Manage your money and debts

Help to set up a budget, reduce your debt or plan for the future.

If you need help setting up a budget, reducing your debt or planning for the future, there is information available for you.

What help is available

Moneysmart and The National Debt Helpline provide free information to help you make informed decisions about your money and manage your debts. These links will take you away from myGov.

Losing your job
Specific information to help cope with being unemployed and find financial help.
Budget planner
The Budget planner can help you see where your money is going and manage conflicting demands.
Problems paying your mortgage
Information on applying for a hardship variation and discussing financial struggles with lenders.
The National Debt Helpline
Offers free financial counselling to help you tackle debt problems.

Further help from Services Australia

If you already get payments to help your financial situation, Services Australia can offer further help.

Some of these links may take you away from myGov.

Rent Assistance
You can get this payment if you pay rent and get certain payments from Services Australia.
Centrepay
A free and voluntary service to pay bills and expenses as regular deductions from your Centrelink payments.
Early release of superannuation
If you’re in severe financial hardship, you may be able to access your superannuation early.
Centrelink debts and overpayments
Information to help you avoid being overpaid or to manage money owing for a Centrelink debt.
Enhanced Income Management and SmartCard
Enhanced Income Management helps people on income support payments to meet essential household needs like food, rent and bills.

Page last updated: 10 April 2024

Manage your money and debts

What help is available

Further help from Services Australia

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