s WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

  • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
  • If you are on government benefits, ask if you can receive an advance from Centrelink:

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009


Are you experiencing a high electricity bill ? Well your not alone plenty of Australians are feeling the high electric bill pinch! With some customers turning to cash loans to pay their bills, there needs to be some better strategies for customers than more debt!

With our continually increasing electricity bills, that we are all receiving many of us are asking, “Why is my electricity bill too high?”

Here are some questions you can ask before you speak to your electricity supplier for some answers.

  • What is a normal electricity bill? If it is the electricity bill that has increased you will be able to see what increases your company has charged.

You need to look at the kwh or amount of electricity you have used compared to your last electricity bill.

  • How much electricity do you use and what is normal for your electricity bill ? Look back at your bills and compare what is a typical or normal electricity bill for your family and then compare it to the current electricity bill.
  • How do we keep our electricity bill costs down?
    1. Make sure the electricity bill you are receiving is correct?
    2. Could there be something wrong with your meter or that the meter could have been read incorrectly?
    3. If your meter matches your electricity bill and you haven’t been over charged then you should check if your meter is working correctly. You may need to call an electrician to ensure your electricity is wired up correctly.
electricity bill

electricity bill


Saving money on your electricity bill can be a simple matter of being more aware of your household electricity habits.

Here is a checklist that may help when trying to save money on your next electricity bill :

  • Is your air conditioning (summer) or heating (winter) been used more than needed? This can significantly increase your electricity bill?
  • Older appliances can suck more energy than newer appliances as companies are now making appliances to meet consumer requests of energy efficiency.

Servicing older appliances to ensure they are working correctly is a good idea.

  • Has the dynamics in your house changed? Is there more people using the electricity, showering or home at different times of the day etc.?
  • Check whether your electricity bill company has done an estimated reading.

You can find this on the back of your bill under pricing calculations labeled “estimated reading”.

An estimated reading is done when the reader cannot access your meter or if there is a technical issue.

There may be a variation charge or refund after an estimated read once it has been followed by an actual read.

You can be credited if you have used less or billed if you have used more.

  • You can also check your energy reading is correct by comparing the amount under “current reading” on your electricity bill to your meter.
  • Conduct your own electricity bill audit by checking the amount of days you have been billed to the actual amount of days in the month or billing period.
  • Are you eligible for any discounts or rebates? Double check that these have been applied.

Therefore, when it comes to saving money on your electricity bill you need to ensure that your meters are working correctly and is being read correctly by keeping your own log to compare to our bills.

This way we can decipher whether it is our end that needs to be more energy efficient or whether the electricity company needs to readjust their practices.