Let me level with you -
I get hundreds of questions each week, but I can only answer a few — so there’s a pretty good chance I might not be able to respond to yours.
So if you need help, your next step shouldn’t be just sitting around waiting for me to answer your question — you need to seek personal advice.
If you’re in hardship, that may be free:
Call the National Debt Helpline on 1800 007 007 and talk to or set up an appointment with a community based, not-for-profit financial counsellor.
They’re free, they’re confidential and they’re the unsung heroes of the financial world.
Otherwise, the best investment you can make right now is to pay good money for good financial advice. Contact your super fund, or the financial planning association.