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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Revive Financial gave me the opportunity to work toward financial freedom, and I truly appreciate all the support I received throughout the process. A special thank you to Francis Borinaga for your outstanding assistance with my account. Your help was greatly appreciated!
Easy deal with and explain everything very clearly and can contact easily with out having to wait hours or days for someone to get back to you. Would highly recommend if you are struggling or getting advise on what could be a good way for you to go.
> ⭐⭐⭐⭐⭐ I can't recommend Revive Financial highly enough. From the very beginning, the entire process was handled with professionalism, kindness, and genuine care. A special thank you to Tuanita Walsh, who has been absolutely amazing throughout my journey. She took the time to explain everything clearly, kept me updated every step of the way, and always made me feel supported rather than judged. During what was a very stressful time financially, her compassion, patience, and reassurance made such a difference. It's rare to find someone who combines professionalism with such a personal touch. Tuanita genuinely cares about her clients and goes above and beyond to make the process as smooth and stress-free as possible. Thank you, Tuanita, and the team at Revive Financial, for helping me regain control of my finances. I truly appreciate everything you've done and wouldn't hesitate to recommend your services to anyone needing financial assistance.
These people were my saviours. After a messy divorce and an ex who ran all the credit cards up, left me in despair financially. This organisation were amazing and helped me work through it all, I lost alot but slowly getting back on top.
Michelle was very helpful throughout the process. Explained and helped me in detail with calmness and politeness.
I'm very happy with the result and money I saved per week going with revive thankyou for the help
I can’t thank you guys enough for the great service that i have received from you guys and it’s been hassle free and you guys have given me the opportunity to change my life and have helped me out when ever there’s been a problem thank you and a special thank you to Steph mama you deserve a 5star review
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Joseph at Revive Financial was fantastic and understanding. I was battling Debt I could never seem to get on top off. My financial situation was dire with no near solutions. I can now see a much healthier and brighter financial future with the ability to save . This will change my life.
Very accommodating people really found a solution to all my problems
Team were amazing and patient throughout the whole process and made everything so easy. Really appreciate all their help and everything they are doing.
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Michelle has been absolutely wonderful throughout the entire process. She has been incredibly helpful, professional, and informative, always taking the time to explain everything clearly and answer any questions I had. Her patience, knowledge, and genuine care made what could have been a stressful experience so much easier. I truly appreciated her support and outstanding customer service. I highly recommend Michelle to anyone looking for someone who goes above and beyond. Thank you so much!
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Annika was absolutely amazing. She helped me through the process and explained everything to me. Annika has been keeping me up to date with all that is happening. I can’t recommend them enough.very happy customer
