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Budget Tag

Are you feeling the pinch? Perhaps you’ve already cut back on discretionary spending. Or are contemplating a much more frugal Christmas season.

You’re not alone. New research shows while Australians are tipped to spend almost $5 billion on online shopping in the leadup to Christmas this year, almost half of those surveyed are planning to spend less than the same time in 2022. And almost 80 percent said they plan to cut back on non-essential spending in the same period.

Are you being hounded by a debt collector? Are the phone calls and texts never ending? Perhaps the debt collector is constantly calling or texting family members or friends to try to get hold of you.

No one wants to be chased for money, especially at a time they are feeling vulnerable and under considerable financial stress. But what exactly is a debt collector? And how are they supposed to behave?

Are you having a tooth pulled? Or lost some teeth in an accident? Or simply don’t like the way your teeth look? Your dentist may suggest dental implants.

While there are good health reasons for replacing a missing or extracted tooth (or teeth) as soon as possible, it’s important to understand what dental implants are and what is involved in the procedure.

Struggling to juggle all your bills? Falling behind on your rent or mortgage payments? You may benefit from financial counselling.

We seek advice from the experts for all kinds of things in our lives – from health to education and everything in between, so you shouldn’t be embarrassed about asking for assistance in an area integral to your wellbeing.

Financial counsellors can help you navigate a very stressful time. But who exactly are these professionals? What role do they play in helping you regain control of your financial health? Let's delve deeper into understanding the invaluable support they can provide.