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  • How to cut the cost of your weekly shopping bill

    For most families, weekly shopping is an expensive and time-consuming exercise and if you don’t watch your budget like a hawk it’s easy for costs to escalate – leaving you wondering …

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  • Looking for work? Use these 5 job application strategies to help find employment

    Being unemployed is a gigantic stress! Without employment, bills start getting behind and it doesn’t take long to find yourself in dire straits wondering what you’re going to do. To make …

    Read more
     

  • Dress for success - how to save money on your work wardrobe

    Is your work wardrobe taking a huge bite out of your budget? Many companies require their employees to dress professionally, which doesn’t often come cheap. Or on the other hand, maybe you& …

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  • Broken down car? Three tips on how to save money and get you back on the road

    You need to go to work to earn a living, but your car has suddenly broken down and you don’t have all of the money you need to get it fixed - what do you do? For many people, especially those …

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  • Renovating tips that will add real value to your home

    Autumn is upon us and now that the heat of summer has said goodbye there’s never been a better time to put some thought into improving the look (and value!) of your home.

    Revamping doesn’ …

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  • Entertaining on a budget

    Just because cash is a little tight doesn’t mean you have to miss out on fun with your mates.  It’s easy to have a great night in with friends without draining your bank account, …

    Read more
     

  • Ten great fitness apps you can download today

    For most of us, Christmas was a time of fun, food and indulgence but it’s February now and it’s time to get moving, get fit and ditch those Christmas kilos.  If your New Year's …

    Read more
     

  • Pet care on a budget - four ways to keep your animals happy and healthy

    Do you consider your pets part of the family? Animal lovers often do anything for their pets, including putting their care above their own.

    Let’s face it: pets can be expensive, especially if …

    Read more
     

  • It's hot out! Four ways to save on air conditioning costs

    Can’t stay cool because you’re worried about how much money your air conditioning bill will be if you use too much? Let’s face it, it can be quite hot outside, but it’s also …

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  • Low cost ideas to wow your loved one this Valentine's Day

    Love is in the air and with Valentine’s Day just around the corner you don’t have to spend a fortune to knock the socks off your significant other and show him or her just how much …

    Read more
     

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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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