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  • Ten tips to successfully negotiate a wage increase

    Negotiating a wage increase can be intimidating, but it's important to improving your financial situation and ensuring you are fairly compensated. Whether preparing for your annual review or a …

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  • The benefits of community – how to get involved and give back

    In an increasingly digital age, it is easy to become detached from a sense of community. However, the benefits of community involvement are significant as they provide a sense of belonging, support, …

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  • Smart ways to maintain your vehicle and save on car expenses

    We all love our wheels, but owning a car can be expensive. Even if you budget for registration, insurance, fuel costs, and maintenance, unexpected breakdowns can be costly. However, with some smart …

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  • Ten creative gift ideas to surprise your Dad on Father's Day

    Father's Day is the perfect time to remind Dad how much he means to you. Whether in person or from afar, there's never a better day to show your appreciation and love - and you can do just that with …

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  • Eight money saving apps to maximise your savings

    The increasing cost of living can make it challenging to manage your finances. Luckily, many technology apps are available to help you save money, budget effectively, and optimise your spending. Here' …

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  • Parenting 101: How to master the art of staying calm

    Being a parent is both incredibly rewarding and challenging. Balancing work, household responsibilities, and finances can be overwhelming at times. It's tempting to lose your temper and shout at your …

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  • Ten tips to build an emergency fund on a tight budget

    Creating an emergency fund can be a game-changer during difficult times. It might seem challenging to build this fund while on a tight budget, but it's definitely possible. With discipline, strategic …

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  • Navigating redundancy: 10 tips for successfully managing change

    The prospect of your job being made redundant can be a daunting experience - but it can also be a gateway to new opportunities and personal growth. If you’re in that position right now, here& …

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  • A quick and easy loan – it could be your financial lifeline

    In today's fast-paced world, unexpected financial emergencies tend to occur when we are least prepared. Whether it's a sudden need to visit a sick family member, a car breaking down, or an urgent …

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  • Ten simple and effective strategies to boost your relationship

    Like all good things in life, relationships require effort, understanding, and nurturing to survive and thrive. Whether you're in the honeymoon phase or have been together for years, here are some …

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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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