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Discover Jacaranda Finance



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Quick Turnarounds & Decisions
$300 $4600
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Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%). Click here to see a worked example.

The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Click here to see a worked example.

If you’re living on a tight budget, these tips are for you.

We can all feel the stretch when it comes to money once in awhile.

Some months are simply better than others, based on our jobs, unexpected expenses, etc.

But, the best thing you can do to stay afloat, and even ahead of the game, is to work out a budget for yourself, no matter how small or tight it may be – it doesn’t have to be that way forever!

It’s smart planning and financial responsibility that will help that budget to grow, save you money, and allow you more comforts and fun purchases over time.

money solutions

Check out a few of the following tips on how to save money when you’re living on a tight budget:

1. Have a purpose behind your budget. If you know what you’re saving for, and why, you’ll be less likely to go off budget, splurge on something, etc. Keeping the big picture in mind can work wonders (maybe a big trip or the latest TV).

2. It’s always a good idea to get rid of credit cards when you’re on a tight budget, especially if you know they can lead you to overspending. Unfortunately, many people use credit cards as some kind of ‘free money,’ paying off the minimum amount necessary each month. This can lead to debt that is extremely hard to climb out of. Instead, avoid the temptation altogether, and get rid of the cards.

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3. Not sure you’ll be able to consciously put aside money each month to save? Do it automatically! Many banks will work with you to make automatic deposits into a savings account each month.

4. When you’re on a tight budget, it’s important to shop smarter. Look for deals, sales, coupons, etc. Your lifestyle may have to change when you’re on a slimmer budget, and it’s something that takes a bit of adjustment over time, but after awhile you’ll likely find yourself being more creative with things like food, clothing, luxuries, etc. They will mean more to you, and chances are, you’ll appreciate them more.

Living on a tight budget isn’t always easy, but it’s more common than you may think. If you need to save up money for a big purchase, or just need to tighten things up in order to feel comfortable, take the previous tips into consideration.