The "rural health check-in" was in Gunnedah on Thursday afternoon, featuring keynote speaker Dennis Hoiberg.

A consultant specialising in change management and emotional resilience, his point was that resilience, in his opinion, was not about "being tough, resistance, hanging in there, grit".

Rather, it was about being able to accept the situation and make a way forward.

"The most resilient people are the ones who say … 'This has happened, now we've got to accept it and move on'."

Read also:

The muster covered 12 locations in six days, moving onto Tamworth and Scone after Gunnedah.

Mr Hoiberg said the Gunnedah group was "good, very engaged".

"About 18 to 20 people turned up - and it's not so much the numbers, it's the engagement you get from the audience.

"Some people come and sit there; others come and engage."

The group also heard from ANZ NSW agribusiness manager Alister Bennett and accounting firm RSM Australia director Gerard O'Brien.

Mr O'Brien said one issue common to most of the events had been difficulty applying for government help, Farm Household Allowance a particularly "unwieldy monster".

"The issue for a lot of them is … 'How do we get an application in on top of managing the farm day-to-day?'"

Some of the obstacles were accessing and being comfortable using the Internet, and the documentation needed.

Mr O'Brien said his advice was to contact an agency such as Rural Financial Counselling Service, Rural Adversity Mental Health Program or Local Land Services.

"All of those guys have people on the ground prepared to help you with the forms, so that you do, in fact, get the assistance."

Mr Hoiberg said there was one under-represented group in most of the locations: rural and regional business owners, the "lost voice" in this drought who'd been missed by most support measures.

Although based in Melbourne, he said he visited this part of the country often and "it's really hit me this time".

"While the farming communities are well being catered for and well being supported by state and federal initiatives, I'm really worried about infrastructure of regional towns, in terms of the bakeries and the pharmacies, the newsagencies … The number of places I've been through where in the main street every third shop is down."