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Managing your Finances

If you are experiencing financial hardship due to the Corona virus pandemic, first contact your bank for mortgage and credit card repayment difficulties. If you have a problem with paying your rent, contact your landlord. The following organisations can offer help with financial matters:

Financial Debt and Insurance Matters

National Debt Helpline

The National Debt Helpline offers free legal advice and financial counselling to help you manage your financial difficulties and disputes.


Phone 1800 007 007 Monday to Friday 9.30am to 4.30pm
Phone 131 450 for an interpreter service
National Relay Service Voice 1300 555 727 or SMS 0423 677 767 or TTY 133 677

National Debt Helpline website

Mob Strong Debt Help

Mob Strong Debt Help is a nationwide free and confidential legal advice service for Aboriginal and Torres Strait Islander Peoples experiencing debt and insurance problems. Phone lines operate Monday to Friday 9.30 am - 4.30 pm.


Phone 1800 808 488

Mob Strong Debt Help website

Care Financial

Care Financial offers free, independent and confidential financial and counselling services to help people with their financial situation after they have experienced debt, budgeting, and gambling issues.


Phone 6257 1788

Care Financial website

Insurance Law Help Line

The Insurance Law Service offers free advice about building, contents, consumer credit, life, funeral, pet, income protection, superannuation, travel and car insurance problems.


Phone 1300 663 464 Monday to Friday 9.30am to 4.30pm
Phone 131 450 for an interpreter service
National Relay Service Voice 1300 555 727 or SMS 0423 677 767 or TTY 133 677

Centrelink Matters

Social Security Law

Social Security Law can help you with Centrelink problems including appealing a decision, entitlements, over or underpayments, debt recovery and suspended or cancelled payments.


Phone 6218 7900
Phone 131 450 for an Interpreter Service
National Relay Service Voice 1300 555 727 or SMS 0423 677 767 or TTY 133 677

Social Security Law website

Economic Justice

The Economic Justice website has factsheets on common Centrelink problems such as Centrelink debts, income reporting, disability support pensions and how to appeal a Centrelink decision for your information.


Note Economic Justice does not provide legal advice.

Economic Justice information sheets

Financial Planning and Budgeting Matters

Moneycare Financial Counselling

Moneycare counsellors can give you free personalised advice on your current financial situation, and help you with budgeting skills to avoid financial problems in the future. Counsellors operate from several ACT Salvation Army locations.


Phone 1800 722 363

Moneycare Financial Counselling website

Balance Aged Care Specialists

Balance Aged Care Specialists are a privately owned financial company based in the ACT. They can help clients with financial planning during the later stages of their lives. They specialise in financial planning for aged care, retirement villages and private home care, and estate management.


Phone 1300 556 287

Balanced Aged Care Specialists website

Financial Information Service

Services Australia runs the free Financial Information Service to help older Australians make choices about money. Their advisers can help you make informed decisions, and help you understand the long term consequences of your decisions.


Phone 132 300

Financial Information Service website

Money Smart Budget Planner

Money Smart’s budget planner gives you easy steps to plan and manage a budget. Money Smart also provides an online budgeting template to help you work out where your money is going and tips on how to manage on a low income.

Moneysmart website