There are a range of counselling services available to help you make important decisions about your financial situation. Here are some good places to start.

MoneyHelp
A non-profit service providing free, confidential and independent financial counselling and debt advice.
Ph: 1800 149 689

MoneySmart
An initiative of the Australian Securities & Investments Commission that offers tips and tools to help you with topics such as managing your money, credits, insurance, superannuation and investing, etc.
Ph: 1300 300 630

Centrelink (Department of Human Services)
Provides a free financial information service regardless of whether you are claiming Centrelink benefits.
Ph: 13 61 50