For Community services and case workers
Debt Priority Worksheet
A worksheet for listing debts and sorting them into priority and non-priority, so people can protect housing and essentials first and get free financial…
Budgeting and money · Debt
Topic
Financial hardship
Supporting people experiencing debt and financial stress.
8 resources
For Social workers
Financial Hardship Conversation Guide
A practitioner guide for opening respectful conversations about money, exploring income, debts and essentials, recognising financial abuse and making well-matched referrals.
Financial hardship · Referral and case planning
For Community services and case workers
Hardship Payment Plan Letter Template
A plain-language letter template for asking a creditor or utility provider for hardship assistance or a payment plan, with guidance for workers and a…
Budgeting and money · Emergency relief and food support
For Social workers
Income Support Navigation Checklist
A checklist for helping people navigate Australian Government income support, from documents and online accounts to appointments, reporting obligations and asking for a review.
Financial hardship · Income support
For Community services and case workers
Rent Arrears Action Plan
A step-by-step plan for tenants behind on rent: work out the amount, get tenancy advice, contact the landlord or agent early, offer an affordable…
Financial hardship · Housing and practical stability
For Community services and case workers
Scam Awareness Handout
A plain-language handout on common scams, warning signs, how to protect yourself and what to do if you have been scammed, including reporting and…
Financial hardship · Online safety
For Community services and case workers
Seasonal Hardship Planning
A planning tool for anticipating costly or difficult times of year, such as back to school, winter energy bills, holidays and heatwaves, with costs,…
Budgeting and money · Financial hardship
For Community services and case workers
Utility Hardship Conversation Script
A step-by-step phone script for calling an energy or water provider to ask for hardship assistance, with what to have ready, what to say,…
Budgeting and money · Financial hardship
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