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mma: struggling with credit cards and are offset accounts worth it?

Glen and John answer your questions:

❔should I move out and rent my own place or am I better off staying at home and saving until I find a place to buy?

❔rent is taking 50% of my income and I can't find more income, any tips?

❔I am struggling to pay off a credit card and interest is high but can't get a new credit card to do a transfer at the moment, what do I do?

❔are offset accounts worth it?

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