The City of Ballarat last night adopted its budget after it was initially delayed to give the interim CEO time to review it.
It includes a zero rate rise and a freeze on fees and charges including parking.
$17 million in extra borrowings has been included but only if needed.
City of Ballarat Mayor Cr Ben Taylor says residents doing it tough can apply for help in a number of different ways.
"There is a COVID-19 Financial Hardship Policy available for residents who have experienced a 30 per cent decrease in income including rate deferrals, rate payment plans and waiving of interest on rate payments."
“This has been a very challenging budget to frame due to COVID-19’s economic impacts,” Cr Taylor said.
Image: City of Ballarat