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Helping you with Money Matters

Financial Counselling

Esperance Financial Counselling Service primarily targets families on low incomes, facing financial difficulties.
This is a free holistic service assisting people to gain financial knowledge and control of their lives. This includes supporting people experiencing financial abuse.

The service runs workshops such as ‘Money Matters’, a financial management workshop, which includes the topics of understanding paperwork, goal setting, credit, debts and budgets.

  • The Financial Counsellor is trained to assist you with a Money Health Check. You can also complete one on line at www.moneysmart.gov.au

  • Discover more about your financial rights at www.financialrights.org.au

WA No Interest Loan Scheme
Hardship Utility Grant Scheme
Energy Plan - Sunshine Saver
Work Development Permits

Financial
Counselling can help you :

  • Learn different ways to spend and save money
  • Prepare personal and family budgets
  • Talk to creditors
  • Support you if experiencing financial abuse
  • Negotiate payments/loans
  • Reduce financial stress
  • Choose options to reduce debts
  • Make appropriate referrals
  • Bankruptcy options
  • Provide financial education
  • Ensure you are receiving eligable rebates and subsidies
  • Complete applications for No Interest Loan Scheme(NILS)
  • Sponsor Work Development Permits

Who is eligible for Financial Counselling?

  • Individuals and families
  • Centrelink Income beneficiaries
  • Low to mid-income earners
  • Youth to aged persons

WA NILS Loans

Escare is a member of the NILS (No Interest Loan Scheme) Network, and the local agency through which NILS operates. This scheme provides individuals and families on Centrelink benefits an opportunity to apply for an interest free (0%) loan. We can help you buy essential products and services under a range of categories including:

  • Household Essentials - fridges, washing machines, furniture
  • Health & Wellbeing - gophers, scooters, walking frames
  • Services - dental work, car repairs, medical equipment
  • Social Inclusion - school excursions or uniforms, tools of trade
  • Energy Efficiency - solar panels, water tanks, insulation
  • Car Loan (up to $5000)

Get more Information at www.wanils.com.au

HUGS - Hardship Utility Grant Scheme

Having trouble paying your electricity, lines gas or owner/occupier water bills?  At risk of being disconnected?  You may be able to get help from the Hardship Utility Grant Scheme (HUGS).

Individuals should contact their utility provider to discuss their situation or make an appointment with the Escare Financial Counsellor.

SUNSHINE SAVER - now you can have your time in the sun

A new energy solution making it easier for more households to save on their energy bills.

Sunshine Saver from Horizon Power, is a new subscription-based product that gives you the freedom and flexibility to start saving on your energy bills.

Find out more by clicking here

Contacting our Financial Counsellor

The Financial Counsellor is available between 9.00am and 4.00pm, Monday- Friday. For more information or to make an appointment, call Peta Horan on (08) 9071 3101 or email peta@escare.org.au

If Peta is unavailable, contact the Financial Counselling Hotline 1800 007 007

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Escare is committed to embracing diversity and eliminating all forms of discrimination in the provision of programs we offer. All people are welcome, irrespective of ethnicity, lifestyle choice, faith, sexual orientation and gender identity.

Escare aims to increase the capacity of individuals and families, to assist with daily living challenges, and to enrich community life.

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