Free, independent financial counselling and workplace advice. Nothing on this page is sponsored, and nobody here is paid to recommend anything to you.
FIFO pay can be irregular in ways most budgeting advice does not handle — swings affect how many hours you work in a given month, and shutdowns, travel and site changes complicate income planning. If you are unsure which service to call first, start with the National Debt Helpline on 1800 007 007 — they will direct you to the right place.
Free, independent financial counselling. They help you work out what to do — they don't sell anything.
Free financial counselling for Aboriginal and Torres Strait Islander people, anywhere in Australia.
Free financial counselling for small business owners.
Free advice about pay, leave, rosters, notice and workplace rights. Note: these are business hours only — not 24/7.
Government-run financial education — budgeting, debt, super, scams and how to find a financial counsellor near you.
Centrelink, Medicare and Child Support. Financial help, family assistance, crisis payments and support for people unable to work.
Financial counsellors are not lenders, not debt collectors and not salespeople. They are accredited professionals who help you work out your options for free. When you call:
There is no lead generation, no referral fee and no sponsored advice on this page. Every service listed is free and either government-funded or a not-for-profit. The absence is deliberate.