Create a budget

Budgeting

Before you start to think about retirement, you should know how much money you have coming in and what you are spending your money on.

Creating a budget will help you manage your money and keep you focused on your money goals.

Any changes you can make now to lower any debt and increase your savings will all help when you're ready to retire.

Learn how to budget at Services Australia. 

Getting professional financial advice

If you do not think you'll have enough money to retire, consider getting financial advice for your specific circumstances. 

These services can help you better understand your financial situation and empower you to make informed decisions about your financial future.

The Financial Information Service

Services Australia offers a free information service that can help you:

• understand your financial situation and explain your options
• save and plan for retirement
• increase your confidence when it comes to financial matters.

Learn more about the Financial Information Service at Services Australia. 

Financial counselling

The National Debt Helpline offers free and confidential financial counselling to help people who are in debt or are having difficulty paying their living expenses. 

To access this service:

• call on 1800 007 007
• use live chat from the website
• make an appointment with a financial counsellor in your local area.

Find a free financial counsellor at the National Debt Helpline.