Everyday money matters

Reduce living costs —the NSW Government is helping ease the cost of living with more than 70 rebates and savings.

Moneysmart Budget planner —work out where your money is going.

Get Moneysmart — expert help and advice on making financial decisions.

Saver Plus — Established by The Brotherhood of St Laurence in partnership with ANZ in 2003, Saver Plus is a financial education program for families and individuals on a tight budget to develop life-long savings habits.

Reduce living costs —the NSW Government is helping ease the cost of living with more than 70 rebates and savings.

Fuel Check — find the cost of fuel near you.

Energy Made Easy — how to get energy smart and find the right plan.

NSW public dental services —find out about public dental health services near you.

Buying products and services —your rights when buying products and services in NSW.

Loans, credit and debt — learn more about loans, credit and debt, including payday loans, credit cards and home loans.

Borrowing money: Your rights — information about your rights when borrowing money.

Insurance law factsheets — get the facts about insurance, including car, home and contents, natural disasters, funeral and pet insurance.

Scams and cybercrime —learn how to protect yourself from scams and cybercrime.

Mortgage stress —a practical guide if you are having problems with your home mortgage. Call 1300 888 529.

Learn more about Moneysmart's information on insurance including:

• life insurance
• income protection insurance
• total and permanent disability (TPD) insurance
• trauma insurance
• car insurance
• home insurance
• contents insurance
• storm, flood and fire insurance
• health insurance
• funeral insurance
• pet insurance
• consumer credit insurance
• mobile phone, tablet and laptop insurance

Moving to NSW — information about settlement in NSW to help all migrants living in NSW.

Refugee rights and services — newly arrived refugees can get help to understand their legal rights and access legal services.

Money Management Kit — money management for new arrivals to Australia and community settlement workers.

Money tips — money tips, advice and resources for Aboriginal and Torres Strait Islander people.

Mob Strong Debt Help  — financial advice for Aboriginal and Torres Strait Islander people. Call 1800 808 488.

ADA Australia —supporting the financial capability of people living with intellectual disability.

Financial support —advice from Carers NSW on financial supports available, including payments and pensions, concessions and rebates, and the Young Carer Bursaries.

ACYP's Lifeskills —Watch the video for tips on planning, organising and controlling your money, and check out more financial management resources from the Advocate for Children and Young People.

Getting your first job —information about how to be job-ready, learning new skills, looking for work and what to when you've been made an offer.

Plan your career journey — help with identifying your interests and skills, and information on types of jobs, education and training.

Pay and Work Conditions Tool —calculate pay rates, shift calculations, annual and sick leave, notice and redundancy entitlements.

Negotiate your salary package — once you have been offered the job, you may have to negotiate your package.

Negotiate your salary — how to ask for a pay rise.

Prove your identity — documents you may need to confirm your identity.

Birth certificate information — information on how to apply, proof of identity, fees and processing times.

Driver and rider licences  - information on getting, renewing or replacing a driver or riders licence in NSW.

Driver’s licence support— driver’s licence assistance for disadvantaged Aboriginal people and other disadvantaged communities.

Dress for Success —assistance with work clothes.

Information about taxation — Australian Taxation Office help and advice.

Jobactive — help with your job search. To talk to someone, call the Employment Services Information Line on 13 62 68.

Changing careers —information about different career paths, training options and how to get financial support.

Plan your career journey — help with identifying your interests and skills, and information on types of jobs, education and training.

Returning to work after a career break or parental leave — information about getting ready to go back to work, organising childcare, looking for work and negotiating flexible work.

Plan your career journey — help with identifying your interests and skills, and information on types of jobs, education and training.

Help if you lose your job — getting support, finding work, understanding your rights, and getting help with costs.

Jobactive — help with your job search. To talk to someone, call the Employment Services Information Line on 13 62 68.

JobSeeker Payment — financial support may be available to you.

Youth Allowance for job seekers —If you're aged under 21 and looking for work, or temporarily unable to work, financial support may be available.

Job access for people with disability — assistance available including help finding work, changing jobs, accessing DES providers and workplace modifications to help you find and maintain employment. Call 1800 464 800.

Job access for people with disability — assistance available including help finding work, changing jobs, accessing DES providers and workplace modifications to help you find and maintain employment. Call 1800 464 800.

Caring and paid work —  advice from Carers NSW on finding paid work, including the benefits of paid work and carers' workplace rights.

Business Toolkit for Indigenous Women — aims to inform and inspire Aboriginal and Torres Strait Islander women in their aspirations to be successful businesswomen.

Rural Financial Counselling Service—Free, independent and confidential assistance to help eligible farmers and small rural related businesses with current and long-term financial planning.

Regional Apprentice and University Student Travel Card—Supporting access to education and training in regional, rural and remote areas of NSW.

Regional Seniors Travel Card—Supporting seniors in regional, rural and remote areas by easing the cost of travel.

Young Farmers Business Program — opportunities for women in rural and remote NSW to help improve their business skills.

Scholarships and Allowances for Rural Students—A range of allowances an scholarships are available for students in rural and remote locations who live away from the family home to attend school.

Other useful resources for rural and regional women

Holiday Fun for Regional Youth—The Office for Regional Youth’s Holiday Break program provides young people in regional NSW with the opportunity to enjoy a range of free activities to connect, socialise, learn new skills and have fun during the school holidays. 

Rural Women’s Award — supports women’s contribution to primary industries and rural communities by providing financial assistance, mentoring, resources and support.

IPTAAS—IPTAAS is the Isolated Patients Travel and Accommodation Assistance Scheme. This is a NSW Government scheme providing financial assistance towards travel and accommodation costs when a patient needs to travel long distances for treatment that is not available locally.

Women in Business — a free online program to learn about starting or growing a micro or small business.

Women NSW Business and Entrepreneur Network Facebook — connect with other women in business and find support and mentoring opportunities.

Support for businesses — support options and government requirements to start or grow a business in NSW.

Business Planning —business structures/types, business plans, intellectual property, industry information, and a step by step guide to starting a business.

Register your business —how to get an Australian Business Number (ABN) for your business.

Growing your business — Get independent business advice, practical insights and business skills training on a range of topics for your small business. Advice is available in English, Mandarin, Arabic, Vietnamese, Korean or Cantonese.

Council help for home businesses — information on requirements, where to go for support, and a helpful guide for getting started.

Business and trade licences — information to help you run your business and be a licensed tradesperson.

Business Toolkit for Indigenous Women — aims to inform and inspire Aboriginal and Torres Strait Islander women in their aspirations to be successful businesswomen.

Young Farmers Business Program — opportunities for women in rural and remote NSW to help improve their business skills.

Rural Women’s Award — supports women’s contribution to primary industries and rural communities by providing financial assistance, mentoring, resources and support.

Create NSW’s Arts and Cultural Funding Program —funding opportunities for arts and cultural organisations, professional artists and arts/cultural workers.

South West Arts Funding - funding for people in the arts.

Workplace health and safety — the basics for getting started on making your workplace safe.