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  • Unexpected expenses? Here’s how to cover them

    Unexpected expenses usually hit just when you need them the least – and it’s tough to find that extra cash when your budget is already stretched to breaking point.  If you’re …

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  • The Christmas countdown is on

    2017 seems to have hurtled passed at a great rate of knots and Christmas will be upon us once again in a few short weeks. It’s that time of year when budgets are under pressure and over- …

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  • The true cost of a pet - how to calculate if you can afford a new addition?

    Whether you’re single or you have a family, a new pet can bring joy to just about anyone. But owning a pet goes way beyond having a dog or cat to cuddle. Pet ownership is a big responsiblity …

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  • Eight great photo apps to check out today

    Smartphone cameras just keep getting better and better but if you want to take things up a notch, we’ve found some great photo apps that will have you shooting like a pro. 

    Adobe …

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  • Budgeting tips for new parents

    There’s no doubt about it, having kids is an expensive exercise. Your dollars seem to sprout wings and fly out the door and your credit card suddenly takes a pounding like it’s probably …

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  • Outdoor entertaining - how to host a barbie on a budget

    We all love a get-together and with the warmer weather and longer evenings approaching, now's the perfect time to enjoy some outdoor entertaining and a barbie where you can relax and enjoy the …

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  • Four ways to save on trick or treat costumes

    Each year, people go batty trying to come up with some spooktacular, clever and fun ideas to celebrate Halloween. That doesn't mean it has to be expensive - for those who don’t have …

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  • Rags to riches - life lessons from a few billionaires

    If there’s one thing that billionaires have in common it’s a relentless work ethic, a willingness to take risks, a complete lack of complacency and a voracious desire for money and …

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  • Billions in unclaimed money – are you missing out?

    It may seem hard to believe, but according to the Australian Securities and Investments Commission (ASIC), as a nation we have around $1.1 billion in unclaimed money. Yes, that’s over one …

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  • 15 great ideas to help you make more cash

    With Christmas trees already making an appearance in some major retailers, it’s a scary reminder that the season when the jolly fat man in the red suit and the smell of reindeer on his boots …

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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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