.clientcommunity.com.au\\\/staging\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Services\",\"item\":\"https:\\\/\\\/bethere.p4.clientcommunity.com.au\\\/staging\\\/services\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Debt Management\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/bethere.p4.clientcommunity.com.au\\\/staging\\\/#website\",\"url\":\"https:\\\/\\\/bethere.p4.clientcommunity.com.au\\\/staging\\\/\",\"name\":\"BE THERE\",\"description\":\"Financial Wellbeing\",\"publisher\":{\"@id\":\"https:\\\/\\\/bethere.p4.clientcommunity.com.au\\\/staging\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/bethere.p4.clientcommunity.com.au\\\/staging\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/bethere.p4.clientcommunity.com.au\\\/staging\\\/#organization\",\"name\":\"BE THERE\",\"url\":\"https:\\\/\\\/bethere.p4.clientcommunity.com.au\\\/staging\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/bethere.p4.clientcommunity.com.au\\\/staging\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/bethere.p4.clientcommunity.com.au\\\/staging\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/dummy-logo3.png\",\"contentUrl\":\"https:\\\/\\\/bethere.p4.clientcommunity.com.au\\\/staging\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/dummy-logo3.png\",\"width\":547,\"height\":125,\"caption\":\"BE THERE\"},\"image\":{\"@id\":\"https:\\\/\\\/bethere.p4.clientcommunity.com.au\\\/staging\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Debt Management - BE THERE","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_GB","og_type":"article","og_title":"Debt Management - BE THERE","og_description":"Borrowing money is easy these days and that\u2019s why it\u2019s even easier to get into debt.\u00a0 But, not all debt is bad debt. Having a debt management plan in place and understanding the difference between good and bad debt could help you make better financial decisions. Good debt \u201cGood\u201d debt is when you borrow to ... Read more","og_url":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/services\/debt-management\/","og_site_name":"BE THERE","article_modified_time":"2025-05-21T23:24:46+00:00","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/services\/debt-management\/","url":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/services\/debt-management\/","name":"Debt Management - BE THERE","isPartOf":{"@id":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/#website"},"datePublished":"2023-01-12T00:17:47+00:00","dateModified":"2025-05-21T23:24:46+00:00","breadcrumb":{"@id":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/services\/debt-management\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bethere.p4.clientcommunity.com.au\/staging\/services\/debt-management\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/services\/debt-management\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/"},{"@type":"ListItem","position":2,"name":"Services","item":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/services\/"},{"@type":"ListItem","position":3,"name":"Debt Management"}]},{"@type":"WebSite","@id":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/#website","url":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/","name":"BE THERE","description":"Financial Wellbeing","publisher":{"@id":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/#organization","name":"BE THERE","url":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/#\/schema\/logo\/image\/","url":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/wp-content\/uploads\/2022\/11\/dummy-logo3.png","contentUrl":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/wp-content\/uploads\/2022\/11\/dummy-logo3.png","width":547,"height":125,"caption":"BE THERE"},"image":{"@id":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/wp-json\/wp\/v2\/pages\/13832","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/wp-json\/wp\/v2\/comments?post=13832"}],"version-history":[{"count":31,"href":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/wp-json\/wp\/v2\/pages\/13832\/revisions"}],"predecessor-version":[{"id":15723,"href":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/wp-json\/wp\/v2\/pages\/13832\/revisions\/15723"}],"up":[{"embeddable":true,"href":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/wp-json\/wp\/v2\/pages\/5494"}],"wp:attachment":[{"href":"https:\/\/bethere.p4.clientcommunity.com.au\/staging\/wp-json\/wp\/v2\/media?parent=13832"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}