Financial Literacy and Resilience Preventing a bad financial situation before it reaches a point of crisis can not only prevent further financial burden, but also alleviate the mental stress and anxiety associated with the situation. This program works with people to address their financial problems before they reach a point of no return. Clients are assisted to develop and maintain budgets, undertake negotiations with creditors and access low cost financial products such as no interest loans. Where necessary, counsellors will link people with specialist support services (Gambling Help, drug and alcohol services). For further information or to make an appointment please call 1300 991 443. This service is funded by the Department of Social Services. Centre based and outreach service offered from Toowoomba, Warwick and Dalby. Outreach services can be provided to Stanthorpe, Roma, Miles, Chinchilla and Tara. Remote service delivery possible in other locations including St George and Taroom.