You can obtain proof of your circumstances/details from the department and provide it to Good Money so that your eligibility for the relevant loan or matched savings program can be determined.This consent, once agreed too, remains valid while you are a customer of Good Money unless you withdraw it by contacting Good Money or the department.The department will use information you have provided to Good Money to confirm your eligibility for the relevant loan or matched savings program and will disclose to Good Money your personal information including your name, address, concession card status, payment type, payment status, income, assets, one-off payment, deduction and shared care arrangements.With this permission do you understand that: The Australian Government Department of Human Services (the department) to provide the results of that enquiry to Good Money.Good Money to use Centrelink Confirmation eServices to perform a Centrelink enquiry of your Centrelink Customer details and concession card status in order to enable the organisation to determine if you qualify for a loan or matched savings program.
You can put aside money for big bills when they arrive, and plan savings to achieve your money goals. Having a budget helps you to feel more in control of your money.
You may be able to find some things you could cut back on, at least for a while. Look at your expenses and think about your needs and wants. See track your spending for easy ways to do this. Include every transaction, no matter how small. To see how much money is going out, track what you spend over one or two weeks. This can help with regular bills, such as rent.
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If you get a Centrelink payment from Services Australia, you can use their free Centrepay service to do this.
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This can be useful to manage large bills, such as car registration and insurance. You may be able to pay fortnightly or monthly, to avoid the shock of a large bill. Pay large bills in smaller instalmentsĬontact your utility and other providers to ask them about paying bills in smaller amounts more often. Or set up a bank transfer for a small amount into a separate account for ‘bills’, and get your direct debits to come out of this account. Set up automatic direct debits for regular bills to take a little each pay day, if you can. Practical ways to manage your costs Automate your regular bill payments The Good Insurance program offers cheaper car and home insurance for people on low incomes. Loans are available for essential goods and services such as fridges, washing machines, car repairs and medical procedures for up to $1,500. The No Interest Loan Scheme (NILS) offers affordable credit for families on a low income. You set a savings goal, and when you reach it, the amount is matched (up to $500). Saver Plus helps people on low incomes to save and to improve their financial skills. See super contributions for further information. This means that the Australian Government will contribute to your super balance, up to $500 per year. If you earn $37,000 or less, you may be eligible for a low-income superannuation tax offset (LISTO). Check their websites to see if you’re eligible. Some providers help to give people on low incomes a boost with their finances. Grants and subsidies | Western Australian Government (WA Seniors Cardįinancial programs to help people on low incomes SA.GOV.AU - Concessions, benefits and grants (TasmaniaĬoncessions and benefits - DHHS Services ()
State Government concessions, grants and assistance Australian Government benefits and paymentsįor pensions (aged, disability) and one-off payments.įor housing, aged care and disability services, see benefits and payments and concessions, allowances and supplements Visit their websites to see if you're eligible. The Australian Government, state and territory governments offer financial support, concessions, and rebates for people on low incomes or who are experiencing hardship. Check if you are eligible for Government assistance If you're in crisis or struggling to make ends meet, see urgent help with money. Get the most out of your money by knowing what financial support is available, and practical ways to manage your costs.
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