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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.

Centrecare – Emergency Relief

 Emergency relief funds can be provided through the financial counselling program when required. 
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Mission Australia – Emergency Relief

Emergency relief helps people to address their immediate basic needs in times of financial crisis or hardship through material or financial aid (e.g. vouchers, clothes and food parcels). Support is offered in a way that maintains the dignity of individuals and families and encourages self-reliance. As well as financial and material support, Mission Australia also link people with services in the community to help them address the challenges that are affecting their financial wellbeing. Emergency Relief is available every Tuesday morning in Carnarvon by appointment only. Please telephone at 8am on the day Emergency Relief is available to arrange an appointment.
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Sun City Christian Centre

Providing a Christ Centred Association for the relief of poverty, suffering, distress, misfortune and helplessness of people, regardless of age, sex, race, ethnic background, religion, political beliefs or marital status.
 
They provide:
• Food, clothing, furniture and household items distribution
• Accommodation
• Rehabilitation facilities
• Other social welfare services including training programs, life skills courses for people at risk and financial training, e.g. budgets.
• Caring for the welfare of individuals and groups in the local community and overseas according to Matt: 25:40
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Salvation Army Geraldton – Doorways (Emergency Relief)

If you find yourself in difficult circumstances, you can access short-term financial assistance in the form of food parcels and vouchers. Please call to make an appointment.
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Regional Alliance West – Emergency Relief

If you are a Geraldton resident and have an emergency that can be solved with a small payment, we may be able to assist.
 
Emergency Relief can be used for:
 
• Food
• Accommodation
• Utilities
• Medical
• Other
 
Recurring assistance will be referred to MoneyBusiness.
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Regional Alliance West – Financial Assistance

Emergency Relief: If you are a Geraldton resident and have an emergency that can be solved with a small payment, we may be able to assist.
Emergency Relief can be used for:
• Food
• Accommodation
• Utilities
• Medical
• Other
 
Financial Counselling: This Service provides free information, options and support to those who are experiencing difficulties with money.
Financial Counsellors can:
• Help to organise a budget
• Explain what to do if you can’t pay bills, debts or fines
• Assist with working out payment arrangements with creditors
• Inform you of Government assistance and entitlements
• Advocate for you if you want to challenge a decision that affects you
• Explain options regarding bankruptcy • HUGS – Hardship Utility Grant Schemes
 
MoneyBusiness: Their workers can support community members and their families with money management.
To help you:
• Work out your money goals
• Create a budget
• Put money aside for special occasions
• Understand banking and finance
• Use the Internet to manage your money
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Regional Alliance West – MoneyBusiness

They can support community members and their families with money management.
 
They can help you to:
 
• Work out your money goals
• Create a budget
• Put money aside for special occasions
• Understand banking and finance
• Use the Internet to manage your money
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Mission Australia – Emergency Relief

Emergency relief helps people to address their immediate basic needs in times of financial crisis or hardship through material or financial aid (e.g. vouchers, clothes and food parcels). Support is offered in a way that maintains the dignity of individuals and families and encourages self-reliance. As well as financial and material support, we also link people with services in the community to help them address the challenges that are affecting their financial wellbeing.

Emergency Relief is available every Tuesday morning in Geraldton and Carnarvon as well as every Thursday morning in Geraldton by appointment only. Please telephone at 8:00am on the day Emergency Relief is available to arrange an appointment.

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Geraldton Service Centre

Services staff can help you with:

  • Medicare
  • Centrelink

Services you can access using self-service terminals:

  • Medicare
  • Centrelink
  • Child Support
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Geraldton Greenough Financial Services

Provide a full range of financial planning, taxation and legal services. These include investments, risk insurance, superannuation and self-managed superannuation, estate planning, retirement and aged care planning, business advice and inter-generational financial planning.

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Desert Blue Connect – Chrysalis House Women’s Refuge

Chrysalis House Women’s Refuge provides safe and supported accommodation for women with or without children who are escaping family violence or are at risk of being homeless as a result of crisis.

Services include:

  • Safe, secure crisis accommodation for up to three weeks
  • Development of safety plans
  • Practical and emotional assistance and support
  • Outreach support services
  • Information and advocacy
  • Referrals to other agencies
  • Links to housing, income, legal and medical services

Chrysalis House also provides services for children. A child support worker works with children to reduce the harmful effects of family violence, including availability of crèche services. Chrysalis House can accommodate children and youth up to the age of 18 years with appropriate recreation activities available.

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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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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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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.
 
To qualify you must:
 
• Have a Health Care Card/Pension Card, or receive Family Tax Benefit A
• Reside in your current premises for more than 3 months
 
Find your local StepUp Loan provider on the website.
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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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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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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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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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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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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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