Financial Recovery Resources
Navigate your path back to stability with practical materials designed for real situations. No jargon, no empty promises—just straightforward guidance you can actually use.
Find Your Starting Point
Different challenges need different approaches. Here's how to figure out where you are and what makes sense next.
Immediate Crisis Mode
When bills are overdue and you're fielding calls from creditors daily.
- List everything due in next 14 days
- Identify which debts have legal consequences
- Contact essential service providers first
- Document all communication attempts
- Consider payment arrangement options
Managing Multiple Debts
You're keeping up, but it feels like you're barely treading water.
- Calculate total debt-to-income ratio
- Map out interest rates across accounts
- Identify consolidation opportunities
- Review unnecessary recurring charges
- Build a realistic repayment timeline
Rebuilding After Setback
You've stabilised things and now you're looking to actually move forward.
- Check credit report for accuracy
- Set up automatic savings transfers
- Create three-month expense buffer
- Research credit rebuilding strategies
- Plan for future income disruptions
Quick Wins That Actually Work
Small changes that can make a real difference in your situation right now. These aren't magic solutions, but they're practical steps that help.
The 48-Hour Rule
Before any purchase over $50, wait two days. You'll be surprised how many "needs" turn out to be impulses.
Negotiate Everything
Insurance, utilities, subscriptions—most companies have retention departments. A ten-minute call can save hundreds annually.
Track One Month Properly
Use your phone to photograph every receipt for 30 days. Seeing where money actually goes beats any budget template.
Automate The Basics
Set up automatic transfers to savings on payday. Even $20 weekly builds a buffer faster than you'd think.
Essential Reading Materials
Downloadable guides and worksheets you can use right away. Written in plain language for people dealing with actual financial pressure.
Complete Debt Negotiation Guide
Step-by-step instructions for talking to creditors, what to say (and what not to say), plus sample scripts that have worked for others. Updated for 2025 Australian regulations.
Emergency Budget Template
Bare-bones spreadsheet for when you need to prioritise essentials. Includes typical Australian household costs and space for your specific situation.
Creditor Communication Log
Keep track of every call, email, and letter. Crucial if things escalate or you need to dispute charges later.
Rights and Responsibilities Checklist
What debt collectors can and can't do in Australia. Know your protections before you're on the phone with them.
Income Maximisation Worksheet
Systematic review of potential income sources, government support you might qualify for, and overlooked entitlements.
Learn From People Who've Been There
Our contributors have walked this path themselves before working in financial recovery. They understand the stress because they've lived it.
Torben Lindqvist
Debt Restructuring Specialist
Spent three years rebuilding after a business failure in 2018. Now helps others navigate the same terrain with realistic strategies.
Siobhan Callaway
Budget Planning Expert
Worked her way out of $45K in combined debt over four years. Specialises in making tight budgets actually liveable.
Vesna Ruiz
Credit Recovery Advisor
Rebuilt credit from 480 to 720 after medical bankruptcy. Focuses on practical steps that actually move the needle.
Ready to Start Your Recovery Journey?
Our comprehensive learning programme runs twice yearly, with the next intake opening in September 2025. Six months of structured support to help you build lasting financial stability.
View Programme Details