Financial Counselling

Small Business Financial Counselling Service

The service is free and confidential and is for businesses with less than 100 employees experiencing financial difficulties.  Small Business Financial Counsellors are qualified professionals who assist with independent information, advice, support and referral.
Flexible appointment options are available.
More information

The City of Cockburn provides free and confidential Financial Counselling Services to its residents. We aim to provide you with information so you can make informed decisions that are right for you, based on your financial circumstances.

How financial counselling can help

If you need help, financial counselling can help you take control of your finances by:

  • Helping you with Consumer Credit issues
  • Giving you access to information such as pamphlets and budgeting sheets
  • Providing information about policies and laws relating to bills, debts and fines
  • Informing you about government assistance that may be available
  • Helping you to develop money management skills
  • Referring you to other organisations that may be able to help
  • Outline your consumer rights and responsibilities
  • Provide you with general information about Bankruptcy.

Stop light decision-making

Here are some tips on how you can save.
Stop Stop and look at your expenses closely. If opting in to a new contract, insurance or forms of accommodation, choose carefully and prioritise wht is a need and what isnt. Insurance: health, car, home/contents, funeral and life
Transport: registration, bus/train, fuel and maintenance
Education, child support
Medical: glasses, dental, audio, specialists and medicines
Loan and rental, lease contract, repayments
Fines
Accommodation.
 
Watch Watch your consumption and reassess what you need and what impact it will have on the budget. Reduce use and pay these items second. Electricity
Gas
Telecommunications
Water
Food
Clothing.
Choose Finally, you can choose your lifestyle that fits with your income. Look for better options and check affordability. Takeway and eating out
Cigarettes and alcohol
Entertainment
Lotto and gambling
Hobbies and sports
Christmas, holidays, birthdays and celebrations
Incidentals like furniture and non-essentials.

Energy Use
 

This chart shows a household average use of electrical applicances that control heating and cooling. These appliances contribute to the budget. You can reduce how much you spend by turning these appliances completely off (unplugged) when not in use.
55% Heating and cooling
15% Appliances
15% Water heating
10% Lighting
5% Electronic devices

Financial counselling in Cockburn

Please note that the City’s financial counselling service offer in person, telephone, Zoom, Skype, Webex or Whats app appointments until further notice.

Georgina Ogilvie
Monday to Friday
8am – 4pm
 
Colleen Crowley (Small Business Financial Counsellor)
Monday to Friday
8am – 4pm

To book an appointment with a Cockburn Financial Counsellor, please contact the City between 9.30am and 4.30pm Monday to Friday on 08 9411 3444.

TrackMySpend App

You can track your personal expenses on the go with the free TrackMySpend App that is easy to use on your iPhone, iPod or Android device.

TrackMySpend allows you to:
  • Track expenses by categories
  • Track expenses while you are travelling or on an outing
  • Record work or project-related expenses
  • Set goals and save
  • Plus much more!

Use the App to get a clear picture of what you are spending your money on and gain control of your finances.

Useful links
West Australian Council of Social Services opens in a new window 
Quick search of resources for emergency relief, substance issues, counselling, homelessness, legal resources, migrant services and more.

Centrelink opens in a new window
Information on government payments, amounts and eligibility

Legal Aid opens in a new window
Legal information and options     

Housing Authority opens in a new window
Information on eligibility for rental or purchased housing, bond assistance and resources for current tenants

Tenancy WA opens in a new window
Information, contacts and resources for tenants in rental properties living in WA

Department of Mines, Industry Regulation and Safety opens in a new window
Labor relations, WorkSafe & Consumer Protection

Money Minded opens in a new window
An online financial education program endorsed by FCA developed by the ANZ bank

Money Smart opens in a new window
Money management, borrowing money, Superannuation investment, scams & tools & resources. Has a free budget & mortgage calculator

WA No Interest Loans opens in a new window
Information and contacts to apply for WA No Interest Loan Scheme

Financial Counsellors opens in a new window
Peak WA state body for Financial Counsellors and useful resources/links

Financial Ombudsman Service opens in a new window
Financial Ombudsman Service assisting people in dispute with their financial provider

Australian Financial Security Authority opens in a new window

Small Business WA opens in a new window
Information and resources for small business operators in trouble including a low cost alternative dispute resolution service

Department of Human Services opens in a new window
Information on child support

More information and contact

To book an appointment with a Cockburn Financial Counsellor, please contact Customer Service between 8.30am and 4.30pm Monday to Friday on 08 9411 3444.

Flexible appointment options are available including face to face meetings, over the phone, video, Skype, Zoom or WebEx. 
This service is also provided through Money Mentors opens in a new windowAnglicare (Joondalup) opens in a new window and Gosnells Community Legal Centre opens in a new window.

You can also contact the The National Debt Hotline on 1800 007 007 for assistance.

Useful contact numbers

Metro South West
Coolbellup - City of Cockburn 08 9411 3444
Fremantle - Uniting WA 08 9220 1255
Kwinana - Australian Red Cross 08 9419 72 37
Rockingham - Anglicare WA 1300 11 44 46
Success - City of Cockburn  08 9411 3444
Metro South East
Armadale - Anglicare WA 1300 11 44 46
Belmont - Mission Australia 08 9262 4200
Byford - Money Mentors 08 9581 1281
Canning Vale - Success Street Community Law Service 08 6253 9500
Cannington - Communicare 08 9251 5777
Forrestfield - Foothills Information and Referral Service 08 9359 1253
Gosnells - Gosnells Community Legal Centre 08 9398 1455
Manning - Southcare 08 9450 6233
Inner City
Perth - Uniting WA 08 9220 1255
Metro North East
Ellenbrook - Midlas 08 9250 2123
Lockridge - BlueSky 08 9376 9999
Midland - Midlas 08 9250 2123
Morely - BlueSky 08 9376 9999
Metro North West
Girrawheen - The Spiers Centre 08 9401 2699
Heathridge - The Spiers Centre 08 9401 2699
Joondalup - Anglicare WA 1300 11 44 46
Joondalup - The Spiers Centre 08 9401 2699
Merriwa - Uniting WA 08 9220 1255
Mirrabooka - Communicare 08 9251 5777
Mirrabooka - Mission Australia 08 9262 4200
Scarborough - Uniting WA 08 9220 1255
Wanneroo - Communicare 08 9251 5777
Yanchep - Uniting WA 08 9220 1255
Small Business
Joondalup - Anglicare WA opens in a new window 1300 11 44 46
Mandurah - Money Mentors opens in a new window 08 9581 1281
Gosnells - Gosnells Community Legal Centre opens in a new window 08 9398 1455
Success - City of Cockburn 08 9411 3444
Financial Wellbeing
Merriwa - Uniting WA 1300 663 298
Midland - Midlas 08 9250 2123
Emergency Relief and Food Access Service
Emergency Relief and Food Access 1800 979 777
Social Media Share Links below open in a new window

Contact

Address

9 Coleville Crescent,
Spearwood 6163

PO Box 1215, Bibra Lake DC,
Western Australia, 6965

Office opening hours:
8.30am to 4.30pm
Monday to Friday (excluding public holidays)

Language Support

Cockburn Nyungar moort Beeliar boodja-k kaadadjiny. Koora, yeyi, benang baalap nidja boodja-k kaaradjiny.
Ngalak kaadatj dayin boodja, kep wer malayin. Ngalak kaadatj koora koora wer yeyi ngalang birdiya.

City of Cockburn acknowledges the Nyungar people of Beeliar boodja. Long ago, now and in the future they care for country.
We acknowledge a continuing connection to land, waters and culture and pay our respects to the Elders, past, present and emerging.