Affordable SA DIY Christmas Hamper

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25 November, 2019

When you scroll through the extensive list of Christmas hampers that are available online, it becomes extremely apparent that you have little to no choice about what brands or products go into each hamper.

Can you justify paying $30 or more each fortnight for a whole year for full priced items you did not choose yourself?

As an alternative option, we have put our thinking caps on to help you design your very own DIY Christmas hamper.

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Pay Day Loans during a Pandemic

Unscrupulous Pay Day Lenders have been caught out using the current global pandemic to market their products.

With many Australian’s facing ongoing financial uncertainty, some day pay day lenders have come to the party offering quick, short term loans to ease the financial stress brought on by COVID-19.

As a financial counsellor, this makes my skin crawl.

Along with paying back the original amount, pay day lenders also charge high interest rates, lender’s fees, defer payment fees, default fees, etc.

Within my role, I have seen pay day loans snowball into more than triple the amount originally borrowed.

If you are struggling financially and you need funds to pay for an expense, there are alternative options available.

Other options include:

- [NILS (No Interest Loan)](https://www.affordablesa.com.au/programs/money-and-finances/no-interest-loans-scheme-nils)

- [Speckle Loan](https://www.affordablesa.com.au/programs/money-and-finances/speckle-loans)

- [Step Up Loan](https://www.affordablesa.com.au/programs/money-and-finances/stepup-loan)

- [Household Relief Loan](https://www.affordablesa.com.au/programs/money-and-finances/household-relief)

If you are struggling to afford essential living expenses, it may also be worthwhile booking an appointment with a financial counselor to discuss your options. To book a free appointment, call the Affordable SA Helpline on 1800 025 359 or search for [Financial Counselling](https://www.affordablesa.com.au/programs/money-and-finances/financial-counselling-services) at the Affordable SA website.

For more information about how pay day lenders are targeting vulnerable Australians, see the attached article from ABC news.

By [Sam](https://www.affordablesa.com.au/team/sam)

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