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  • Becoming rich - you still have time to make it happen

    Everyone has financial dreams; from owning that big beautiful house, to being able to travel around the world whenever you want, to being able to save money easily - everyone has financial …

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  • Low cost winter recipes

    Looking for ways to warm you from the inside out? Here are our top three cost effective winter recipes. These winter meals are sure to warm your hearts without freezing your accounts. We’ve got …

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  • Work your finances with Google Sheets

    Not every budgeting tool or program has to be fancy with hundreds of features that you may or may not use. While these robust programs may be great for the super user, a lot of people find they only …

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  • Three low cost tips to stop smoking and boost your savings

    A pack of cigarettes in Australia costs between $25-$30 dollars; at a pack a day that’s an annual cost of at least $9,000! For those who do smoke, it’s expected that the cost is only …

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  • Channel your creative side and become a freelance graphic designer

    Want to earn some extra money but don’t have the time or financial resources to start a whole new career or business?  Have you considered freelance graphic design as a side job? It doesn' …

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  • Five tips to save money on home energy bills

    One of the easiest ways to save money is to cut back on your expenses. There are a number of simple changes you can make in your daily life to help reduce your costs starting with the home energy …

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  • Cut out coffee and soft drinks and save

    Are you a coffee or a soft drink addict? Both these drinks can be very addictive, in fact, according to australianbeverages.org, a 2013 Galaxy poll reported that people aged 15-49 get 50% of their …

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  • Repurpose household items to earn extra cash

    Have you heard the saying “It takes money to make money”? If so, you’ve probably been a little hesitant when it comes to trying to earn extra income on the side. After all, if …

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  • Work out from home and get in shape for FREE

    When you think about your finances, becoming physically fit probably doesn’t cross your mind - but maybe it should! Did you know that according to the Sydney Morning Herald, the cost of obesity …

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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 …

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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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