Below is a list of financial services, including financial counselling, planning and advice services. If you can’t find local financial support services for your area, there is a list of state and national financial support services at the bottom of this page.

Winun Ngari: Kimberley Money Management Services (KMMS)

KMMS provides a range of education services including; budgeting, debt management, saving plans, family payment education, bill paying, purchasing assistance, internet & phone banking, information on loans and credit cards, lost superannuation, tax assistance, financial counselling, insurances and free access to phone and computers.

The program currently services both the Derby township, and remote communities in the West Kimberley through an established outreach program. The outreach program ensures services are delivered to the following communities; Looma, Pandanus Park, Bebunburru, Mowanjum and the Gibb River Road (Imintji, Dodnun, Kupungarri and Ngallagunda).

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Ngunga Women’s Group – Financial Counselling

NWG offers:
 
  • Financial counselling
  • Financial Capabilities
  • Mobile playgroup
  • Art & Craft
  • Ngunga Op- shop
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Marra Worra Worra Fitzroy Financial Counselling

The Fitzroy Financial Counselling Service provides a range of help to members such as providing financial support and counselling services to individuals with regard to:
 
  • Banking
  • Tax
  • Small loans
  • Saving needs
  • Accounting services and Budgeting
  • Financial Community Management (networking with other agencies)
  • Superannuation enquiries and payout
  • Negotiation with creditors – loans and credit cards
  • NILS loans (all banking issues)
  • Referrals – legal advice to provide information, DCP, Police Centrelink
  • Water Corp – paying debt and providing education to reduce water bills
  • Department of Corrections – helping clients with family on parole
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Kimberley Employment Services – Money Management

Money management services provide practical and essential support to assist local people build longer-term capability to manage their money better and increase financial resilience. The money management service focuses on:

  • Deliver education and intensive coaching in financial literacy and budgeting;
  • Provide use of tools to implement individual and family budgeting and savings, and debt management plans including on-going budget monitoring;
  • Organise related family support and referrals;
  • Assist with accessing financial institutions and financial services information;
  • Deliver education and information sessions relating to Money Management services that meet local community need;
  • Deliver approved money management courses to improve participants understanding of how to manage their money, plan for the future and find out what services are available to them.
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Kimberley Community Legal Services – Financial Help

Financial Counselling: How can KCLS help?

  • Complete a budget with you;
  • Contact other services and agencies to confirm your bills and debts;
  • Call Horizon Power if you are struggling to pay your power bill, and you want Horizon Power to approve you for a government payment towards your bill: the Hardship Utilities Grant Scheme (HUGS);
  • Apply for some of your debts to be forgiven because of your hardship; and
  • Deal with debt collectors.

Centrelink: How can KCLS help?

  • Arranging Centrepay deductions to pay bills and rent
  • helping you understand payments and confirm your entitlements
  • Appealing Centrelink decisions you do not agree with
  • Talking to you about Centrelink in your community

Kimberley Community Legal Service provides an outreach service from Broome to Dampier Peninsula, Derby and Fitzroy Crossing.

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Fitzroy Crossing Service Centre

Services our staff can help you with:

  • Medicare
  • Centrelink

Services you can access using our self-service terminals:

  • Medicare
  • Centrelink
  • Child Support
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Derby Service Centre

Services our staff can help you with:

  • Centrelink

Services you can access using our self-service terminals:

  • Medicare
  • Centrelink
  • Child Support
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Centacare – Homelessness Support

Centacare Kimberley offers support to people who are homeless, or are highly at risk of becoming homeless in Broome and Derby. Homelessness is where you don’t have a stable or secure place to live, so includes people who are living in overcrowded family homes. All people over the age of 25 are eligible for support. The focus of the three Homelessness services is to support individuals, couples and families to achieve the goal of obtaining and then maintaining long term stable housing in the Public Housing system, or, the private rental market.

The Derby service can work with any person who is Homeless, but does have a focus on supporting women and children who are escaping Domestic Violence to secure long term housing.

Homelessness Services offer a holistic response that can support people to overcome multiple life challenges, and are able to provide support in the areas of:

  • Applying for housing;
  • Access to short and medium term accommodation options
  • Referrals to specialist and mainstream services
  • Advocacy and support
  • Access to education, training and employment
  • Life & independent living skills development
  • Access to Financial advice and Material aid
  • Mentoring and positive role modelling
  • Tenancy information, advice and support

 

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State and National Financial Services Services

Vinnies – National Debt Helpline

Vinnies operates the National Debt Helpline in Western Australia. Trained financial counsellors provide free advice to help move on. If the matter is complex, they can refer to the closest face to face financial counselling service.
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Uniting WA

Family violence
Paying the costs of moving to safety.
The Escaping Violence Payment (EVP) Program is available for people 18+ who have recently experienced family violence, have a changed living situation and are experiencing financial stress.
Please go to the Uniting WA website for more information. 
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Australian Red Cross – Family and Domestic Violence Program – Migration Support

The Family and Domestic Violence program is available to all people on temporary visas or with uncertain visa status, experiencing family and domestic violence and in need of financial support. Under the year-long pilot program, we will be providing up to $3,000 in financial assistance to people who are eligible to help cover expenses such as accommodation, food, and medical care.
 
You can apply online.

If you need support to complete your application, you can download a step-by-step guide

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Your Toolkit

The Financial Toolbox Women provides support to women and their children facing, or having faced, domestic violence and/or financial abuse. The Your Toolkit team does not provide direct support to individuals, but the website provides details for contacting  support services and help lines and women’s refuges.
 
The website includes information on: 
• Checklist of documents you need to take with you when leaving a relationship 
• How can your bank or financial advisor help if you are preparing to leave?
• Centrelink support payments and services
• Financial assistance for living costs
• Tenancy Information and Laws
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WAConnect

WAConnect is a free directory for service providers, and people looking for assistance. Users can search for food relief, financial counsellors, and emergency accommodation, among other services, and get a list of services that can provide assistance in the location that is convenient.
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Services Australia – Crisis Payment

A one-off payment if you’ve experienced an extreme circumstance and are in severe financial hardship.
 
To get any of these payments, you must meet all of the following:
 
• Be in severe financial hardship
• Get, or, be eligible for an income support payment or ABSTUDY Living Allowance
• Be experiencing an extreme circumstance.
To be eligible, you must be experiencing 1 of the following:
• You or someone you’re caring for are required to quarantine or self-isolate due to COVID-19
• You’ve experienced an incident of family and domestic violence
• You’ve had to leave your home because of a natural or other disaster not covered by a disaster relief payment
• You’ve arrived in Australia as a Humanitarian Entrant for the first time
• You were released from prison or psychiatric confinement.
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Services Australia – Farm Household Allowance

A payment for farming families in financial hardship. To get this you must:

  • be a farmer or partner of a farmer, who spends a major part of your time and capital, working on the farm
  • meet the income and assets test limits
  • meet mutual obligation requirements. To get Farm Household Allowance (FHA) you must meet all the following:
  • be a farmer or partner of a farmer
  • be 16 years or older
  • contribute labour and capital to an Australian farm, or are the partner of a farmer who does
  • have income and assets below certain amounts
  • have had less than 4 years of FHA in the specific 10-year period.
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Rural West

Rural Financial Counselling Services WA (RFCS WA) services are available to:

  • All types of farming including livestock, grain, fruit and vegetables
  • Professional fishing
  • Forestry
  • Small rural businesses that support these industries, such as fencing, harvesting, spraying or stock management contracting.
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No Interest Loan Scheme

No Interest Loans (NILS) provide individuals and families on low incomes with access to safe, fair and affordable credit.
 
Loans are available for essential goods and services such as fridges, washing machines, car repairs and medical procedures for up to $1,500. Repayments are set at an affordable amount over 12 to 18 months.
 
Am I eligible?
• I have a Health Care Card / Pension Card or earn less than $45,000 a year after tax ($60,000 for couples or people with dependants)
• I have lived at my current or previous address for at least 3 months
• I can show that I have a capacity to repay the loan
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MoneySmart

We’re committed to helping Australians of all ages, backgrounds and incomes to increase their financial well-being and build a better life. The website provides guidance on:
 
• Banking and Budgeting
• Loans, Credit and Debt
• Investing and Planning
• Super and Retirement
• Insurance
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National Debt Hotline

National Debt Helpline is a not-for-profit service that helps people tackle their debt problems. Their professional financial counsellors offer a free, independent and confidential service. 
 
The website provides information on:
• Your rights
• Risk of using credit
• Managing your debt
• Seeking extra funds
• Extreme financial difficulties 
 
Live chat with a financial counsellor Weekdays 9:30am – 4:30pm. You can send a message outside these hours and a financial counsellor will get back to you.
 
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CWA of WA Sir James Mitchell Fund

The Sir James Mitchell Fund is used to assist those who may need a helping hand. Applications for assistance are considered on an individual basis and are completely confidential. Assistance is in the form of IGA food cards, health expenses and other general assistance. It does not assist with whitegoods, rental bonds and arrears, utility bills (electricity, gas, water etc), car registration/maintenance, travel or funeral expenses.

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Citizens Advice Bureau

Citizens Advice Bureau (CAB) provide information and referral, a low-cost legal advice service on a wide range of issues, and a mediation service.

Their services include:

  • Free information on a wide range of issue
  • Low-cost Legal Advice
  • Low-cost mediation and dispute resolution
  • Free Tax Help (July – October)
  • Assistance with WA NILS (No Interest Loan Scheme) Applications
  • Justice of the Peace
  • Probate Assistance
  • Preparation of Family Court documents
  • Letters of Administration
  • Wills
  • Enduring Powers of Attorney
  • Enduring Powers of Guardianship
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Australian Government – Services Australia

Support through payments and services while you are looking for work or doing approved studies to help you find and keep a job.

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