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How To Leave A Domestic Violence Relationship In Six (Not So) Easy Steps

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How To Leave A Domestic Violence Relationship

Escaping an abusive relationship is hard, particularly if children are involved. It is however essential for both you and your children!

Deciding to leave a violent relationship is difficult and not a decision that is easy to make. You want to leave but there are many obstacles that make this choice seem near impossible.
The most common hurdle is fear, for you and your child’s safety! You are scared about taking the next steps and the ramifications that may follow; this is completely understandable given your current situation. This is why knowing how to leave a domestic violence relationship safely is crucial.

Must do’s for a safe escape

You have reached the point where you cannot take the abuse anymore but don’t know what to do next. This step by step guide will help you take the first of many steps to your reclaiming independence.

1. Seek legal advice

Before you do anything, seek legal advice. They will be able to tell you exactly what you need to do in order to protect yourself. This is particularly important if children are involved. It isn’t uncommon for the abuser to use your children as leverage to get you to return. If you take the advised steps from your legal team and/or local police, you will not have this concern. They will also be able to put you in touch with emergency accommodation and DV groups. For Legal Aid advice click here for further information.

2. DVO

Get a Domestic Violence Order (commonly known as DVO). While this may aggravate the situation, it is essential. This allows police to keep an eye out and it will also help you should you be required to go to court. For more information on how to obtain a DVO click here.

3. Where will you go?

This is the question that scares most victims into staying. You may have been alienated from your family and friends and feel you have no one to lean on. This is a time of need and you don’t have to do it alone. If you have a good friend or family close by; stay with them until you can sort out alternative accommodation.

If you are living away from relatives; contact your local Salvation Army or other emergency accommodation provider. The Salvos help more than 2000 women escape violent relationships each year by providing them with refuge accommodation and on-going support. The Salvation Army details can be found here: http://www.salvationarmy.org.au/find-help/domestic-violence/.

4. Have a plan

Victims of domestic violence do not always have the luxury of having time to plan when and how they will leave. If you can, make a plan of where you will go and how you will respond to your partner’s calls and persistence.
If you feel your life is in imminent danger, get out now! Don’t leave it until it is too late.

5. Money

• If possible, start saving little bits of money when you can. This is easier said than done as most abusers know where every dollar is being spent. This is another way they maintain control and make it difficult for you to leave. For those fleeing and saving isn’t possible, the government offers crisis payments to those who are planning to or have left violent relationships. See more information here.

• Open up a bank account in your name only, with another bank you don’t use together. This eliminates any chance of your partner getting your personal details, including address or money.

• Call your bank and put a hold on all home loan redraws. While this is not something you would think of doing in the moment of leaving, it is smart for long term.

6. Privacy and safety

• Cancel your childcare and change schools if possible. This is to ensure your partner does not come and take the children out of school as a way to regain control.

• Change passwords and privacy settings on everything!

Far too many people suffer from domestic violence and the number of sufferers is only rising. The stats shown below from the Australian Bureau of Statistics are just terrifying.


Fleeing a domestic violence relationship takes strength, bravery and patience. This is why good support is essential. Please remember that regardless what you are told; it is not your fault and you are not to blame!

For support and domestic violence helplines see the numbers below.

If your life in immediate danger call – 000

National Domestic Violence (24 hours): 1800 737 732
Lifeline: 131 114
• QLD – Domestic Violence Telephone Service – 1800 811 811
• NSW – Domestic Violence Line – 1800 65 64 63
• VIC – safe steps Family Violence Response Centre – 1800 015 188
• ACT – Domestic Violence Crisis Service – 02 6280 0900
• SA – Domestic Violence Helpline – 1300 782 200
• WA – Women’s Domestic Violence Helpline – 1800007 339 & Crisis Care – 1800 199 00808
• NT – Domestic Violence Crisis Line – 1800 019 116
• TAS – Family Violence Counselling and Support Service – 1800 608 122 or Family Violence Response & Referral – 1800 633 937

For more helplines visit http://www.whiteribbon.org.au/finding-help.

*Disclaimer: I am not qualified to advise you on what to do or give legal assistance in your situation, I can only comment on my own personal experience and those close to me. Please call one of the helplines or seek legal advice before taking action.

How To Save Money On Furniture And Homewares

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Save Money On Furniture And Homewares

It is time to get organised. Clean up, clear out and start fresh this festive season.

The holidays have rolled around again and guests are spending the weekend. You don’t want to be embarrassed by your old worn out homewares, so it is the perfect time to change your décor. Get that outdated and shabby furniture off your property and spruce it up with something new or new to you.

One man’s trash is another man’s treasure

You know the old saying. This is absolutely true when it comes to furniture and homewares. Unlike 10 years ago, today there are so many options to find a bargain and you are crazy to not try. Consider the following before you go out and pay full price:

Christmas and Boxing Day sales

Stores and warehouses around Australia have fantastic Christmas and Boxing Day sales. Sometimes you may have to hunt a little to find them but they are definitely there. You can save up to 50% on some items, which is nothing to be laughed at for brand new pieces of furniture!

Gumtree or Ebay

These websites are full of fantastic bargains. On Gumtree you will even find free homewares, electricals and outdoor furniture. A lot of the time there is absolutely nothing wrong with the items; people just upgrade and want to pass them onto someone else. Keep your eyes peeled for these bargains because they don’t last long!

TIP: For even better deals, check after Christmas when people replace their furniture or are selling their unwanted gifts!

Buy, Swap & Sell sites on Facebook

Similar to Gumtree, you can find mountains of free and cheap household goods and furniture in your local area. Social media has opened up opportunities for sellers to get rid of their unwanted goods and buyers to score themselves a bargain. Sometimes all the furniture needs is a little TLC to bring it back to its former glory.

Get creative with DIY

Look around your local garage sales, businesses, the above mentioned avenues and even friends places for scraps that can be turned into fun items. Wooden pallets are fantastic for creating practical but unique outdoor lounges and garden beds. Create feature pieces by turning old doors and cable reels into tables. For the festive season, extra esky’s and ice buckets are required which is where old bath tubs make the perfect addition to an outdoor area.

For more ideas on how you can create your own home decor with a little DIY, CLICK THE LINK!

Style and comfort doesn’t have to be expensive. You can stay well within your budget by doing a little bit of research and bartering to get a better price.

Everyone wants something new but new isn’t always better. Sometimes older products are built to a higher standard and will last longer than many new pieces. Consider your needs, wants and budget before making your purchases.

How do you save money on your furniture, homewares and gardening items?

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What To Check Before Buying A House

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What To Check Before Buying A House

Don’t rush in and make an offer on the first house you view. There are potential perils that you need to be aware of!

You have saved your hard-earned money and it is finally time to break into the property market. Don’t let excitement cloud your judgement, take your time and get to know the house well before taking the next step. Here are some things you should know before buying a new house:

What you need to know BEFORE making an offer

It isn’t uncommon for your heart to rule over your head when making this emotional purchase. That is a rookie error that could have catastrophic effects, resulting in the purchase of a lemon aka money pit. This can be easily avoided by considering the following:

Environment and area

The surrounding environment and area can have the potential to turn your dream home into a nightmare. Do your research into the neighbourhood and see how the crime rate compares to surrounding areas. You don’t want your family home to be vandalised or broken into, not to mention the higher cost of insurances.

Contact the local council to see the flood maps and get information on past floods in the area. For a quick guide of the risk in Brisbane areas, CLICK HERE. Flooding can cause more costs and damage than you realise.

Building and pest inspections

Building and pest inspections are essential prior to buying a house. The qualified inspectors know exactly what to look for. They will see hidden concerns that you will not know about without an inspection. They will notice cracked beams, water damage and much more.

If the real estate agent offers to arrange the pre-purchase inspections for you, get your own evaluation done as well, the team at Action Property Inspections are reliable and trustworthy. The possibility of the agents report being biased is a risk that should not be taken when making this purchase, as they do not want anything to hinder the potential sale.

Exterior

Before you step foot into the house take a look at the exterior. There are potential issues that can be seen before the pre-purchase inspection is done that could give you an indication on how well the property has been looked after.
• Fences – do fences look to be in good condition? These are quite expensive to replace and you don’t want to have this additional cost shortly after purchasing a house.
• Roof tiles – can you see any broken or cracked tiles? If you answered yes, this could be a sign that there is water damage in the roof.
• Gutters – are the gutters in good condition? Rust means they will require replacing before too long. Also check to make sure they are attached correctly and not hanging loosely.
• Drainage – does the yard contain drains? If it doesn’t, will it need drainage installed? Check the slope of the block and check for obvious signs of water build up throughout the yard.

Interior

A new coat of paint will spruce up the house but look beyond the crisp, clean walls and fancy décor. Open the cupboards in the kitchen and bathrooms so you can check for obvious signs of mould, mildew and water damage.

Take notice of cracks in the walls, if the cracks are large this is cause for concern however fine cracks are often acceptable. Your building inspector will pick up on this if it is a problem. Check the condition of power points and appliances, if they appear to be in poor form, it could mean the electricals need replacing and this is not cheap.

While most issues and damage can be repaired, they could also be the reason you struggle to sell your house down the track or contribute to unforeseen maintenance costs.

By checking the above before signing anything, you could save yourself a lot of heartache and money.

What is on your ‘must check’ checklist before buying a house? Have you experienced a house from hell?

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Protecting Your Family’s Financial Future

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Protecting Your Family’s Financial Future

You probably already look to insure your car, home and maybe your health but what about your family’s financial future? Many people overlook the idea of having life insurance or are not fully aware of the benefits but it can give all-important peace of mind if the main earner in the household dies or cannot work. Here are some of the reasons why you should think about having life insurance.

The Benefits of Life Insurance

How would you cope financially if you lost the income of the main earner in the household? For most people, this would be a devastating scenario, especially if you have little or no savings to help you.

There are several different options when it comes to buying life insurance and a lot will depend on the type(s) of scenario that you want to cover yourself for. Most people are at least vaguely aware of general life insurance (also known as Death insurance), which provides a lump sum payment for beneficiaries if the policyholder dies or becomes terminally ill.

Besides this, there is also the option to buy Total and Permanent Disability (TPD) insurance, Trauma insurance (also known as Critical Illness insurance) and Income Protection insurance. These life insurance products can protect against being unable to work due to permanent disability, certain medical traumas and illness, injury or an accident.

Do You Already Have Any Life Insurance?

If you have a superannuation fund, you may already have at least some degree of life insurance attached to this. This has the benefit of being cost effective as premiums are deducted from your super balance but it does have some drawbacks.

Many people are content to rely solely on this (especially if they would struggle to find room in their budget for premiums) but the default minimum cover will rarely be enough to provide an adequate level of protection unless you choose to upgrade from this. Not all types of life insurance are available through your super fund; Trauma/Critical Illness insurance cannot be bought in this way, for example.

You can choose to buy more life insurance cover through your super fund or shop around for additional cover through an insurer.

How Much Life Insurance to Buy?

Underinsurance is a big problem in Australia, especially for life insurance. This means that many people do not have enough life insurance in place to provide adequate protection if the worst happens. This is largely to do with an over reliance on life insurance offered through superannuation but is also due to not recognising how much life insurance is needed to give genuine financial peace of mind.

Firstly, you’ll need to think about your anticipated current and future expenses, including bills, rent or mortgage payment and debts over the next few decades. As a general rule of thumb, most families will benefit from having something in the region of $500 000 or more of Death insurance but a lot depends on your outgoings and how long you may need the payment to last for.

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Tips To Find The Right Investment Property

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Tips To Find The Right Investment Property

It’s time to put your future first. Don’t retire with nothing to back you up financially, get ahead now!

Investing in your prospective years can make all the difference to how you live when you give up work. By setting yourself up financially in your younger years, you can get a head start on achieving your goals. Find the right investment property and you will be well on your way!

Why is investing in property important?

Property investment is not for everyone. Some people prefer to invest their hard earned dollars in shares and stocks. But for those interested in investment property; it is typically considered one of the safer options to invest in.

If this is a route you are considering, you must first be aware of the pros and cons that are associated with investing in property.

Pros and cons of investing in property

There are so many factors to consider but the main ones consist of:
PROS

• Insurance – You can insure your investment against a wide variety of risks; natural disasters, fires, tenant damage/tenants leaving, etc.

• Capital growth – If you have chosen your investment well, you will see a rise in property value over the years to come in addition to regular rental returns.

• Tax benefits – If your property is negatively geared it could provide potential tax benefits. This is not always the case and should not be a deciding factor but is often a benefit to investing in property.

CONS

• Problematic tenants – While this doesn’t happen regularly, you could end up with the tenants from hell. They could damage your property, refuse to leave, not pay rent and cause several other headaches that could take months to resolve.

• No tenants – There is occasional periods where you will have no tenant occupying your property and you will be required to pay the mortgage repayments.

• Ongoing costs – In addition to the initial cost of the property, you will also find that there are ongoing costs associated with property investment. These include: rates, body corporate (if applicable), repairs, insurances, water, maintenance and more.

Property must haves

Similarly to when you are purchasing or renting a house for yourself and your family, the property must consist of certain features to make it an enjoyable and desirable place to live. Investments are no different.

• Location – You have heard it before and you will hear it again. A good location is important for attracting the right tenants. A good location is safe, offers peace of mind and is close to public transport, schools, shops, etc.

• Storage – From ample linen space to bedroom closets; storage is a crucial decision-making factor.

• Parking – Surprising to some, not every property comes with parking. By adding the option of a garage, carport, undercover or off street parking; you will increase tenant interest dramatically.

• Maintenance – It is in your best interest to find a property that requires minimal yard maintenance. Tenants don’t want to pay for upkeep of pools, gardens, etc. so unless you are willing to pay a professional to maintain the grounds, stick with simple!

Research the property you want

Buying property can be an emotional experience; however when making the decision, use your head and not your heart!
Research must be done into not just the property but also the area before taking the plunge.

• Infrastructure – What is happening in the area? Are future buildings, businesses or projects planned? This can have both devastating and beneficial effects on the value of your property, so ensure you know what is going on.

• Return potential – The expected return of a property is one of the most important things to consider when purchasing property. Do research and compare the property with those similar in the area on rental sites.

• Investment strategy – Do you plan on negatively gearing the property or receiving a positive cash follow? What is the loan rate? Suburb growth? Do you want a unit, house, etc? By comparing your answers to the above questions on the Homesales.com.au Investment Property Search, you will be shown options around Australia that are expected to produce the results you want.

Don’t just jump in and buy a property. Make sure you take the appropriate steps to ensure it is what is best for you financially and that your purchase will indeed be an investment. Don’t risk buying a bottomless money pit. For more information on property investment, click the link.

Investing in your future doesn’t have to be stressful. By considering the above points and doing your research, you will find the right investment property for you!

What tips would you offer someone trying to find the right investment property?

Disclaimer: I am not a financial advisor and this article should not be used as such. For financial advice, consult your financial advisor.
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