Getting the support you need
Getting on top of financial considerations and your rights is important, but it may also help to take some time to get the emotional and practical support you need.
Seeking short-term financial support
There are a range of support options that may be available to you.
- Government payments – If you’re unemployed, along with Newstart Allowance, opens in new window, the government offers a range of payments for job seekers, opens in new window. You can find out what payments you may be eligible for, opens in new window based on your individual circumstances.
- Contacting NAB – We’re here to help when things don’t go to plan. If you’re struggling financially, we may be able to help ease the burden until you get a new job. We can look at your individual circumstances and work on a plan. NAB Assist helps thousands of people going through financial hardship each year. If you’re having difficulty keeping up with repayments, call 1800 701 599.
- Financial counselling - If you’re feeling overwhelmed by your situation and are concerned about how you’ll pay your bills, financial counselling can help, opens in new window. Learn more from the National Debt Helpline, opens in new window.
Knowing your rights around unfair dismissal
If you feel that you were wrongfully dismissed, contact the Fair Work Commission, opens in new window or seek legal advice to learn about your rights. They may also be able to let you know if you have grounds to apply for unfair dismissal.
Creating appropriate budgets
You may have savings tucked away that can help get you through until you find a new job. Or you could be counting on a redraw or government benefits.
Whatever situation you’re in, putting together a budget (and sticking to it until you’re employed again) will help.
- Check out our NAB Budget Planner for budget planning and advice.
- You can also get assistance from a financial counsellor, opens in new window.
- Consolidating and managing your debts might help too. If you have multiple credit card and loan debts, take a look at our debt consolidation loan calculator. It will show you how your repayments could change if you consolidate them into one personal loan.
Staying on top of your bills
It can be harder to pay your bills without an income, but there's a lot you can do to get by:
- Talk to your utility providers about bill payments - they may be able to offer you financial hardship assistance.
- Learn 5 tips for reducing your energy bills, opens in new window.
Planning for the future
This could be a good time to take stock and think about your career. Is it time to change direction?
- Get government assistance and take advantage of any courses and advice on offer, opens in new window.
- As soon as you’re ready, register with relevant employment agencies.
- Use your time to upskill or start a new qualification.
We're ready to help
Not sure what to do next?
- Find out how to get the legal, financial, employment and emotional support you need when you’re unemployed.
- Find out what to do if you’ve been made redundant.
- If you need urgent support with things like accommodation, food or healthcare, help is available. Ask Izzy, opens in new window is an anonymous national support network that connects people to services they need. It's generally free.
Other life moments
Other resources and support
Get in touch
If you're experiencing a change in your circumstances, require financial hardship assistance, or think you might need help in the future, please contact us.
Request financial hardship assistance
If you’re having trouble making your repayments, you can request assistance.
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The information contained in this article is intended to be of a general nature only. It has been prepared without taking into account any person’s objectives, financial situation or needs. Before acting on this information, NAB recommends that you consider whether it is appropriate for your circumstances. NAB recommends that you seek independent legal, financial and taxation advice before acting on any information in this article.