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Self Help Tools

financial self help tools

Animated banner of clouds and text - Living week to week? Frustrated by your finances? There is help available. Better outcomes are achieved with early action. Unsure where to start? View the links below.

Survey Button - Please fill out our 1 minute anonymous surveyAre you finding your finances are getting tight?   Investigating all your financial options and taking action early, is the most important factor in achieving your future goals.

This web page is designed to provide information and tools to assist you to "take action early". It is a joint initiative of The Salvation Army and Westpac, building on our relationship of working together to support the community.

Included in this page is a link to a survey ? help us to keep improving this site. 

Need Help With You Banks? Blue heading and interested young women

Talk to your Bank. There are a variety of options available;
Contact details for all Bank websites Services and banking options.

Assistance programs for financial hardship;
Need help right now? Bank Financial Hardship Contacts *

What can my Bank do? *

7 common problems *

Recognise the early warning signs of financial hardship *

* Information provided by the Australian Bankers' Association Inc.

Need Help With Your Water, Utility or Phone Company? Blue heading

Electricity, water and gas costs form a large part of household bills.
Free independent information is available to assist you.
Energy and water fact sheets for each state

Telecommunication companies have hardship programs that may be helpful.

Handy links to telecommunications hardship lines

Tools and Resources


Partnering with The Salvation Army to develop Financial Self Help Tools.

Westpac Davidson Institute Free budgeting guide

Financial hardship

Good money habits

Planning for positive cash flow  (Business Customers)

Budget Tools

Budget planning  (MoneySmart - ASIC)

Online assessment tool  (DebtSelfHelp - FCA)


Financial calculators  (MoneySmart - ASIC)


Other resources  (DebtSelfHelp - FCA)

Debt Collecting

Dealing with debt collectors: Your rights and responsibilities  (MoneySmart - ASIC)

Free Independent Information

Financial Counselling Australia (FCA) provides access to financial counsellors who provide a free independent and confidential service.
What is a financial counsellor
Find a financial counsellor Call early as waitlists may apply.

You may be entitled to Government payments you are not aware of -
Centrelink See Payment Finder.

Find Unclaimed Money Simple search tools to find unclaimed money at ASIC.

Community Legal Centres Independent not-for-profit community organisations.

Consumer Action Law Centre - Fact Sheets Consumer Action Law Centre provides self-help kits on credit related topics, tips and traps ie.

Moneyhelp - tools-tips / credit-ratings 

Happy woman with blue heading - Other Resources


Doing it tough  Helpful Financial information from the ABA. (Australian Bankers' Association Inc)

MoneySmart  An initiative of the Australian Securities & Investments Commission (ASIC) offering you tips and tools to help you make the most of your money.

Debt Self Help  Financial Counselling Australia (FCA) developed this site to provide practical steps, tools and other information to help get your finances back on track.

MoneyHelp Free confidential and independent financial information for Victorians experiencing financial difficulty.

Affordable SA A free app for both iPhone and Android devices providing information, practical tips, and tools to help those living in South Australia manage the cost of living.

Doorways Financial Tools Survey Button                   



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