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Feeling worried about finances or debts?

Moneysmart's financial counselling The moneysmart website is run by the Australian government to help improve financial literacy across the nation. Financial counsellors are the experts in helping people who are experiencing financial concerns or debt, and there are ways to get free appointments depending on your region.The easiest way to connect to a financial counsellor is to call the national debt helpline (the number is 1800 007 007) and they’ll connect you to a local service. You can also read helpful articles about specific issues faced by many Australians

Explore Moneysmart's financial counselling

Make the most of your retirement income

Moneysmart retirement income estimation tool The government moneysmart website offers a number of useful articles and tools to help manage your finances as you head into retirement heading into retirement. This tool will help you estimate the amount you can get from your super and eventual pension. Click on the "Use or retirement planner" banner and fill out the form as best as you can to get an approximation of your retirement income.

Estimate your income here

Keeping track of your Superannuation

The ATO's advice on superannuation As a part of their mission, the ATO tries to ensure that Australians don’t lose their superannuation. If you’re unsure about the state of your super then this might be helpful for you.Click through and have a skim to see if any of the information is relevant to your situation

Keep track through the ATO

How does super work?

Moneysmart superannuation Superannuation—or ‘super’ as it tends to be called—is how Australians save for retirement. If you’re getting closer to retirement and still have questions, this should answer them for you. It’s on the government moneysmart websiteHave a read of the short articles that can answer any questions you may have, or watch the video for an overview of ‘what is super?

Read more about superannuation

Moving into a new rental property?

Rental checklist Before you rent a property you might want to read this checklist for new tenants, from the Queensland Rental Tenancies Authority.Click on the “checklist for new tenants” on the site. You may also want to look at their handy pocket guide for tenants in houses and units

See the checklist here

A checklist of who to contact following the passing of a family member

Contact checklist regarding the passing of a family member This is a template containing a list of important people and organizations regarding the death of a loved one provided by the Australian Government. Print off or use this list as a template in regards to the contact requirements of various services. Fill in the blank fields with the information that is relevant to you and use this as a guide, ticking off completed ones.

Follow the template to keep everyone informed

Recently went through a divorce and have to reorganise your finances?

Moneysmart divorce and separation financial checklist This is a list of practical steps to take following a separation from your partner. It will take you through the process of gathering all the necessary paperwork and identification while you reorganise your accounts and assets. Expand the categories in the checklist relevant to you and your situation and follow each item to aid in a clean and thorough separation.

Divorce and separation financial checklist

Has your partner recently passed away?

Moneysmart's guide following the passing of a family member The moneysmart website provides a number of financial steps to take immediately following your partner's death. It walks through how to cover the cost of a funeral, and evaluating your new financial position. Read through this article and follow the directions and links where it applicable to your situation. The article will aid you in regards to funeral costs, executing the will, and claiming any available or outstanding entitlements.

Explore Moneysmart's guide following the passing of a family member

Over 45 and want a change of career?

Information for jobseekers over 45 The Department of Education, Skills, and Employment provides important information and advice for mature aged workers wanting to reskill or transition to a new career. This article provides an outline of the resources you may need when changing professions, whether it be to a new field, or providing options if you're not sure where to start. Have a read through and follow the links provided to the resources that will most benefit you. You may want to watch the video at the beginning if you're unsure of your decision to change careers, or even take the Skills Match quiz to see if a career already fits your skills or training.

Explore Information for jobseekers over 45

Need short-term help with jobs around the house?

The Australian Government support for short-term care The Australian Government provides short-term care for eligible people aged over 65 (or 50 for Aboriginal or Torres Strait Islanders) through their My Aged Care program. The short-term restorative care for help with everyday tasks may help you overcome a difficult period or delay the need for long-term help by putting plans in place. Read through this page which describes the types of short-term care available to help you decide which may be of most use. Close to the bottom you can click to apply for an online assessment, which will take you through a few questions that will determine your situation and what you need help with, and help to put you in contact with a face-to-face assessor should you be eligible for the services.

Explore The Australian Government support for short-term care

Struggling to manage debt and want advice?

The national debt helpline The National Debt Helpline is a not-for-profit organisation that helps people understand and tackle their debt problems. They provide free and confidential financial counselling. You can browse their website and use their chat to find the help you require, or you can call 1800 007 007 during business hours (9.30am to 4.30pm) Monday to Friday.

Explore The national debt helpline

Need help with household chores?

My Aged Care government initiative My Aged Care is the gateway for access to the government-funded aged care services. The site provides information on different types of aged care services, an eligibility assessment, and a referral platform to find service providers you may need.Watch the introduction video, and follow the site's step-by-step guide available on the home page to see what services you may be eligible for.

Explore My Aged Care government initiative

Ready to plan for retirement?

Services Australia's retirement advice This is a government website to help you plan your retirement—and connect with the right people if you’re needing to take action.Have a read through, and you may end up linking through to one of their financial advisors.

Explore Services Australia's retirement advice

Interested in financial literacy for women over 55 years?

Building financial literacy This group, Economic Security for Women, is funded by the federal government to promote economic wellbeing and financial security for women.Take a look at this link to see if there might be a free “financial literacy for women over 55 years” workshop coming up soon in your area

Read the article here

Are you in the search for a new job?

A "what's next" guide to finding a new career This is a government website intended to help you get back on your feet after losing your previous employment through resignation, redundancy, or any other reason.You may want to explore the site at your own pace. The "Where do I stand?" section provides financial and emotional support resources while the "Get your next job" section contains practical guides for finding new employment.

Explore this guide to career choices

Need help finding health services?

Healthdirect search engine The Healthdirect service finder helps you get in contact with nearby services that fit your needs. You can select the type of health service you're seeking using their simple checkbox and refine the search through preferences (such as bulkbilling or telehealth) and location. Alternatively you can search for specific practices by name and location.

Search for your local health services here

Need help managing your finances?

Services Australia's advice on money management Services Australia is the government agency responsible for the delivery of advice and accessible support services and payments. As part of this they offer tips and information if you're struggling, and financial aid if you're applicable. You may be interested in a number of resources available on this page depending on your circumstances. The "Budget" link contains a simple online budget summary tool to help you understand how much you're spending. "Plan for retirement" may be useful if you have not yet retired but are thinking about it.

Explore Services Australia's advice on money management

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