Merry Christmas from the Affordable SA Team.
Photo of Karyn Hick's Handmade Christmas Snowmen. Made from sawn sticks and hot glue.
Karyn won the Affordable SA Bring Christmas to your desktop challenge.
We've all done it. Bought something we later regretted because we didn't really need it.
The AfterPay logo seems to be everywhere, along with other so-called 'buy now pay later' products. You've heard it from sales assistants offering alternate ways too pay. Before you do, there are a few simple few questions to ask yourself about what you're about to buy?
1. How much do I really like it? Is this a necessity that will be beneficial for me and my household?
Stopping to think about whether you really like the item, and how it will add to your life might help put it in perspective for you!
2. How long have I been thinking about this purchase?
If you've been researching the product or thinking about it for a while, you're on your way to a good decision. You could also ask, 'Would I make this same purchase in 24 hours?' These questions help us reduce spontaneous decisions that we might later regret.
3. Do I have enough money to buy this today, which won't impact on my bills or payments?
If it's a stretch and you're reaching into next week's groceries, today is not the right time. Is there a way to save up instead?
"I often feel like I need to have the next best thing whether that be the current fashion fad or new gadget. However I've taught myself not to get caught up in it - a skill that has saved me so much money! Whenever feelings of urgency to buy "it" arise, I wait one day. 9 out of 10 times these feelings of urgency subside and I end up feeling better for it having saved the money and not made an unnecessary purchase" - Hannah
The Salvation Army's Monecare program encourages you to go on a buying reflection journey. Have a goal in mind like steering away from AfterPay and using it less, spending less online this month, or start saving for Christmas! Whatever it is, asking yourself a couple of questions before you buy something goes a long way in removing regret!
(Article sourced from The Salvation Army's Moneycare's "You're the Boss" Program)
For extra help with your goals, get in touch with a financial counsellor. They're free, independent and confidential.
This week is National Homelessness Week and Affordable SA recognises homelessness is real every day of the year with more than 116,000 Australians experiencing this right now.
When living rough, finding available services can be very difficult especially regionally where most community services are provided from a distance. For years, Affordable SA has been connecting those doing it tough with much needed services quickly, discretely and easily with the Affordable SA app and website.
Affordable SA is expanding to provide important location based searching combined with real-time ‘open now’ status to help deliver the best assistance to those who need it.
This is an exciting development for South Australia, as an initiative between The Salvation Army, Carrington Cottages and Verto Group.
These expanded features will be available in coming months.
The app is free to download for iOS and android or visit www.affordablesa.com.au.
Many individuals and families are living just one step away from financial hardship and without a little help could find themselves easily slipping into homelessness.
Charity groups and welfare organisations often provide what is called Emergency Relief. It is the means to provide for people in need, the assistance of most benefit to them. This could be food, food vouchers, blankets, clothes, assistance with bills and furniture as well as other vouchers to stores such as K-Mart to purchase much needed goods.
Help may also include medications, access to free glasses, and referrals to free dental care. Many centres provide budget counselling, financial counselling, personal counselling and links to other community programs located across the state.
These welfare agencies are recognised as providing a state wide standard and purchase vouchers from supermarkets and large chains department stores that can be redeemed by those people in need.
A lot of people find it hard to reach out for help and are quite often at desperation point before finally seeking assistance. The providers of Emergency Relief are there to help and to do so with dignity and understanding. They can also refer people to other agencies that may be of further assistance.
See the Affordable App, website or ring the Helpline1800 025 539 for more details.