Managing money and debts

Our financial services help people understand their money, bills, and how to get a better deal. We help people avoid getting into a financial mess and sorting  out their finances if they get into difficulty through unemployment, sickness, or family problems.

Money Smart

How we can help

The YFS Money Smart service can help you:

  • 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
  • improve your money management skills.

We also provide community education to groups about financial topics such as home energy costs.

And if you’re an AGL customer who is having trouble with your energy bills, we can assist you to get back on your feet.


Financial Counselling

Our Financial Counselling service assists people who find themselves having difficulty paying off regular bills or are having trouble paying off debt.

Our Problem Gambling Financial Counselling service works with people who are in financial difficulty because of gambling problems.

How we can help

Our counsellors work with people to understand their financial situation by providing information, setting goals, developing budgets and sorting out immediate financial problems.

We work with you to:

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

We also work with people who have have financial problems caused by gambling including sports betting, poker machines, scratchies, or lotto tickets.

We help you develop strategies to protect your funds and reclaim sense of control over your money.

We undertake community education activities and work with local gambling venues to spread the messages about good financial management.

 Who is eligible

Anyone from Logan and surrounds, 16 years and over, that:

  • finds themselves in debt or unable to pay their bills for any reason
  • thinks they may have a problem with gambling, or
  • has a family member who is a problem gambler.


No Interest Loans

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 YFS 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.

How we can help

Call 3826 1500 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.

Client story

Panapa, 61, came from New Zealand 23 years ago, looking for new opportunities. Last year he had to stop working due to serious health issues. He was referred to YFS by Queensland Housing in September because he fell behind on his rent.

Panapa now has a new place to live. He’s happier; his confidence has improved and he credits his worker’s support for all the changes in his life.

How to use our services

YFS understands it is hard to ring without knowing exactly what to ask for, that’s why we have one central door for all new people, called YFS Connect.

Contact YFS