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Where To Get Financial Help For Free

written by Shelley Marsh 11/08/2014
Financial Help For Free

I am sick of being bombarded buy constant radio and TV advertisements flogging financial help for high priced fees.  There are plenty of reputable, independent places where you can get similar financial help completely free.  Here are some of the places where you can access financial help for free:

(1)    Financial Counsellor

Financial counsellors are completely free.  They provide an independent and confidential service.  They can help you with a range of issues such as:

  • Helping you to look at different ways to improve your financial situation eg. budgeting
  • Check your eligibility for government payments/programs
  • Negotiating your debts with those that you owe money to, including banks
  • House eviction, rent arrears, disconnections of services such as electricity or gas
  • They can talk to you about debt, bankruptcy and other alternatives
  • Help you deal with debt collectors and fines

Financial Counsellors deal with a range of issues and are completely free. To find on in your area click here.  Or if you wish to talk to a financial counsellor on the phone you can call 1800 007 007 (9.30 am – 4.30 pm Monday to Friday).

(2)    Ombudsmen

If you are having trouble with your electricity provider or telecom company, then maybe you should give the relevant Ombudsman a call.  Their service is completely free and Ombudsmen cover areas such as electricity/gas/water, telecoms, superannuation, credit and financial services including the banks.  Sometimes just mentioning the word ombudsman can make things happen – so mention it next time you are on the phone when you are dealing with an unhelpful employee of your bank, telecom or electricity company.  You might be surprised how their attitude changes.

(3)    A Financial Planner If You Are The Member of An Industry Superannuation Fund

Most Industry funds offer their superannuation members access to a free financial planner.  Obviously, the planner is paid for by your superannuation fund so keep that in mind when you are talking to them.  But certainly they will be able to help you sort out your superannuation, explain their fees and make sure you are accessing the right option for you.  Contact your industry fund and see if they offer this service and find out how you access it.

(4)    Credit and Debt Services

There are many free debt and credit services out there that can help you.  Some of them include:

o    Victoria – MoneyHelp 1800 149 689 and Consumer Action Law Centre 03 9629 6300

o    New South Wales – Consumer Credit Legal Centre 1800 808 488

o    Western Australia – Consumer Credit Legal Service 08 9221 7066

 (5)    MoneyMinded Online*

MoneyMinded Online is a free online financial education program which can improve your financial skills in areas such as budgeting, saving, debt and credit.  Whatever your level of financial skills you will definitely improve them through doing the 8 units of interactive activities.  It’s fun and free!!!  Nothing better!!!  So to sign up for your free financial skills course click here.

So if you are in the market for some financial help you could see if some of these sources could be of assistance first before parting with your hard earned cash.

*I just wanted to let you know, in my life outside bloggy land I am a part of the MoneyMinded program.  I train social workers in the MoneyMinded program, so they can help their clients work through their financial issues.  It is a fantastic program and something I am super passionate about.  This post was not sponsored by MoneyMinded and all views are my own.

If you liked this, try:

How To Create A Household Budget

5 Websites That Will Make or Save You Money

How I Saved On My Electricity Bill

 

Disclaimer:

The information contained in this post is general in nature and does not constitute financial advice.  Please see your financial advisor for advice specific to your individual circumstances.

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15 comments

The Hungry Mum 14/08/2014 at 11:23 am

What a great article. I’m going to share on twitter as this is the sort of info so many people need but struggle to find. I think there’s a misconception that any sort of financial advice is going to cost you. I personally didn’t know about accessing info through industry super funds, so I learnt something today 🙂

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Shelley Marsh 14/08/2014 at 8:46 pm

Hi Hungry Mum! Thanks for stopping by. A share on twitter would be fantastic. Thanks!

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Mel @ brokeGIRLrich 15/08/2014 at 12:18 am

Money minded online sounds like a pretty awesome tool. And I have no idea what an Ombudsmen is, but it sounds handy.

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Lydia C. Lee 15/08/2014 at 6:46 am

Lots of great advice…our library also helps with talks and tax help, at certain times of the year….

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Shelley Marsh 16/08/2014 at 8:04 pm

Hi Lydia, Yes that is true. I think they call it tax help! It is a great service!

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Bec @ The Plumbette 15/08/2014 at 6:54 am

The money minded course sounds awesome Shelley! What a great program to be apart of. Great article too. 🙂

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Shelley Marsh 16/08/2014 at 8:03 pm

Hi Bec, Yes it quite fab! I am lucky to find the perfect job for someone who calls themselves Money Mummy!!! I love teaching social workers about money and hopefully making a real difference in peoples lives.

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Seana - Sydney, Kids, Food + Travel 15/08/2014 at 1:48 pm

I didn’t know about all these guys… is No1 Financial Counsellor a govt-funded service?? I will go and google, could be very handy. Great to get advice for free and without worrying about anyone earning commissions and thus recommending one product over another.

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Shelley Marsh 16/08/2014 at 8:02 pm

Hi Seana, Yes I think some of their funding is from the government. Most financial counsellors work for the major charities. They do amazing work but they cannot give any specific product advice, but they can discuss different options with you.

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Grace 15/08/2014 at 4:32 pm

I hadn’t heard of MoneyMinded so thank you for introducing it to us! I’m sick of those ads too. They make it like they use erase all your worry woes but in actual fact, only increase them.

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Hope @NannyShecando 16/08/2014 at 9:41 pm

Thanks for the great tips! I’m often amazed at the sheer amount of resources you can find for free to help you. I haven’t heard of MoneyMinded, will have it check out out.

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Mums Take Five 17/08/2014 at 9:02 pm

interesting! amazing there is so much free advice when you go looking for it. i look forward to checking these out a bit more. Thanks for sharing with us for Sunday Brunch xx

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The Thrifty Issue 18/08/2014 at 8:25 pm

These are great ways to get free advice. I know so many people don’t know where to start or are worried about costs.

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Surviving Redundancy 22/10/2014 at 6:13 pm

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