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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.

Escare – Esperance Financial Counselling Service

Esperance Financial Counselling Service primarily targets families on low incomes, facing financial difficulties. This is a free holistic service assisting people to gain financial knowledge and control of their lives.

The service has run workshops such as ‘Money Matters’, a financial management workshop, including topics such as, understanding paperwork, goal setting, credit, debts and budgets.

Financial Counselling can help you to:

  • Learn different ways to spend and save money
  • Prepare personal and family budgets
  • Talk to creditors
  • Negotiate payments/loans
  • Reduce financial stress
  • Choose options to reduce debts
  • Make appropriate referrals
  • Bankruptcy options
  • Provide financial education
  • Ensure you are receiving eligable rebates and subsidies
  • Applications for No Interest Loan Scheme(NILS)
  • Applications Step Up Loans

Esperance Crisis Accommodation Service – Mara House

The ECAS Women’s Safe House offers support to women and children (male under 17 years of age) escaping Family and Domestic Violence and experiencing homelessness through Domestic Violence.

At the refuge staff will assist you with information to help you decide about housing, legal and income issues. You will be supplied with bedding and food, clothing and toiletries if needed.

Support, referrals, advocacy and information to those using the service.

They can refer you to other services like a counsellor to discuss your feelings and choices at this time.

 

Safe at Home Service:

For some families, staying in their home and having the violent person leave is the best option.

Staff can provide support for women staying at their homes.

The staff can help you assess your risk and support you with safety plans and increased practical safety measures.

The staff will provide regular outreach assistance and support while you rebuild a safe life for yourself and your children.

 

Each woman has a key worker who can help with the following:

  • Safety planning
  • Building self-confidence and independence
  • Advice on housing rights and responsibilities
  • Legal Support
  • Accompanying to court
  • Refer you to Financial Counselor, who can help with budgeting, paying bills and debts
  • Resettlement skills, such as shopping and cooking
  • Referrals to other relevant agencies

TV Financial

TV Financial is a specialist financial planning and services consultancy. Services include:

  • Loan advice and revision for:
  • Personal loans
  • Home loans
  • Asset and equipment finance
  • Commercial finance
  • Agribusiness
  • Planning advice for:
  • Superannuation
  • Self-managed superannuation
  • Investments
  • Life and income insurance
  • Retirement planning
  • Estate planning

ARC Accounting and Financial Solutions

ARC Accounting and Financial Solutions are financial advisers, services include:

  • Deposit and Payment Products – basic and non-basic deposit products
  • Government debentures, stocks or bonds
  • Life Products – including Investment and Life Risk Insurance Products
  • Managed Investment Schemes including Investor Directed Portfolio Services
  • Retirement Savings Accounts
  • Margin Lending
  • Securities
  • Superannuation, including Self-Managed Super Funds
  • Tax (Financial) Advice

Precept Financial Service

Precept Financial Services are financial advisors providing advice in:

  • Superannuation,
  • Investments,
  • Personal life insurance
  • Income protection

They can help you:

  • Identify goals
  • Consider opportunities and risks
  • Bridge the gap
  • Bring plans to life
  • Staying on track

State and National Financial Services

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.

Services Australia – Crisis Payment

To get this you must:

  • be eligible for an income support payment from us
  • be in severe financial hardship
  • have an extreme life change. You can get it if you:
  • are experiencing family and domestic violence
  • get out after 14 days from prison or psychiatric confinement as a result of an offence
  • are a Humanitarian Entrant into Australia for the first time
  • go through a natural disaster not covered by the Disaster Recovery Payment
  • are in Australia when the event occurred, and when you submit your claim
  • are eligible for an income support payment.

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.

National Debt Hotline

National Debt Helpline is a not-for-profit service that helps people tackle their debt problems. Their financial counsellors offer a free, independent and confidential service.

Your Toolkit

Your Toolkit is a free comprehensive online financial toolkit that is designed to help women facing domestic and family violence and financial abuse on their journey to more independent, confident and safe lives. Their website includes information on:

  • Centrelink and myGov account and support payments
  • Tools for managing your own finances (including budgeting and saving)
  • Financial assistance for living costs
  • Understanding financial areas such tax, superannuation, credit and insurance

MoneySmart

ASIC’s MoneySmart website is for all Australians – young or old, rich or poor, investing or paying off debt.

They offer free, independent guidance. They have smart tips on dealing with the ups and downs of life:

  • losing your job
  • having a baby
  • divorce or separation
  • buying a home
  • losing your partner

WAConnect

WAConnect is an online directory where users can search for food relief, financial counsellors and emergency accomodation among other services.

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.

Eligibility:

  • Health Care Card/ Pension Card or earn less than $45 000 a year after tax ($60 000 for couples or people with dependants)
  • Lived at current or previous address for at least 3 months
  • Capacity to repay the loan

StepUp Loans

StepUp is a low interest loan for people on low incomes who have difficulty accessing credit from a bank. You can borrow from $800 – $3,000 with up to three years to pay it back. There are no fees. Loans can be used for items such as:

  •  Secondhand cars or repairs
  • White goods
  • Furniture
  • Computers
  • Vocational Education
  • Medical Expenses

*Loans cannot be used for cash, debt consolidation, holidays or bills

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