Financial hardship

There are also a number of support services and advice available to people who may be concerned about paying bills or budgeting:

Talk to your creditors

If you are having trouble staying on top of your debts and bills, start by contacting your bank, utility or phone provider and let them know you are experiencing hardship. Talk to them about adjusting your loan or bill repayments to a more manageable arrangement. Tips on how to start talking to your credit providers are available from Money Smart.

Stay connected

If you are finding it hard to pay your phone or internet bill, see the Australian Communications Consumer Action Network site for information.

See a Financial Counsellor

Financial counsellors provide free, independent and confidential advice on credit and debt issues. They are trained professionals and can help you negotiate with creditors as well as provide information, support and advocacy to people experiencing financial challenges. Visit the National Debt Helpline.

Other Free Financial Counselling Services:

• Salvation Army Money Care Service, phone 1800 722 363
• Lifeline Financial First Aid Line, phone 1800 007 007

Support services and assistance is available:

• Assistance for employees ( 115.4 KB)
• Assistance for employers ( 106.9 KB)