Losing a job is stressful enough without a pile of confusing debt advice on top of it. Money Haven exists to cut through the noise. We explain the real options Australians use to manage and pay down debt after a layoff — balance transfer cards, debt consolidation loans, budgeting apps and free financial counselling — in plain English, with the trade-offs spelled out honestly.

We don't rank fake five-star products or push whatever pays us most. These educational explanations are not a recommendation to take out credit or select a product. We do not assess your circumstances or eligibility. Links below lead to free, non-commercial resources rather than paid product referrals.

This is general information for Australian consumers, not financial advice. Your circumstances are unique — always verify current terms and consider speaking with a free financial counsellor (dial 1800 007 007, the National Debt Helpline) before making big decisions.

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