<?xml version="1.0" encoding="utf-8"?><sidenav>
	<section id="working-with-money" file="working-with-money.cfm" title="Working with Money">
		<page file="money-matters-are-family-matters.cfm" title="Money Matters are Family Matters" />
		<page file="how-and-when-should-i-talk-with-a-family-about-their-money-and-where-it-goes.cfm" title="How and when should I talk with a family about their money and where it goes" />
		<page file="do-my-values-and-attitudes-about-money-show-when-im-talking-money-matters-with-families.cfm" title="Do my values and attitudes about money show when I’m talking money matters with families" exclude="au" />
		<page file="what-about-my-own-money-management.cfm" title="What about my own money management" />
		<page file="how-do-i-handle-ethical-dilemmas-about-a-familys-money-choices.cfm" title="How do I handle ethical dilemmas about a family's money choices" />
	</section>
	<section id="assessment-and-action" file="assessment-and-action.cfm" title="Assessment and Action">
		<page file="addressing-money-management.cfm" title="Addressing Money Management" />
		<page file="doing-a-budget.cfm" title="Doing a Budget" />
		<page file="planning-financial-issues.cfm" title="Planning financial issues" />
		<page file="managing-credit-and-debt.cfm" title="Managing Credit and Debt" />
		<page file="housing-problems.cfm" title="Housing Problems" />
		<page file="referral-to-a-financial-counsellor.cfm" title="Referral to a Financial Counsellor" />
	</section>
	<section id="addressing-life-changes" file="addressing-life-changes.cfm" title="Addressing Life Changes">
		<page file="understanding-centrelink.cfm" title="Understanding Centrelink" />
		<page file="paying-tax.cfm" title="Paying Tax" />
		<page file="coping-with-separation.cfm" title="Coping with separation" />
		<page file="consumer-protection.cfm" title="Consumer protection" />
	</section>
	<section id="how-to-plan" file="how-to-plan.cfm" title="How to Plan">
		<page file="identifying-small-savings.cfm" title="Identifying small savings" />
		<page file="baby-bonus-and-ftb.cfm" title="Baby Bonus &amp; FTB" />
		<page file="best-ways-with-whitegoods.cfm" title="Best ways with whitegoods" />
		<page file="getting-the-best-loans.cfm" title="Getting the best loans" />
		<page file="planning-for-special-events.cfm" title="Planning for special events" />
		<page file="managing-communications.cfm" title="Managing communications" />
		<page file="superannuation.cfm" title="Superannuation" />
	</section>
	<section id="community-resources" file="community-resources.cfm" title="Community Resources"></section>
	<section id="who-to-contact" file="who-to-contact.cfm" title="Who to Contact"></section>
</sidenav>

