You can look for a free financial counsellor through the National Debt Helpline on 1800 007 007, which can help you review income, bills, debts and essential spending. Community centres, neighbourhood houses and some charities may also offer local budgeting support, depending on where you live. For a do-it-yourself starting point, the Moneysmart budget planner can help you list regular and irregular expenses. Any advice or assistance you receive will depend on your circumstances, so check details with the provider or visit moneysmart.gov.au.