Debt management/
debt reduction

Step Up Debt management

Have you found yourself in some serious debt? Struggling with debt management?

First of all, take a big breath and realise that you’re not alone.

Collectively, Australians owe more than $45 million in credit card debt alone, and one in six are struggling to repay it.*

The problem with credit cards, rent-to-buy, no-deposit, after-pay and all of the other schemes available is that they’re all high-interest finance – some of the most expensive finance there is.


On top of this, the contracts are usually laden with hidden fees and charges. So, once you miss a repayment or two, it’s not difficult (or uncommon) to hit a downward spiral.

It can be hard to recover from. And it can be overwhelming. The good news is, there is a way out.

There are numerous debt management strategies available, but one of the most common is debt consolidation – rolling all your debts into one single, less expensive personal loan, which means one simple monthly payment that’s easy to keep track of, and which should reduce your re-payment amount, too.

But specialist help is needed, and at Step Up Financial Group, our team of financial planners has the expertise you need…

Repaying debt

…especially if your credit rating is sliding.

Under Australia’s new Comprehensive Credit Reporting Scheme, it’s really important to have a good track record of repaying your debt, because a bad credit rating can affect your chances of borrowing in the future.

And, because here at Step Up we’re always looking at the bigger, long-term picture, we can help you set a realistic budget, put mechanisms in place so you don’t fall back into the debt trap and coach you every step of the way.

What does a financial planner do?

As fully qualified, experienced financial planners, we’re able to help with debt management strategies. We also provide financial services, including advice on:

And we encourage your pathway based on your own individual circumstances and values.

Are you ready to Step Up and take control of YOUR financial future?

Using the Step Up Financial Process, we help you launch the plan that will grow your wealth, protect your wealth and keep you in control.

Step up and take control of your financial future by contacting our local team of experienced financial planners today.

*Source ASIC 2018

Need more information? Get in touch with Step Up Financial

    • 107 Moulder Street,
      Orange, NSW 2800

      PO Box 2499
      Orange, NSW 2800

    • (02) 6362 5445