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  • Can't afford to get away this Australia Day weekend? Yes you can!

    Australia Day this year falls on Thursday – and isn’t it tempting to take Friday off to make a long weekend of it!  January just seems to be that time of year when we all want to …

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  • Ten fun and free things to do with the kids these holidays

    “I’m bored” – two words that are guaranteed to send a shiver of fear down your spine at holiday time. Well fear no more – here’s our top 10 fun and free (or almost …

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  • Three ways getting out of debt starts with your habits

    If you’re in debt, you’ve probably heard yourself say “I want to get out of debt” more than one or two times. The question is, why is it so hard to get out of debt? On the …

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  • Four cost effective ways to increase your earning potential

    Are you looking for ways to increase your earning potential? Most people would love to earn more money without having to take on a second job or work more hours during the week or on the weekends, …

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  • Earning more income in the new year - 3 ways to make easy cash

    You may have heard that in order to save more, you have to earn more. You may have also heard that the best way to pay down debt is to again, earn more money. While this makes complete sense, …

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  • Three car maintenance tips to prevent costly repairs later on

    Whether you’re driving around in a brand new car, or your current motor vehicle has seen better days, taking care of it properly can be the difference between a dependable car that you can …

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  • Three simple things you can do to start your new year off on the right financial path

    Welcome to 2017! For most people, the start of a new year means setting new resolutions and goals. For some, these resolutions and goals may include getting out of debt or improving finances in some …

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  • How to save money for the festive season when you're in your 20s

    Experiencing the festive season in your 20s can mean many different things. You may be single and attending university, or you may just be starting out in your career. On the other hand, you may …

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  • Three easy holiday gift ideas that don't require a lot of time or money!

    The holidays are quickly approaching, which may be leaving many worrying about how they’re going to pay for gifts. Christmas and holiday gift shopping can easily get out of control, and by the …

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  • Getting a holiday bonus this year? Three ways to put the extra cash to work!

    As the holidays are quickly approaching, it means holiday parties at work, the season of giving, and for some that means a nice holiday bonus. If you’re expecting a bonus at work, you may …

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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/

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National Consumer Credit Protection Act 2009.

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