Start by listing your regular income and essential expenses, including housing, energy, groceries, transport, insurance and medical costs, so you can see where pressure is building. Check whether you may qualify for government payments, concession cards or state-based rebates, as eligibility depends on your income, assets, household situation and other details. You can review current information through Services Australia and your state or territory government, and ask energy, telco or insurance providers about available hardship options. Be cautious of cost-of-living assistance scams and confirm offers through official websites or the relevant provider.