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Moneycare

Get free, confidential financial counselling with Moneycare.

About Moneycare financial counselling and capability services

The Salvation Army’s free and confidential financial counselling and capability service, Moneycare, is available to support anyone who would like to improve their financial situation or is looking for help with managing their money. Whether you are feeling completely overwhelmed by debt, have been affected by a natural disaster or other financial crisis, or would just like some pointers to navigate the rising costs of living — we are here for you.

If you would like to make an appointment to see a member of our financial counselling and capability team, please call us today.  You can also click the ‘Chat with a Financial Counsellor’ icon and message a financial counsellor online between the hours of 9AM to 5PM Monday to Friday for immediate assistance.

Moneycare does NOT provide emergency cash loans, vouchers, emergency relief, or investment advice. For urgent financial assistance, call the Salvos Phone Assistance Line in your state/territory.

Outstanding.

The counsellor was kind, compassionate and understanding and really took the time to address our issues and work towards a long term solution. Highly recommend.
Allan D.
How financial counselling helps

How financial counselling helps

Moneycare can help you if you are:

  • Feeling overwhelmed by daily costs, debts or bills
  • Experiencing money worries
  • Looking for support with managing your money
  • Being chased for money you owe

What is financial counselling?

When you talk through your situation with our caring, professional counsellors, you’ll receive personalised financial guidance and support to overcome your money problems and build financial strength for the future.

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What to expect when you contact Moneycare

When you phone us on 1800 722 363 and when you chat to us online, you will speak to a real person. Our friendly team member will guide you through the process, so don’t worry about what you need to say. If you receive an appointment, you’ll receive an email confirmation of what you’ll need to bring to your appointment. For example, payslips, income statements, debts owed and account numbers.

At your appointment, the financial counsellor may: 

  • Ask questions about your financial situation
  • Help you develop some goal/s
  • Contact credit providers on your behalf, or show you how to do so
  • Offer you some follow up actions to take, and discuss what they will do, before your next session

Free resources

You're the Boss eBook

You're the Boss eBook

Start taking control of your money today with our free, downloadable book, You’re the Boss: Money wisdom for life.

Financial tips guide

Financial tips guide

A free guide with simple tips to help you get on top of your debts and manage your money. Develop a plan to manage your money and debt.
 
Planning for the Unplanned

Planning for the Unplanned

You can't predict a natural disaster, but you can prepare for it. Our free eBook includes real stories, activities and helpful contacts.

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Moneycare and my organisation

Are your employees or the people you're serving struggling with finances or looking to improve their money management skills? Find out how your organisation can help people take control through our financial capability program, You're the Boss.

I am really grateful

for support and guidance I received from Fiona through the year, navigating financial issues. I would give more than 5 stars for her assistance, she always cared for the about case, responded promptly to emails and phones at her earliest convenience. Thank you!
Ramu D.

Stories

Coral
1 February 2026

How Coral found clarity, thanks to Australia's best-kept secret

Read Coral's inspiring story of overcoming financial hardship....
Fiona enjoying planting her garden
14 January 2026

Someone in my corner! The strength of a Moneycare financial counsellor

Moneycare financial counsellor Duong Lieu
17 November 2025

Financial counselling - listening that changes lives

For Duong Lieu, a Moneycare financial counsellor in Melbourne’s west, the real strength of financial counselling is...