Resolving financial difficulty

The thought of taking control of your finances can seem daunting, especially if you’re struggling with debt or just finding it difficult to make ends meet. There are a range of free services to help get your finances back in order.

The cost of living has crept up on most of us and what we could comfortably afford last month, might become a financial burden next month. The most important thing is not to bury your head in the sand and hope that things will improve. Financial counsellors help people, free of charge, who are in financial difficulty or who may shortly be facing money problems. They are based in every state and territory.

Financial counsellors will help you take control of your finances, get your debt to a manageable level and can refer you to support services, such as gambling, family or personal counselling.

For more information on how financial counsellors can help or where to find your nearest counselling organisation, visit the Australian Securities & Investment Commission.

The Australian Government funds community organisations to provide free financial counselling services to low income earners who are experiencing financial difficulties. Find out about the Commonwealth Financial Counselling Program (CFCP) and other financial counselling services, and see the directory of organisations providing CFCP services.

Centrelink’s Financial Information Service (FIS) offers counselling to help you manage your pension or give advice on how to plan for retirement or other life stages. For more information, visit