How Sharon reduced her fortnightly repayments by $531 while working two jobs
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Sharon’s story
Sharon
New South WalesWhen Sharon started to suffer financially due to the increased cost of living, she had to choose between basic living expenses and paying her debts. Despite working two jobs as a Registered Nurse and a cleaner, she still couldn't make enough to cover her everyday expenses and financial obligations. Her debts—which included credit cards, an ATO debt, and various Buy Now Pay Later accounts—totalled over $33,000 across eight different creditors. Exhausted from the struggle, she reached out to Revive Financial. We helped her secure a much more affordable fortnightly payment through a Part 9 Debt Agreement.
Age
56 years
Employment status
Full-time employed
Location
New South Wales
Household type
De facto, no dependents
Employment
Registered nurse / cleaner
The challenge
Despite working two jobs, the rising cost of living left Sharon trapped in a stressful cycle, forcing her to choose between paying for basic necessities or servicing her debt.
Cost of living pressures
Increased daily expenses meant Sharon’s dual income was no longer enough to cover the basics alongside her debt obligations.
Compounding expenses
Debts quickly accumulated across credit cards, the ATO, and Buy Now Pay Later services.
Multiple creditors
Managing payments across eight different accounts (including Plenti, Zip, Kogan, Afterpay, and CCFS) became an overwhelming administrative burden.
Unsustainable repayments
Her required minimum repayments had reached a crippling $791 per fortnight, making it impossible to get ahead.
The solution
Comprehensive financial assessment
Practical guidance
Tailored solutions
Complete transparency
Why this approach worked
Getting started is easy and straightforward
Drastic repayment reduction
By establishing a Debt Agreement, we successfully reduced Sharon’s fortnightly obligations by $531. Dropping her payments from $791 to an affordable $260 instantly freed up vital cash flow for her essential living expenses.
Simplified financial management
Instead of juggling eight demanding creditors and Buy Now Pay Later accounts while working two jobs, Sharon now makes a single, affordable payment under one manageable plan, entirely removing the stress of falling behind.
The result
Sharon successfully executed a Part IX (9) Debt Agreement, experiencing immediate financial relief and peace of mind. The outcome eliminated the stress of choosing between groceries and bills, lowered her total debt, and provided a realistic, stress-free framework to become debt-free in three years.
Halving family credit debt
When John’s health left him unable to work, the family relied on credit cards to survive, accumulating over $70,000 in debt. Unable to refinance their mortgage, we helped them establish a Part 9 Debt Agreement. This reduced their total debt by 55% into a single affordable monthly payment, ultimately saving their family home.
Protecting the family home
When serious health complications forced Mark to reduce his working hours, medical costs piled on top of his mortgage and family expenses, leaving him with over $46,000 in debt across four creditors. Worried about losing his home equity, we set up a Part 9 Debt Agreement to consolidate everything into a single affordable payment, reducing his total debt by $17,000 and protecting his family home.
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Helping everyday Australians
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What our customers are saying
Very helpful and eased a lot of my financial stress
The folks here have been very helpful. I couldn't be happier.
Thank you to Sarah who was amazing through the whole process
The stress lift was instant, the only mistake was me , i should have reached out sooner , life changing . THANK YOU THANK YOU
All relativlly smooth
Revive Financial are a professional company, providing excellent services and advice. Their staff are friendly and providing excellent financial reviving services.
Revive financial were magnificent in the way that they were able to sort everything out for me and all the support and help throughout. If you ever need assistance please I thoroughly recommend them.
Amazing customer service and made the whole situation so easy for me, do reccomend
I found the process a bit overwhelming but was put at ease, with the service I received. I thought it would be a difficult process but with a lot of guidance and patience from Revive the overall experience was great.
I honestly can’t thanks Cloe night, she was patient, caring and thorough. I felt supported and that she really cared! This has changed my life, I no longer have the stress of where I will find the money to pay my debts! Thank you from the bottom of my heart 🙂
Sarah has been very helpful and quick with responding great to work with
I cannot thank Revive financial enough for their life changing help. From the very first phone call, Nick Smith was incredible empathetic , patient and professional. They took away the crushing weight of my debt and made me feel cared for rather than judged. Highly recommended Revive financial and Nick Smith😊
Really positive experience. Very helpfulful and my many question were always answered very fast
I can’t recommend Revive highly enough. Before contacting them, I felt like I was drowning in debt and had no idea where to start. The stress was overwhelming, and I was embarrassed about my situation. From the very first conversation, the team made me feel comfortable and never judged me. They explained everything in simple terms and made the whole process incredibly easy to understand. What I thought would be complicated and stressful turned out to be straightforward and manageable. The biggest surprise was how quickly the weight started to lift off my shoulders once I had a plan in place. The process wasn’t embarrassing at all—in fact, it was a huge relief talking to people who genuinely wanted to help. If you’re struggling with debt and feeling overwhelmed, don’t put it off. Reaching out to Revive was one of the best decisions I’ve made
Cloe was amazing
Staff are friendly and very helpful. Got me through a tough financial time …. Highly recommended
Outstanding Customer Service
Mason was incredibly amazing and so understanding. It made everything go so much smoother
They are fantastic to work with. Efficient and professional with caring about your situation. Every step of the way is explained and you feel like you're able to breathe again. Great 👍
