Good Money Stores support people to make responsible and sustainable financial decisions.
Good Money Stores are community financial support centres that offer safe, affordable and responsible financial help for people on low incomes. They provide guidance through financial capability workers and counsellors.
Supports Include
- Support from financial capability workers and counsellors to help you make responsible financial decisions
- Referrals to other services such as financial counselling, Legal Aid and Centrelink support
- Help applying for loans for essentials like household items, technology, car repairs, medical and education costs
- Guidance and support tailored to your situation and financial goals
- Access to No Interest Loans (NILs) for essential items and needs with no interest, no fees and no hidden charges
No Interest Loans (NILs) provide people on low incomes with access to safe, affordable credit for essential goods and services with no interest, fees or charges.
The No Interest Loans (NILs) program by Good Shepherd Australia New Zealand helps individuals and families cover essential expenses—like appliances, car repairs, education or medical costs—by offering loans that are repaid over time with no added costs. Payments are made directly to suppliers, ensuring funds are used for necessary items while supporting financial wellbeing and avoiding high-interest debt.
Services provided
- No interest loans up to $2,000 for essential goods and services (e.g. appliances, furniture, medical or education costs)
- Loans up to $3,000 for rental bonds or natural disaster recovery
- Loans paid directly to suppliers (no cash provided)
- Flexible, affordable repayment plans tailored to the borrower
- Access to loans for people on low incomes or with concession cards
- Support available through a network of community providers across Australia
StudyAssist provides HELP loans that let eligible students study now and repay their fees later through the tax system.
The Australian Government offers HELP loans to make higher education more affordable. Instead of paying upfront, the government covers your approved study costs and you repay the loan once your income reaches the required threshold.
Services Provided:
- HECS-HELP – Covers student contribution fees for Commonwealth supported places
- FEE-HELP – Assists with tuition fees for eligible full fee-paying courses
- SA-HELP – Covers student services and amenities fees
- OS-HELP – Supports study expenses for approved overseas study
- Information on eligibility, loan limits, and repayments
The Home Equity Access Scheme: Enhancing Your Retirement with a Voluntary Loan
The Home Equity Access Scheme provides older Australians with the opportunity to supplement their retirement income through a voluntary, non-taxable loan offered by the Australian Government. The scheme allows you to use the equity in your Australian property as collateral while continuing to live in your home.
You can find information about eligibility, loan estimates, and how the scheme works on the official website.
Services include:
- Enhancing retirement funds by accessing additional financial resoources
- Information available to make informed decisions about securing financial future
- Available to Australians of Age Pension age or older, including both pensioners and non‑pensioners who meet the eligibility criteria.
A help-line for consumers that provides advice on the following:
- Home building and or contents insurance
- Consumer credit insurance
- Life insurance
- Funeral insurance
- Pet insurance
- Income protection insurance
- Superannuation related insurance
- Travel insurance
- Motor vehicle insurance (other than CTP)
- Debts to insurance companies in relation to motor vehicle accidents
For further information call 1300 663 464 or visit the website
Current hours: Monday to Friday, 9.30am to 12.30pm.
Australia Post’s special circumstances mail redirection provides free mail forwarding for people affected by events like domestic violence, natural disasters, or managing a deceased estate.
This service from Australia Post allows eligible individuals experiencing difficult situations—such as family and domestic violence, natural disasters, or the death of a loved one—to have their mail redirected at no cost. It helps ensure important letters and parcels are safely received during periods of disruption or transition.
Services provided:
- Free mail redirection for eligible special circumstances
- Forwarding of letters and parcels to a new address
- Support for people impacted by domestic violence, disasters, or deceased estates
- Application and identity verification process
- In-person assistance at Post Offices if required
Develop your money skills for free with MoneyMinded
MoneyMinded is a free, flexible financial education program that helps adults build the knowledge, confidence, and skills to make informed money decisions and improve their financial wellbeing. The program provides practical guidance on budgeting, reducing debt, and saving regularly.
Services include:
- Developing practical skills for budgeting, saving, reducing debt, and planning for the future
- Offering interactive online activities that users can complete at their own pace
- Covering core financial topics such as money planning, everyday banking, credit and loans, managing bills, and superannuation
- Including specialised modules — such as scams awareness and digital confidence — to help people protect themselves and use financial services safely
- Providing resources that are culturally adaptable and usable by community organisations, educators, and counsellors
- Being available to anyone — you don’t need to be an ANZ customer, and the program does not promote ANZ products
MoneySmart is an Australian Government financial guidance service that gives free tools, tips and information to help people make smarter money decisions.
MoneySmart provides clear, unbiased financial guidance, calculators and resources on topics like budgeting, saving, borrowing, investing and retirement so Australians can feel more confident managing their money at every stage of life.
Services Provided:
- Free online calculators and tools (e.g., budget planner, mortgage, tax and super calculators) to help with financial decisions.
- Practical tips and explainers on managing money, debt, savings, spending, credit and financial products.
- Guides on major financial topics like investing, insurance, loans and retirement planning.
- Resources and lesson plans for teachers to improve financial literacy in schools.
- Information on how to avoid scams and protect yourself financially.
The MoneySmart Budget Planner is a free online tool that helps you work out where your money is going and build a budget that reflects your income and expenses, so you can feel more in control of your finances.
It also helps you set financial goals and track your progress over time, and plan for unexpected expenses or changes in your financial situation.
Supports Include:
- Work out where your money is going and if your income covers your expenses
- Add your own custom income and expense items to reflect your situation
- Set different payment frequencies for expenses (weekly, fortnightly, monthly, etc.)
- Save your budget and come back to it later with autosave or spreadsheet options
- Print or share your budget results to help plan and track spending