Picture Book · Debt and cash flow
Debt and cash flow, in pictures
Budgets, buffers, offset accounts and paying debt down. Pick a story and flip through it.
Where does the money go?
A budget in five simple steps.
6 pictures · about 1 minute
The rainy day jar
Why a cash buffer comes before almost everything else.
6 pictures · about 1 minute
The offset account sponge
How savings can soak up home-loan interest.
6 pictures · about 1 minute
The fortnightly trick
How 26 halves can make an extra month's repayment.
6 pictures · about 1 minute
Why early extra repayments count
A little extra now can mean much less interest later.
6 pictures · about 1 minute
Smallest first, or highest first?
Two ways to clear more than one credit card.
6 pictures · about 1 minute
The debt consolidation trap
A lower repayment can still cost you more.
6 pictures · about 1 minute
Building a fence around your credit card
Small habits that keep card debt from growing.
6 pictures · about 1 minute
It's okay to ask your lender for help
What a hardship arrangement is, and what it isn't.
6 pictures · about 1 minute
You don't have to sort debt alone
Where to turn when the bills feel overwhelming.
6 pictures · about 1 minute
Want this for your situation?
The stories explain the idea. One of our advisers can help you work out what applies to you.
Book an appointment with one of our advisersor call 07 3262 6585
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General advice warning. This picture book is general information only. It does not take into account your objectives, financial situation or needs, and it is not personal advice. Rules and thresholds change. Before acting, consider whether it is right for you, read any relevant Product Disclosure Statement and our Financial Services Guide, and seek personal advice. Past performance is not a reliable indicator of future performance.