Life moment
Losing your job
What to do in the first 30 days. Here's what to read and work out, in the order that helps most.
Your reading list
Make a budget that actually works
A simple way to track what comes in, what goes out and where you can make room, without spreadsheets taking over your life.
2Saving money and building an emergency fund
How to set savings goals, build a safety buffer for life's surprises, and make saving happen automatically.
3Cutting your bills and the cost of living
Practical ways to lower your power, phone, insurance and grocery costs, plus where to find concessions and help if bills get on top of you.
4Income protection insurance
How income protection pays you a regular income if illness or injury stops you working, plus waiting periods, benefit periods and tax.
5Insurance inside your super
What insurance your super fund may give you, who misses out on automatic cover, and how to check, keep, change or cancel it.
6Getting out of debt and getting hardship help
A step-by-step plan for tackling debt, how to ask lenders for hardship help, where to get free advice, and the paid "debt help" traps to avoid.
7Find lost super and combine your accounts
How to track down forgotten super through myGov, and what to check before you combine accounts into one.
Need to talk to someone now?
Free, confidential help: National Debt Helpline 1800 007 007 · Services Australia 132 300 · Lifeline 13 11 14