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 fromCentrelink.  For more information visit https://www.moneysmart.gov.au/