personal details finance management food health accessible transport education & training & job search Eployment important services & contacts
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1 personal details finance important services & contacts housing finance home management food health accessible transport education & training Eployment & job search
2 Budgeting Why it s useful? What are my options? Banking Different types of institutions (eg banks, credit unions, etc) What to consider when choosing a bank Types of accounts Account keeping fees Access internet banking - phone banking Interest Withdrawal limits Savings plans Christmas accounts etc Eftpos Pin numbers security Key cards Clever ways I can save money Credit Cards Questions to ask What are the account keeping fees? How many times can I access my account before I m charged extra fees? How much are the extra fees? Income Youth Allowance or other Centrelink payments Disability Support Pension Gross and net wages Superannuation Informing Centrelink of my earnings Paying bills Frequency of bills and payments Methods of payment Bpay Centrepay
3 Direct Debit Credit card (by phone) Internet Post Office Bill cards What do I do when I can, t pay on time? Talk to a financial counsellor who can help you to: Negotiate part payments Talk to the creditor (the person to whom you owe money) Get an affordable payment plan started to pay back the money you owe Get money matters under control Consumer Awareness Returning goods Warranties and guarantees How to get advice Credit Over-commitment Credit ratings Limits Debit only Fees and rates Personal loans Interest-free loans Tax File Numbers and ABNs Grants Transition to Independent Living Allowance (TILA) Dame Roma Mitchell Trust Fund Corporate grants (eg Sony) Richard Llewellyn Trust for people with disabilities
4 Gambling What do I do? I think I have a problem? Support services Compensation When can I get it? What can I do with it? Public Trustee Emergency financial assistance What should I do? I don t have any money! Public Trustee (Guardianship / administration of funds ie Disability Support Pension, Victims of Crime Compensation) Mobility Allowance Plus One Companion Card Access Vouchers Disability Parking Permit What do I do if someone steals my wallet/purse/bag with all my personal information and cards in it? 100 point check list - What do I need? Budgeting - Where did all my money go? Rent / board / mortgage Food, groceries, milk, bread, meat, vegetables Take away Bills (phone, gas, electricity, water, insurance) Hot Tip: If you are a person with a disability your disability case worker can help you manage your money.
5 Transport bus, car, train, taxi, parking fees, registration, petrol, car insurance, licence, RAA, service, repairs Clothes, shoes Health doctor, dentist, optometrist, chemist, ambulance cover, medical insurance Pets food, equipment, health checks (vet visits) Gifts birthdays, Christmas Newspapers, magazines Entertainment videos, movies, restaurants, nightclubs, lotto Loans credit card, personal loans Savings Emergencies HAndy BiTs (practical resources) HAndy BiTs (practical resources) Centrelink Information booklets Youth Allowance booklet Information from the Office of Consumer and Business Affairs (OCBA) BUSplash Your Cash booklet Where To Go booklet from SYC (for emergency financial assistance) Rental Kit from SYC for sample budget Disability Case Manager Administration order / Budget Advice
6 WhRE 2 go ThinGs WheRE 2 CoNsideR go Families SA - your local office can help with: financial counselling services information about Dame Roma Mitchell Trust Fund and Dame Roma Mitchell Trust Fund for children and young people with disability Richard Llewellyn Arts and Disability Trust Fund (Arts SA) Transition to Independent Living Allowance (TILA) Brokerage funding Local welfare agencies providing emergency financial assistance St Vincent De Paul, Anglicare, Lutheran Community Care, etc Office of Consumer and Business Affairs (state) see website Australian Competition and Consumer Commission (federal) BUSplash your Cash website - Local gambling support services Banks and other financial institutions Public Trustee (for compensation and administration of finance in some cases) Victims of Crime Compensation Criminal Injuries Compensation My Local Area
7 ThinGs AcTioN 2 ChEckLisT CoNsideR ThinGs AcTioN 2 CoNsideR CheckLisT What do I need to include in a budget? Go into 3 different financial institutions and find out: What types of accounts do they have and what is the best account for me? What are the account keeping fees and how much access can I get to my money before I get charged? What are their savings plans and what are their interest rates? Go to the BUsplash website ( and find out: What are my rights as a consumer? What do I need to consider before entering into a credit contract? Make an appointment with a Centrelink social worker to find out: How does Centrelink work? What benefits am I entitled to? What concessions am I entitled to? What are my obligations? What can I do if I have a complaint? What do I do if I get overpaid? Call the Dame Roma Mitchell Trust Fund. Find out: What can I use it for? How do I apply? Call TILA and find out: What can I use it for? How do I apply?
8 Call Dame Roma Mitchell Trust Fund for Children and Young People with a Disability. Find out: What can I use it for? How do I apply? When I move house: Advise my bank of my new address Advise any other financial institutions that are looking after or dealing with my money Find out what information I need for a 100 point check. Find out when I can get the information.
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