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  • How to upgrade your kitchen or bathroom for less…

    Are you looking to upgrade the kitchen or bathroom in your home, but money is tight and you’ve been putting off those renovations for quite some time?

    Upgrading any part of a home can be time …

    Read more
     

  • Need extra Income? Become a freelance writer and work from home

    Many people would love to break the cycle of living from payday to payday. The problem however, is that if you’re already working a full time job, or you have a family to take care of, you may …

    Read more
     

  • You've just received a large amount of money, now what?

    It’s a dream that everyone has – waking up one day to learn that you’re a lot richer than you were the day before. Whether this newfound wealth comes from lotto winnings, an …

    Read more
     

  • How do I budget for those unforeseen expenses?

    One question people who are trying to get their finances in order often ask is: “How do I budget for expenses I don’t know about?” It’s a good question and part of good …

    Read more
     

  • How to save money for the holidays | Yes you should start now!

    It’s time to start saving for the holidays...

    While you may be wondering if it’s too early to start doing this since the holidays just passed, the answer is no! The sooner you start the …

    Read more
     

  • Don't forget to allow for incidentals in your budget

    Many people realise what their weekly income is and what bills they have to pay out of that income. However, it’s the day-to-day expenses and the things that you don’t budget for that …

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  • 10 tips to save money on groceries

    Taking a cut lunch to work could potentially save you over $1,000 per annum.

    Making school lunches at home could save hundreds of dollars as well.

    Shop with a friend. If you want the savings …

    Read more
     

  • Earn extra cash by selling for free on local Facebook groups

    Local Facebook groups are where, instead of eBaying second-hand goods, people harness Facebook’s power to sell to others in the local community.

    The best bit is there are NO fees, so you keep …

    Read more
     

  • To save money, why not write a list before you go shopping – and stick to it!

    One of the easiest ways to save money is to only shop when you have a list. Because when you’re without one, you typically end up making impulse buys and unplanned purchases – all things …

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  • Teach your kids good financial habits by starting early

    How your kids think about money early on in life can greatly affect their financial success later on down the road. Good financial habits start at home and there are plenty of ways that you can teach …

    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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