Financial troubles
Did you know that financial counselling can help reduce stress? Contact Moneycare to find out more.
In today’s world, financial problems can affect anyone.
The Salvation Army offers a range of support options to help with financial difficulties, depending on the nature of your problems.
Moneycare
The Salvation Army's Moneycare is a free and confidential financial counselling service for people facing financial difficulties or wanting to avoid financial difficulties in the future. Staff are able to help with a range of issues including budgeting, credit, debt and repossession. Find a Moneycare location near you, find out more about Moneycare or visit www.moneysmart.gov.au for calculators and tips to help you make better financial decisions.
Community Services Centres
Our network of community services centres nationally also provide limited practical assistance for low-income families and individuals who are struggling to make ends meet.
To access support, contact your nearest community services centre and make an appointment. You will be assessed according to need and the resources available at the centre. Please be aware that demand for these services is much greater than our ability to respond.
Community Services assistance may include:
- Cash/ cheque
- Food vouchers or parcels
- Toys and food hampers at Christmas
- Clothing, furniture and other household items
- Accommodation
- Housing costs
- Electricity, gas, rates and other bills
- Public transport fares
- Medical and educational expenses
No Interest Loans Scheme (NILS)
What is NILS about?
The aim of our no interest loan program is to provide loans
to people in need on low incomes who are unable to qualify
for other affordable loans. The overall aim is to improve
the quality of life, health and well being of individuals and
families.
No interest loan schemes rely on the repayment of loans
to continue to be of service to other members of the
community.
How do I qualify?
You need to be on a low income e.g. receive a Centrelink
payment, holder of a Health Care card or have a low
household income from wages. Exceptional circumstances
can be considered.
What can loans be used for?
Loans may be used to purchase essential household and
personal capital items e.g.
- refrigerator/freezer
- bed/mattress
- computer
- washing machines
- clothes dryer
- microwave oven
- vacuum cleaner
- medical and dental equipment or aids or
- energy efficient appliances.
Loans may also be used to pay for urgently needed matters such as vehicle repairs and medical and dental procedures.
What can’t loans be used for?
Loans cannot be used for the repayment of current bills
or debts and cannot be paid to the applicant directly.
They also cannot be used for bond and rent money, rent
arrears or living expenses such as food.
For more information call or visit one of the following Moneycare Centres below, or download our information brochure.
Newcastle
Newcastle Community Welfare Centre
96 Parry Street, Newcastle West, NSW, 2302
PO Box 2364, Dangar, NSW, 2309
Contact: Warwick Mears
Phone: 02 4929 2300
Auburn
Auburn Community Welfare Centre
5-7 Mary St, Auburn, NSW, 2144
PO Box 342, Auburn, NSW, 2144
Contact: Maggie Ingham
Phone: 02 9749 7150
Wollongong
Illawarra Community Welfare Centre
29 Ellen Street, Wollongong, NSW, 2500
PO Box 6102, Wollongong, NSW, 2500
Contact: Allison Jones
Phone: 02 4225 1372
Surry Hills
Sydney Streetlevel Mission
Derby Lane (off Albion Street), Surry Hills
339 Crown Street, Surry Hills, NSW, 2010
Contact: Melody Pascoe
Phone: 02 9380 2882