Financial Counselling and Support

Moneysmart – Cost of living help

Practical cost‑of‑living help with Moneysmart’s tools, calculators and tips. Help to create a budget, tips for saving money and where to get help.

Suggestions and links to help you cut expenses, manage your budget and find support.

  • Where to get started
    • how to do a budget, including planners and tools
  • Ways to save, such as:
    • home loans
    • credit cards
    • other debt
    • insurance
    • utilities
    • groceries and petrol
    • mobile phone plans
    • income tax
    • government assistance
  • Where to get help, including:
    • financial counselling
    • free legal advice
    • urgent help with money
    • problems paying bills
    • First Nations services
    • early access to super