Contact your energy retailer as soon as possible and ask about its hardship program, rather than waiting for overdue notices or disconnection action. Explain what you can afford and ask about an affordable payment plan, bill review, concessions, appliance advice or other support available in your state or territory. Keep records of conversations, payments and agreed arrangements, and check whether your account details and meter readings are correct. If you cannot reach a fair arrangement, contact your state or territory energy ombudsman, and check energy.gov.au for official guidance.