Financial Hardship Services

" just took a whole weight off my shoulders." 

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Our Financial Hardship Services support and empower clients to build financial resilience by providing information, money management skills and coaching clients to make better financial decisions. The services deliver practical advice, emergency relief, counselling and group educational sessions funded by the Department of Social Services and Department of Communities.

The Spiers Centre is a member of the Financial Counselling Network which is a partnership of not-for-profit organisations and local government in Perth providing support for those experiencing financial hardship. 


Please Note: In order to support the high demand for our services, bookings will not be finalised until all forms and documents have been submitted. Our bookings team will confirm the day prior to your appointment that all documents have been returned otherwise your appointment will be allocated to another client and you will need to reschedule.

If you are experiencing any difficulties with this, please call us on 9401 2699 to ensure we can provide the necessary support.

Financial Counselling

Our accredited financial counsellors can help with financial difficulty by working through the issues with you to understand the problem, discuss options available to you and support you in finding a solution.


Financial counsellors are able to provide support and assist with:  

  • Addressing financial problems

  • Providing support to manage debts

  • Advocacy and referrals to other services

  • Negotiation with creditors for loan, mortgage or credit card repayments

  • Advocacy where unable to pay bills to organise payment plans 

  • Explanation of the debt recovery process

  • Developing a budget plan and helping you take control of your finances

  • Providing information on bankruptcy and various options

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Booking an Appointment


This service is by appointment only. 

The service is in extremely high demand so bookings will need to be in advance and can be made by calling 9401 2699 on Mondays to Fridays between the hours of 9am and 12pm.

If you are unable to make your appointment, please call on 9401 2699 as soon as possible so we can reschedule. 

Other services that can assist with managing debt: 

What to bring to your appointment:

(please note, failure to provide these may limit our ability to assist)

  • Payslips or income statements 

  • Bank statements

  • Letters about your Centrelink payments, debts, bills or fines

  • Letters about your tax, rent, assets and other money you receive or pay

Confused about what to bring to your financial counselling appointment? Download and follow this tip sheet to help prepare.

Financial Well-being

Our Financial Well-being Service will work with clients to improve financial resilience and well-being to increase financial literacy, budgeting skills and strategies to help improve money management skills.


We provide budget workshops, one-on-one budgeting support and more to help build financial resilience and prevent further financial hardship. 

For more information about our Financial Well-being support please call on

9401 2699.

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Download our current budgeting workshop brochures here:

30 November 2021 - 

Emergency Relief 

Emergency relief helps to address immediate basic needs in times of crisis. Emergency relief can act as a safety net for people experiencing financial distress or hardship and who have limited means or resources to help them alleviate their financial crisis.

Emergency relief can provide one-off support with: 

  • Food parcels

  • Food vouchers 

  • Part payment of utility bills 

If clients require further support, we can assist in referring to other appropriate services.


Due to the extremely high demand for emergency relief, it may take several attempts to make an appointment. 

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What to bring to your Emergency Relief appointment:

  • ID such as a driver’s license or concession card.

  • Your Centrelink or Health Care Card if you have one.

  • Payslips or income statements.

  • Bank statements.

  • Letters about your Centrelink payments, debts, bills or fines.

  • Letters about your tax, rent, assets and other money you receive or pay.

We ask that you contact us on 9401 2699 if you’re unable to make your appointment so we can ensure any cancellations can be given to someone else that is in need. 

For further emergency assistance, please visit the WA Connect Emergency Services Directory website at

This service is supported by funding from the Federal Department of Social Services and Lotterywest.