Financial Counselling & Capability

Our services are free and confidential – we work with you to improve your financial situation

We support people who are experiencing financial disadvantage and vulnerabilities within our Victorian and New South Wales catchment areas. Our services are provided through information and referral, Financial Counselling and Financial Capability casework and other related services.

UMFC delivers the Financial Counselling and Financial Capability Programs in the Ovens Murray, Murray and Hume service areas. These include, but are not limited to, the townships of:

  • Benalla
  • Bright
  • Mansfield
  • Myrtleford
  • Wangaratta
  • Wodonga
  • Albury
  • Deniliquin
  • Finley
  • Hay
  • Wentworth

Financial Counselling is a free service to people on low incomes or those who are experiencing financial stress

Our Financial Counsellors are fully qualified, independent and registered members of the Financial Consumer Rights Council. Our financial counselling service is free. To be eligible clients must reside in Victoria and in the local government areas of Wodonga, Indigo, Towong, Alpine, Mansfield, Wangaratta or Benalla. Our financial counsellors conduct face to face appointments in Wodonga, Wangaratta, Benalla, Mansfield, Bright and Myrtleford.

Am I eligible?

Clients experiencing financial disadvantage and vulnerability are eligible for casework. Consumer Affairs Victoria define financial disadvantage as someone receiving no income, a Centrelink benefit, or an income which doesn’t allow them to meet their debts. Vulnerability is defined as someone who is experiencing homelessness, family violence, mental health issues, has an intellectual or physical disability, or is experiencing an adverse life event.

What do financial counsellors do?

  • offer clients a range of options to address their financial problems
  • provide debt advice and assistance including creditor negotiation and bankruptcy advice
  • assist with applications and determining eligibility for assistance
  • assist with lodging complaints to various ombudsman and authorities
  • refer to other social and community services, including legal, emergency relief or housing services
  • assist with budgeting and financial management

Financial Capability

The Financial Capability Program assists people to learn about money, being able to set up realistic and manageable budgets, including looking at billing arrangements for essential household services and to also work towards savings goals.

Within our catchment areas, the Financial Capability Program can deliver support and services via one on one appointments or within a group workshop setting.

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UMFC acknowledges the support of the Victorian and the Australian Governments

Commitment to Child Safety

All children and young people who access UMFC Services have a right to feel and be safe and to be treated with respect. We are committed to providing a welcoming and safe environment and working towards the best interests of children and young people at all times.