Experiencing 

 financial hardship?  

We can support you to address your financial problems, make informed choices, and build your skills in budgeting and managing your money.

If you live in the Logan and Beaudesert area, our financial workers can help you understand your money, bills and loans, and advise you how to negotiate better credit deals.

If you have lost your job, have fallen sick or have family problems, they can help you avoid getting into a financial mess.

Enhance your skills in managing your money with the support of our Money Smart financial capability workers.

They can assist you to:

  • identify how much you have to spend each week
  • understand the bills you have to pay
  • seek out better deals on regular bills like electricity, gas and telephones
  • develop saving techniques
  • access government concessions.

The best thing is their services are free.


Who is eligible?

Anyone who lives in Logan and surrounds.

Say you are having difficulty paying off regular bills or are having trouble paying off debt.

Our financial counsellors are experts in supporting people who find themselves in financial difficulties.

They can work with you to:

  • create a budget so you know how much you have to spend
  • improve your financial planning and set goals
  • counsel you through tough financial situations
  • outline your options to deal with debts
  • help you make informed decisions to resolve your financial difficulties
  • advocate on your behalf with people or companies you owe money to
  • link you with other local services or sources of support as necessary.

The best thing is their services are free.


Who is eligible?

Anyone who lives in Logan City or Beaudesert who is having trouble paying bills.

Our specialist problem-gambling financial counsellors could support you to develop a financially secure future.

They back people who are in financial trouble because of sports betting, poker machines, scratchies, lotto tickets and other forms of gambling.

Maybe you are a family member of a problem gambler.

They can work with you to develop strategies to protect your funds and reclaim a sense of control over your money.


Who is eligible?

Anyone who lives in Logan and surrounds who is in financial difficulty due to gambling.

Through a unique partnership with AGL, we support AGL customers throughout Queensland who are having a hard time paying their gas and/or electricity bills.

Our free home energy advice service can assist you in ways that go beyond traditional payment plans.

Our goal is to develop a plan that suits your own needs: one that matches your financial situation and what you can afford to pay.

You will speak directly with a dedicated worker, who will talk through your options and can advocate on your behalf.


Concessions and grants

As an AGL customer, you may qualify for various concessions administered by AGL on behalf of the Queensland Government. We can connect you to any concessions and grants that might apply.

  • Energy Rebate
  • Reticulated Natural Gas Rebate
  • Electricity Life Support Concession Scheme
  • Home Energy Emergency Assistance
  • Medical Cooling and Heating Electricity Concession Scheme

Tips to manage your account

We can work out payment options for you, including access to Centrelink’s Centrepay facility.

We can put you on AGL’s Bill Smoothing service, which can reduce “bill shock” by spreading your estimated yearly energy costs over small, regular instalments.

We can also request from AGL more time for you to pay a bill.


Tips to reduce your energy use

We can offer you advice on energy efficiency to help you save money on future energy bills. For example, when buying a new appliance, look for its energy rating.

Whether it is a new washer, dryer, fridge or freezer, the more stars, the less energy you will use.

Fitting your home with energy efficient light globes will also save you money in the long term.


Tips to manage your financial situation

If you live in Logan, we can connect you with YFS’ free and independent financial counsellors. They can:

  • suggest ways to improve your financial situation
  • negotiate repayment arrangements with your creditors
  • help you apply for a hardship variation
  • help you organise your finances.

Who is eligible?

AGL customers (electricity and gas) in Queensland.

If you have an unpaid infringement fine or toll debt, our financial counsellors can contact the State Penalties Enforcement Register (SPER) on your behalf and negotiate a payment deferral for up to three months or a more affordable payment plan.

If your SPER debt is small, they could also negotiate a Work and Development Order.

If SPER approves it, this could reduce your SPER debt by $50 for every hour of financial counselling you undertake.


Who is eligible?

Anyone who lives in the Logan or Beaudesert areas who is having trouble paying their SPER debt.

Loans that are safer, fairer and more affordable than pay-day loans, rent-to-buy arrangements and hoc shops are available to people on low incomes in Logan and surrounds.

An initiative of Good Shepherd Microfinance, they’re called No Interest Loans and we can support you with making an application for one.

Loans are available for up to $1500 for essential goods and services such as:

  • household items like fridges, washing machines, stoves, dryers, freezers and furniture
  • some medical and dental services
  • education essentials such as computers and text books
  • some other items as requested.

Repayments are set up at an affordable amount over 12 to 18 months.

Contact us to get an information pack.

Once you have the required documentation ready, you can ring and make an appointment to go through the application.

We can support you to make a loan application during your appointment.


Who is eligible?

You must have a Health Care or Pension card or earn less than $45,000 a year after tax ($60,000 for joint applicants or people with children).

Loans cannot be used for cash, rent arrears, debt consolidation or bills.

There are no credit checks.

YFS receives some government funding to provide emergency financial support for people who are struggling due to unforeseen hardship.

There are a number of organisations providing this service in the Logan area – click here to see which one is most appropriate for your needs.

If you’re struggling with rent arrears, YFS may be able to help. If you live in the Jimboomba or Yarrabilba area, we can help with bills and budgeting. Call us on 3826 1500 to find out if we can help you get on top of your financial situation.


Who is eligible

Check the Emergency Relief list for eligibility conditions for each provider.

Reaching out to the Logan community

Organisations throughout the Logan area rely on our financial workers to deliver community education sessions about good financial management and home energy savings.

Select the link above to secure one of our workers to speak at your event.

Debt busting work

We coordinate Logan’s Done with Debt campaign to prevent Logan residents from getting into debt through the rental of appliances, computers, phones or furniture.

The campaign talks about the true costs of rent-to-buy arrangements.

In 2019, we united with government agencies and local community groups to stage Logan’s first Deal with Debt Day.