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Picture Book · Debt and cash flow

You don't have to sort debt alone

Story pages

An older man in his sixties sitting in a shed workshop surrounded by stacks of unopened envelopes
Meet Col. The bills have piled up, and he doesn't know where to start.
A man about to step onto a wobbly rope bridge over a creek
Quick fixes like payday loans or a higher credit limit can make things worse.
A kind counsellor and an older man talking at a round table with cups of tea in a community centre
Financial counsellors are trained professionals at not-for-profit community organisations. The service is confidential and you never pay.
The counsellor and the man sorting envelopes into neat piles together
They can help you work out a plan and talk to creditors, utilities and government agencies with you.
An older man on the phone on his back verandah
The National Debt Helpline is 1800 007 007, open 9:30am to 4:30pm, Monday to Friday.
The man walking along a beach at sunrise looking lighter and calmer
The earlier you ask for help, the more options you'll have.

The end

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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.

Information as at 27 October 2026. Sources:

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Every situation is different. 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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