Anyone can find themselves in financial difficulty, for all sorts of reasons.
Our free financial counselling service supports over 1,500 people each year across Ballarat, Ararat, Daylesford, Bacchus Marsh and two local prisons.
Our experienced counsellors take the time to understand your situation and work with you to create a personalised action plan. We can also advocate on your behalf with lenders, utility providers and other organisations—helping to pause interest, renegotiate payments, or even seek debt waivers.
Our trained financial counsellors assist individuals and families in managing debt, understanding their rights and regaining control over their finances. We offer free, confidential support and advocacy to help you find solutions that fit your unique circumstances.
Free and confidential advice
Cafs’ free Financial Counselling service offers confidential, non-judgmental support for anyone experiencing financial difficulty.
Free and confidential advice for people facing financial hardship
Cafs’ free Financial Counselling service offers confidential, non-judgmental support for anyone experiencing financial difficulty.
Whether you're dealing with mounting debt, creditor pressure, or just feeling overwhelmed, our team is here to support you.
Our qualified financial counsellors provide practical advice and advocacy to help you understand your financial situation, navigate your options, and protect your rights. We offer a safe, respectful space where you can talk things through and feel heard, without pressure or shame.
We believe in building confidence, not just solving problems. Our goal is to empower you with the tools and knowledge to take control of your finances—now and into the future.
Financial Capability Program
Supporting you with the tools to manage everyday finances
Cafs’ Financial Capability Program is designed to help you feel more confident and in control of your money. Through personalised support and practical coaching, we work with you to build everyday financial skills that fit your unique situation.
Cafs Financial Capability Program supports you in building the knowledge, skills, and confidence to manage your everyday finances. We understand that everyone’s situation is different, which is why our program is tailored to your unique needs and goals.
Through personalised coaching and practical financial information, we help you make informed decisions about your money. Whether it’s creating a household budget, understanding your utility bills, checking your entitlements, setting savings goals, or connecting you with other helpful services, we’re here to walk alongside you every step of the way.
This free service is available to residents in Ballarat, Hepburn, Pyrenees, Moorabool, Ararat, and Golden Plains. Appointments can be arranged in person, over the phone, or via video call.
There is no cost to access the program. It’s support that’s respectful, empowering, and focused on what matters most to you.
Clear, accessible resources to help you advocate for yourself with hardship teams
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Information on your rights
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Support options like utility grants, rent and mortgage relief, and debt assistance
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Practical tips for stretching your budget
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Smart savings tools
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Engaging videos
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Scam awareness guidance
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Quick links to consumer protection advice
Financial Wellbeing Hub
Introducing the Financial Wellbeing Online Hub — a community-driven space designed to empower individuals with the tools and knowledge to take charge of their financial wellbeing.
Your path to financial confidence starts here. Whether you're navigating a tough patch or planning for a stable future, the Hub offers:
Discover how Cafs supports children, families and individuals across the Central Highlands of Victoria with local, trauma-informed services in family safety, housing, youth care and more.
At Cafs, we believe every child deserves a safe, nurturing home – somewhere they feel seen, heard and valued. Foster care provides that sanctuary, offering children and young people stability when their own home is no longer safe.
