It's no secret that the cost of living is rising, and keeping up with all the expenses can be overwhelming. So if you're stressed, struggling with money and wondering what to do, you're not alone.
Whether facing a financial crisis or simply trying to make ends meet, we're here to support you. We understand that talking about your financial situation can be difficult, but this is a safe space where you can share your concerns.
Financial support services
🏢 Centrelink may be an option for you if you’re struggling financially, although we understand that it can be a difficult and overwhelming process. If you’re in a crisis, there are social workers you can contact to help you access the help you’re entitled to.
📞 National Debt Helpline can connect you with financial counsellors free of charge who can create a money plan with you and negotiate payment plans for electricity and other debts. It’s their job to listen without judgement and find solutions with you. You can contact them on 1800 007 007.
💸 No Interest Loan Scheme (NILS) is a lifesaver if you have some big expenses you can’t cover without a bit of help—items such as washing machines, fridges, car expenses and study costs. You can search for your local NILS provider here or call them on 13 64 57.
🔴 Salvation Army Assistance Line is available for people struggling to afford necessities such as food, travel, and medication. You can call 1300 371 288 for an eligibility assessment or contact your state's team, read more here.
🔵 St Vincent De Paul provides financial assistance, furniture, clothing and food hampers. They provide different types of support depending on your location, and you can see what’s available in your state using their search engine here.
📱AskIzzy is a national directory of all the support services available in your local area. Plenty of small community centres are doing their part to help people keep their heads above water. I recommend clicking “Food” or “Money help” and entering your postcode to find help in your area.
MoneySmart Guide
My name is Heidi, I work at the Australian Securities and Investments Commission (ASIC) 
Moneysmart is a free and independent site that provides up-to-date and relevant financial information, designed to be a starting point for people when making financial decisions.
Managing your money can be stressful at times, but not paying attention to your money can make matters worse. If you or someone you know is struggling with finances, here are some steps you can take:
- Get to know your money Moneysmart’s Budget planner can help you see how much money you have coming in, how much you’re spending and where you could cut back.
- Make yourself a money plan Taking control of your money can feel really empowering. Get into the habit of tending to your finances regularly, making sure you have enough to cover bills and unexpected costs. You might be able to set aside some money for savings every week or pay down a regular portion of your debts if you have them. Download our step-by-step guide Managing your money.
- Get help if you need it Speaking to a financial counsellor is free and confidential and can help you sort through your money challenges The earlier you seek help and get back on track, the better. The National Debt Helpline 1800 007 007 is open from 9.30am to 4.30pm, Monday to Friday or you can find a financial counsellor on Moneysmart.
- Talk about money with someone you trust Just like mental health, there can be a lot of stigma and shame around challenges with money. Talking about the challenges you face with the trusted people in your life can be a great support. You can call Beyond Blue on 1300 22 4636 or Lifeline on 13 11 14 for immediate support.
