We help West Australians build financial resilience and wellbeing

Whether you’re facing financial stress or simply want to feel more confident with your money, we’re here to help.

Our free, independent services support people experiencing financial difficulty helping to manage debt, build financial knowledge, and regain control.

We work with individuals and organisations to strengthen financial resilience across our community.

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See our 2024 impact
Building knowledge
Setting you up for success
Advocacy & negotiation
Access to relief

Building a connected system of support.

Together, we are changing the narrative: We listen to a multitude of money stories from people who are at different stages of their financial wellbeing journey. We want to break the stigma around financial setbacks and instead recognise the deep strength of those who reach out for support and connection.

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Empowering Western Australians to build financial confidence and resilience.

Financial stress can affect every part of life — from wellbeing and relationships to housing and health. At the Financial Wellbeing Collective (FWC), we understand that true financial wellbeing goes beyond budgets and bills.

That’s why we work together with partner agencies to deliver free, independent services that build long-term financial capability, resilience, and confidence. Whether you’re facing hardship or planning for a stronger future, FWC is here to support you every step of the way.

Financial Counselling

Helping to ease immediate financial burden, our financial counsellors can provide free assistance with debt negotiation, advocacy with lenders, money management strategies, applications for no interest loans and referrals to supportive services.

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Financial Coaching

Whether you’re aiming to pay off credit card debt, build an emergency fund, save for your child’s education, or finally take that dream holiday, our financial coaching service is here to help you reach your goals.

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Emergency Relief and Food Access Service (ERFAS)

If you are struggling to put food on the table, pay rent or keep up with bills, call the Emergency Relief and Food Access Service (ERFAS) who will connect you to your local support services.

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Energy Ahead

We know that life can be a lot sometimes, so we’re here to help. We provide you with the tools and knowledge you need to better manage your energy consumption, so you are empowered to make positive changes to reduce use and costs.

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Community Education

Financial wellbeing starts with knowledge. That’s why we offer free community workshops designed to build financial literacy, boost confidence, and help you take control of your money.


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Through our work over the past year, we have reached 48,332 Western Australians.

Our Impact

We advocate for the most financially vulnerable in our community, support those experiencing financial difficulties, and help individuals increase their financial security, resilience, and wellbeing. Through our work over the past year, we have reached 48,332 Western Australians.

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I feel empowered and more optimistic about my money. I would highly recommend coaching to anyone.
Sally
Financial Coaching Client
What an amazing service. I wish I’d heard of them when my bill first went up.
Dylan
Energy Ahead Client
She really saved me and without her I wouldn’t be in the stable position I am in now.
Fatima
Financial Counselling Client
Your help has been a tremendous relief, a lifeline during an incredibly difficult time. It’s been crucial in helping me gain employment and a roof over my head.
Rajiv
ERFAS Client

We’re here to help – contact us.

Not sure what you need? Let us guide you by completing the enquiry form.

If you are seeking Emergency Relief, please call 1800 979 777.

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