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Where to Get Free Financial Counselling in Australia
Money problems can be difficult to talk about, especially when bills, repayments or overdue accounts are starting to build up. We believe it is important to know that you do not have to work through financial difficulty alone. Free, confidential and independent financial counselling is available across Australia.
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How to Create a Budget That Actually Works When You’re Living Paycheque to Paycheque
When most of your pay is already spoken for, traditional budgeting advice can feel disconnected from reality. You may not have hundreds of dollars available for savings. Your work hours might change from week to week. A single unexpected bill can throw out your entire pay cycle.
View Full ArticleDoes a Cash Advance Affect Your Credit Score in Australia?
Thinking about accessing some of your pay before payday but worried about what it could mean for your credit score? Whether a cash advance affects your credit score in Australia depends on the type of service you use, whether a credit enquiry is made and what information, if any, is reported to a credit reporting body.
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How to Break the Payday Loan Debt Cycle
Does most of your pay disappear into loan repayments, leaving you short again before your next payday? This can create a payday loan debt cycle: you borrow to cover an immediate expense, repay the loan and its fees, and then find there is not enough money left for rent, groceries, transport or other everyday costs.
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How to Build an Emergency Fund From $0
When your budget is already stretched, building an emergency fund can feel impossible. You might know that having savings would help, but finding spare money to put aside is often the hardest part. The good news is that you do not need hundreds or thousands of dollars before you can start.
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