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
Awesome service and very helpful throughout a stressful process but they help you through every step with great communication and service. Highly recommend
Revive helped me navigate one of the hardest points in my life financially. I love that you connect with an agent and you only speak to them. Kylie has made getting my life back so easy and pain-free. I honestly can't speak highly enough.
Good explination Straight forward Friendly Overal lovely experience
⭐⭐⭐⭐⭐ I can’t thank Revive Financial and especially my consultant enough for the support and guidance throughout my Debt Agreement. From the beginning, the process was explained clearly and I always felt like I had someone there to answer my questions and help me through what was a very difficult financial period. The communication, professionalism and understanding I received made such a stressful experience feel much more manageable. Today, having made my final payment and officially completed my Debt Agreement, I feel an incredible sense of relief and achievement. It’s a huge weight off my shoulders and feels like a fresh start financially. I’m extremely grateful for the assistance I received from Revive Financial and would happily recommend them to anyone who may be struggling financially and needs someone supportive and understanding to help them get back on track. Thank you again for helping me get to this point. 5 stars without hesitation! ⭐⭐⭐⭐⭐
Incredibly supportive, friendly and helpful team who remained transparent about my current position. I would highly recommend and I appreciate their excellent skills and dedication. They helped relieve me of the worries and pressures debt can have, giving me incredible financial freedom again.
I was desperate. I had made major mistakes with my finances and didn’t know where to turn. Then I read online about Revive. I rang, filled out the documents, talk to Sonia and things looked brighter – there could be a way out of the mess I had got myself in. Over the weeks Sonia was incredibly positive, extremely capable and now the process is over. I’ve been told that things will be better, possibly even more positive than I could dream. Revive( especially Sonia) thank you. Hopefully life will be less stressful and happy because of you!!
Excellent service very professional and reliable
Mathew bell simply the best
Mathew was very helpful and laid things out in a really easy to understand way. I wasn’t treated as another number and received help without judgements and with patience, highly recommend.
I was well and truly looked after every step of the way and for that im forever greatful for this cheers Connie appreciate it alot.
Very personalised and professional assistance.
Very helpful and sincere
Hands down cant thank Sharon enough, done everything she could to help me in the right direction for something that would work and be beneficial
Nick.S was an amazing help. Pleasant and kind to deal with. I would recommend this company and Nick .S 💯
Thanks to revive financial for explaining how what they needed from me and how they could help me with my application I now have room to pay my bills on time
Yes. From the moment my debt payment plan was approved, my experience with Revive Financial has remained very positive. Their case managers understand the human side of financial hardship and are always considerate, supportive and willing to discuss alternative arrangements when needed. The flexibility and consistency of their payment arrangements gave me the opportunity to stay on track and ultimately pay off my debt. I genuinely appreciate the support I received and would highly recommend Revive Financial to anyone experiencing financial hardship and looking for a compassionate and flexible service. Keep It Up
Revive are very good to work with always ringing to find out or to tell me how things are going very easy to understand
