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Manage the cost of living

Practical steps to help you manage living costs and keep on top of bills

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Having a plan will help you feel more prepared if your living expenses increase. There's also support and services available if you're feeling overwhelmed.

If you're in crisis and struggling to buy food or pay for essentials, see urgent help with money.

Make a plan

No matter what stage you're at, it's always a good idea to make a plan for your money. You can:

For other ways to plan ahead and manage expenses, explore the pages linked below.

Get help if you need it

If you need help to get your finances back on track, talk to a financial counsellor. They can help you prioritise your bills and repayments. The sooner you get help, the more options you'll have.

Call the National Debt Helpline on 1800 007 007. The helpline is open Monday to Friday, 9:30am to 4:30pm. This is a free and confidential service.

Aboriginal and Torres Strait Islander people can call Mob Strong Debt Helpline on 1800 808 488. The helpline is open Monday to Friday, 9.30am to 4.30pm.

Emotional support

Experiencing financial stress can impact your mental health.

If you're concerned about your mental wellbeing, help is available. Contact Beyond Blue on 1300 22 46 36 (24 hours a day). Or use Beyond Blue's web chat (3pm to 12am).