Pepperoni, pineapple and Payments - How do you serve your budget pizza?

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4 September, 2019

Imagine that you have invited 10 guests for pizza night. You go to the freezer, take out a pizza and look at the box, it says Serves 8. Your stomach drops, you don’t have enough pizza. What do you do?

You think, ‘I can make this work’. You cook the pizza, take it out to the table and start to slice. The pieces are all different sizes. You cut 9 slices and realise there is not enough pizza. You are willing to miss out, but one of your guests is going to miss out too. Who will it be?

You start to pass the slices around the table. Some of your guests are pleased with their slices, others are confused. One guest bangs their fist on the table demanding more pizza because they didn’t get enough. One guest snatches another guest’s slice before it can be placed on the table. The guest who doesn’t receive a slice just sits there staring at you, the following day they text you demanding 2 slices the next time they see you. 

Your guests are like creditors. 

Creditors are expecting a certain amount from you each week, fortnight or month and if they do not get this amount and you do not explain why, things can get messy. 

The important thing to know about creditors is that they understand there are times when you do not have enough to go around. Creditors have trained teams of people to assist when this happens. Therefore, it is important to be up front and honest with your creditors about what has changed and how this change has affected your circumstances. 

Do not hesitate. There are more options available to you, the sooner you take action. 

If you would like to speak to a Financial Counsellor to discuss your options further, call the National Debt Helpline on 1800 007 007 or search for the National Debt Helpline on the Affordable SA App.

By Sam

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Help for energy consumers in hardship

Need help to pay your electricity or gas bills?

You have rights.

Stronger protections are now available to households having trouble paying their energy bills. The Australian Energy Regulator has taken action to assist vulnerable customers experiencing payment difficulties by introducing an enforceable Customer Hardship Policy Guideline.

Energy retailers have important responsibilities in helping vulnerable customers. The Guideline requires energy retailers to provide consistent minimum standards of assistance, ensure hardship programs are easily accessible and put processes in place to identify customers who may need help.

Customers participating in a hardship program will get access to different payment options, help finding a better energy plan, tips on energy efficiency, and information about government concessions, relief schemes, energy rebates and financial counselling services.

Other help may also be available – All energy providers have a hardship policy that tells you how they can assist you if you are having trouble paying your energy bills due to hardship. You can find it on their website or ask them to post you copy.

If you are in a hardship program and meetings its conditions your energy provider cannot disconnect you.

If paying your utility bills is a struggle call your energy retailer and talk to them about your situation, you may be surprised by the help that is available.

For more information, visit the Australian Energy Regulator’s website at [](

When life is tough call Affordable SA 1800 025 539 or visit []( or download the app AffordableSA for free, confidential and independent support to 'get in the know' with services that can best help you.