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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So efficient, my adviser Joseph listened with empathy and helped me greatly with his advice and knowledge. Highly recommended to help anyone having difficulty with their financial troubles.
Revive Firnancial have been really helpful. I was going down the drain towards the big flood when Rivive came in to help with my loans and dont know how I was gonna thank them. Thank you.
Sharon helped me tremendously and I'm great full.
revive fanancial is a great company to help put all debts into the one repayment. They are friendly and fast acting if any questions through the process. Very helpful company to deal with. Highly recommend them
I cannot thank Georgia at Revive Financial enough for her help. She was incredibly understanding, empathetic and attentive throughout the entire process, while also being so efficient and quick to get everything moving. Having my debt consolidation approved has taken such a huge amount of stress and pressure off me, and Georgia made what could have been an overwhelming experience feel simple and manageable. I’m genuinely so grateful for her support and the way she handled everything. Thank you so much, Georgia!
Very professional and amazing service helped me beyond my expectations
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I have had great help and support through the whole process so far
Revive Financial changed my life. I consolidated my debt, paid it down and now I’m debt free. Revive were easy to deal with, and even when there was an issue, a rep called me swiftly and we got it sorted.
Excellent communication, fast and excellent results,
Sarah has been so helpful with the process of my application. I
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