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  • Celebrate big life moments without breaking the bank

    Life's big moments - weddings, new babies, milestone birthdays, home renovations, or dream holidays - are often worth celebrating. But they can also come with a hefty price tag if you don't plan …

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  • Top tips for creating a calm and organised family routine that works

    Between school runs, sports training, work demands, housework, and mealtimes, it can sometimes feel like family life is a never-ending whirlwind. Add in unexpected expenses or a tight budget, and it' …

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  • How to balance your work-from-home life with family time

    In the constantly changing world of modern work, working from home has become increasingly common. While it provides flexibility, no travelling to work, and the comfort of your own space, working …

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  • Travel for the soul - how exploring new places boosts personal growth

    In our fast-paced, screen-filled lives, it's easy to forget how transformative stepping outside our comfort zone can be. Exploring new places - whether a charming country town a few hours away or a …

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  • The ultimate guide to meal planning for busy families

    Between school runs, work schedules, after-school activities, and trying to find a moment of peace, it's no surprise that many of us feel overwhelmed at dinnertime. The good news? With a bit of …

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  • Why respecting local cultures should be every traveller’s priority

    There's a special magic when stepping off a plane and into a new culture. The language, the food, and the way people interact - all of it can feel like entering another world. Australians are known …

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  • How to borrow wisely without sacrificing long-term goals

    Borrowing money is a common part of life, whether it's for a home loan, car finance, a credit card, or a personal loan. The key is to ensure that borrowing today doesn't sabotage your long-term …

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  • How to establish a morning routine that sets you up for success

    We all know those people who seem to have it all together before 9:00 am - they’ve worked out, done some housework, sipped their smoothie, and are already deep into productive flow. While that …

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  • The importance of family traditions – and how to start your own

    In today's fast-paced world, where schedules are packed and screens dominate downtime, family traditions can provide a much-needed anchor. Whether it's a weekly Sunday roast, camping every Easter, or …

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  • Ten habits to boost your mood and happiness

    In the hustle of everyday life, it’s easy to feel overwhelmed, flat, or just a little bit off. But in times like this, it’s important to remember that happiness isn’t just something …

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Warning - Do you really need a loan today?

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  • If you are on government benefits, ask if you can receive an advance from Centrelink: Phone: 13 17 94
    http://www.humanservices.gov.au

The Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you. https://www.moneysmart.gov.au/

This statement is an Australian Government requirement under the
National Consumer Credit Protection Act 2009.

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