Money Management

Having the knowledge and skills to take control of your budget will help you avoid the stress of going into arrears on your rent.  And if you do experience difficutlies, it’s also good to know where to get financial help when you need it. We’ve put together a list of resources that we hope will inform our tenants about budgeting, borrowing money, how to pay rent or transfer money electronically and tips to reduce living costs.

If you are experiencing difficulties paying your rent, please speak with your housing or lodging coordinator who may also be able to discuss what options are available to you.


A budget is a written plan that helps you know how much money you have coming in and what you need to spend it on. It helps you keep track of what you are spending.
Budgeting means you can:

  • pay for the things you need such as food, rent and your current bills
  • keep a regular check on where your money goes
  • prepare for emergencies and unplanned expenses
  • save for something special

Tools to help you with budgets…and…/trackmyspend


Saving money

It’s good to have money set aside to use for necessary unplanned expenses, like car repairs or medical bills. Saving money on a low income is hard, but there things you can do to try to reduce the amount of money you spend so that you can save some for another day.

We’ve found several helpful websites that have ideas and information on how small changes can help you save money.

Food saving ideas

Energy and water saving

Energy saving for seniors

Food saving ideas

Energy and water saving

Where to get credit or a loan

There may be times when you need to borrow money.  Foundation Housing strongly recommends that you do not use ‘pay-day lenders’ or loan sharks.  There are other options if you need help in a hurry.

Non Interest Loan Scheme (NILS)
NILS provides individuals and families on low incomes with access to safe, fair and affordable credit.


These are low interest loan for people on low incomes who have difficulty accessing credit from a bank. You can borrow from $800 – $3,000 with up to three years to pay it back.

Loans for people on Centrelink payments

Hardship Utility Grant Scheme (HUGS)
HUGS provides one off grants to help Western Australians experiencing financial hardship and pay their electricity, water or gas bills providing up to $581 (or $962 for those living above the 26th Parallel).

Customers should discuss their situation with the relevant utility provider. For eligible clients, utility providers will apply for a HUGS Grant and may refer clients to a free financial counselling service for further support.

Understanding the true cost of “pay-day” loans and lending scams




Contact Us Office Locations

Office Hours:

Monday, Tuesday, Wednesday, Friday: 8:30am to 4:30pm
Thursday: 12:30pm to 4:30pm*

General Enquiries: (08) 9422 0700
Maintenance / Repairs: 1300 895 205

Office: 297 Vincent Street, Leederville WA 6007
Postal: PO Box 214, Leederville, WA 6902

*Leederville Reception is closed on Thursday mornings.

Office Hours:
Monday and Wednesday: 10am – 12pm

All other hours: By appointment only

Unit 6/17 – 19 Foundry Road
Midland WA 6056

T: (08) 6274 3900
Maintenance / Repairs: 1300 895 205


Office Hours:
By appointment only

Sanori House, Suite 3, 126 Grand Boulevard
Joondalup WA 6027

T: (08) 9422 0700
Maintenance / Repairs: 1300 895 205

Office Hours:
10.00am to 2.00 pm weekdays (or by appointment)

34 Frederick Street
Broome WA 6725

T: (08) 9193 7641
Maintenance / Repairs: 1300 895 205

Office Hours:
10.00am to 2.00 pm weekdays (or by appointment)

3A/3 Brand Street
South Hedland WA 6722

T: (08) 9172 9700
Maintenance / Repairs: 1300 895 205