DEBT CONSOLIDATION
Getting paid, but there's little or nothing left?
The mortgage, credit cards, loans and bills take most of your pay. Then groceries, fuel and everyday family expenses go back onto credit.
Next payday, the cycle starts again.
If this is happening every payday, you may be wondering how long you can keep doing it.
Let's start with a confidential, no-pressure conversation about what's happening and where you stand.
Prefer to talk? You can call Julieann directly on 0411 082 575
Who you'll be speaking with
Hi, I'm Julieann Brown.
I'm a finance broker with over 20 years' lending experience.
I often speak with people who are earning an income and doing their best to keep everything going, but find that more and more of their pay is disappearing into repayments.
Sometimes they've started relying on credit for everyday expenses. Sometimes they've missed repayments. And sometimes their bank has already said no.
You don't need to know what the answer is before we talk.
My first job isn't to promise you a loan. It's to understand what's happening, where you stand and what options may be appropriate for your circumstances.
PAYDAY SHOULDN'T FEEL LIKE A RESET
You wait for payday, then start working out what has to be paid first.
The mortgage. Credit cards. Loans. Car finance. Utilities.
Sometimes, there's little or nothing left for groceries, fuel or something the kids need.
So those expenses go back onto the credit you've just paid down.
Then the next payday arrives and you do it all over again.
You're earning money. You're making repayments.
But it still feels like you're going backwards.
MISSED REPAYMENTS — THERE ARE STILL OPTIONS
A missed repayment can feel like a line has been crossed.
Suddenly, you may be wondering whether you've damaged your chances of getting things back under control.
Maybe an unexpected expense hit at the wrong time.
Maybe the repayments have simply become too much.
Or maybe you've been juggling everything for months and eventually something had to give.
Whatever has happened, one missed payment doesn't tell the whole story.
Your income, debts, property position, repayment history and what's caused the pressure all help build a clearer picture of where you stand.
From there, you can understand what options, may be available for your circumstances.
DOES ANY OF THIS SOUND FAMILIAR?
- Maybe you're making repayments but still using credit for groceries, fuel or everyday expenses.
- Maybe you're moving money between accounts depending on which payment is due next.
- You've increased a credit limit or taken out another card just to create some breathing room.
- You've borrowed from family and don't know when you'll be able to pay them back.
- You've started missing repayments—or you're worried you're getting close.
- Or you've already asked your bank about consolidating your debts and they've said no.
From the outside, everything might still look fine.
But you know something needs to change.
Prefer to talk? You can call Julieann directly on 0411 082 575
WHAT HAPPENS WHEN WE TALK?
Step 1
Tell me what's happening
We'll start with a conversation about your income, debts, repayments and what's putting pressure on the household.
You don't need to have everything figured out before we talk.
Step 2
I'll look at the whole picture
I'll take the time to understand your circumstances, including your existing debts, property position and any missed repayments or arrears.
Step 3
Understand where you stand
If there are potentially suitable finance options, I'll explain them and the things you'll need to consider.
If further credit isn't appropriate for your situation, that's important to understand too.
There's no guarantee finance will be available. The purpose of the conversation is to understand your position before deciding what happens next.
Confidential
Let's start with a conversation
You don't need to know what the answer is or have everything figured out.
Leave your details below and I'll get in touch to understand what's happening and where you stand.