Are you in debt? Then you must watch this 7 minute video to see how you can manage it for FREE....
It also clarifies many myths and truths about debt management.
For free financial counselling in South Australia, call toll free 1800 007 007
IF THE van is a rockin’, it just means Orange Sky Laundry is working hard cleaning the laundry of Adelaide’s homeless.
The world’s first mobile laundry service for the homeless launches its first van in Adelaide today.
Founded by Brisbane-based 21-year-olds Lucas Patchett and Nicholas Marchesi in 2014, the van will help locals like Steven Smith, who was the first to use the service during its trial period last week.
The 37-year-old, who has been homeless for about two and a half years, said his socks had never been cleaner.
“I think it is totally awesome, the service is great for the needy … and I can say guaranteed you will have your washing done in an hour,” he said.
“It means a great deal to me … it is so important because there’s a lot of needy people around Adelaide’s streets who do need that sort of service.”
Mr Smith said he also appreciated the “good conversations” he had with volunteers.
“It meant a great deal because I couldn’t talk to my family (over Easter),” he said.
The charity’s Adelaide expansion follows last month’s launch in Perth. The service also runs in Brisbane, Gold Coast, Sydney, Melbourne and South East Victoria.
Co-founder Nicholas Marchesi said while they have a growing team of 450-plus volunteers nationally — who wash and dry about 3500kg of belongings every week — they needed more Adelaide volunteers. They plan to operate the van, named Peggy, weekly at nine locations over six days.
“We’ll need just under 100 volunteers to run the service,” he said, adding that they also welcome donations from the public because “every load of washing costs us $6”.
“What we have found is washing takes time and our volunteers have an opportunity to have positive and non-judgmental conversations with our homeless friends,” Mr Marchesi said. “Through washing and drying clothes it’s amazing to see the massive impact it can have on someone’s life.”
Mr Marchesi and Mr Patchett were named 2016 Young Australians of the Year in January.
The Adelaide service has been funded by RACV Salary Solutions and The Good Guys, Orange Sky Laundry’s national partner.
Here is an example of how a small debt can have life changing consequences....if you're in financial hardship, please call 1800 025 539 to arrange a free appointment, with a Financial Counsellor. Services are confidential, independent and provided by qualified personnel.
The earlier you take control, the more control you'll have!
Share the Dignity was born last year, after reading an article in Mamma Mia on a crisis concerning homeless women and women who are in refuge after fleeing domestic violence.
Many women are forced to choose between food for themselves and their children, or sanitary items when they have their period. Many women were having to create makeshift pads from newspaper, hand towels, clean themselves in public restrooms, and girls living in poverty are not going to school at that time of the month.
If this is the first time you've heard about this, you are probably having the same reaction I did. I was horrified. I couldn't know about this and try not to do something about it. No women should suffer indignity of this nature. I started with a small local collection and as news travelled and the collection gathered press, more and more support agencies were sending requests for pads and tampons. forward to today, 10 months later, and we are now a national organisation supporting hundreds of agencies.
We survive on the goodwill of compassionate volunteers and the caring women who support our twice yearly sanitary collection drives each April and August, or attend our various events through the year. Following us and sharing our posts on social media is a quick easy and free way to ensure more people are aware of this crisis and that we can do more. We've been so lucky with the outpouring of empathy and love from the public.
At Christmas we had the idea to do collections of "it's in the bag", whereby women were asked to donate a preloved hand bag and fill it with life's necessities and some of life's luxuries, in addition to sanitary items. We know that children's needs are often met at Christmas, but that many women do not receive gifts. We were overwhelmed by the volume of Donations and the notes included in the bags and feedback from the recipients’ make the work we do worthwhile. With over 26000 handbags donated we were hearing stories about women receiving these as Christmas gifts where they hadn’t had a present or gift for ten years, the simplest of things that we do make such a difference to women in need.
We are so thrilled that our collections in April and August will be really easy to make donations with our donation bins being able to be found at all Terry White Chemists, Fernwood Fitness, Australian Hearing Hub, Brazilian Beauty and participating Coles not to mention the offices and local businesses that care to help us Share the Dignity. We hope to have donated 500,000 packs of pads and tampons that will ensure NO woman should have to choose between buying food or sanitary items.
https://www.facebook.com/sharethedignity
In late 2015, Jenny* contacted the Affordable SA Helpline (1800 025 539) at the recommendation of her energy provider. Jenny moved back to Adelaide 5 years ago from New Zealand since her son was ill. Since moving back, she was unable to find a job which allowed her to care for her son and was placed on a Carer’s Payment from Centrelink. Due to various factors, such as the drastic difference in electricity prices in South Australia, she was unable to make payments on her electricity bill and was therefore disconnected.
The disconnection occurred 4 months prior to her call and she has been living without gas and electricity since.
Jenny is an extremely resourceful person and has been able to cook and wash without gas and electricity for the past 4 months. When asked how she is managing to wash her clothes without a washing machine, Jenny stated that she fills a large barrel with water and powder, places her white clothing into the makeshift machine, places the barrel in the back of her car and drives around running her errands. She then swaps the whites for coloured clothing, and rolls the barrel down the street. ‘The entire neighbourhood knows who I am and I’ve made heaps of friends this way’ Jenny said.
Although this method of washing might be effective, it is not efficient and due to her son being moved back into her house, she needs electricity to run the medical machinery needed to keep her son alive.
When asked how she managed to cook her meals, she stated that she used an open fire pit in the backyard. Although this method worked for a few months, the fire department and local police stopped and fined Jenny as she was causing a fire hazard.
The financial counsellor that she was placed with through calling The Affordable SA helpline was able to get Jenny a $400 EEPS (emergency electricity payment scheme) grant and contacted the energy provider to have Jenny’s electricity and gas reconnected. Jenny is now on an affordable payment plan through Centapay where she need not worry about her next bill or where she will find the money to pay any future electricity and gas bills.
(*names have been changed)
Christmas is over and the starter’s gun for the New Year has already sounded. This time of year sees many of us dealing with extra debt that the season has added to our financial load and that can leave us feeling anxious about what to do when the extra bills start rolling in.
The Financial Counselling Helpline on 1800 007 007 is a free and confidential service that can help start your new year on the right financial foot. They analyse and assess your financial situation and give you ways of dealing with a range of issues including credit and debt. They work with you to develop a plan to improve your financial situation.
The Helpline team have kindly offered their following Top Ten Tips to help get you started in finding your financial footing in 2016.
1. It is worth investing some time and effort in planning and assessing your situation. Planning is cheap but it is an effective way of obtaining some control over your financial situation. Understanding what income or money you have coming in against expenditures, what money you need to spend, is a good start. Keeping track of these essentials is also a good way to identify savings you can make or money that can be better used. If your expenditures are more than your income then something needs to change.
2. Reduce your credit card Debt. Long term credit card debt impacts on the money you have now and in the future. Over time you may end up paying much more than you need. Planning to pay off debt as early as possible or finding ways to consistently make payments reduces your overall expenditure.
3. Payment Options. You may be able to pay back debt or larger bills over smaller, more frequent payments using monthly or even weekly instalments. Regular small payments rather than one large payment for such things as insurance, utilities or other regular bills can also help you manage your income and expenditure by smoothing out the financial highs and lows over the year.
4. Plan for seasonal expenditure. Start planning for Christmas and holiday expenditure now. Starting a savings account for special events or incorporating these expenses as part of your yearly budget helps make them achievable.
5. Utilities. Make sure that you are on the best plan for your usage or if you are able to access any discounts or concessions for utilities such as electricity, water and gas. Knowing your usage and understanding the charges can help you in making an informed choice of provider or how best to control usage. Heating and cooling can be expensive and the very young and elderly prone to health issues in extreme conditions and in some cases have access to concessions.
6. Being technologically mobile has become a convenient part of connecting with our work, support networks and community. Mobile telephones and tablets using internet and data contracts can be surprisingly expensive if you step outside of the policy limits. Get to know your usage and understand the contracts you are signing. Explore the options of contract vs prepaid particularly in regards to expensive excess data usage. It is better to have slower access than long lasting debt.
7. Stay in touch with the Affordable SA App and explore the Programs and regular articles. This can help save you money by indicating the programs that can best help you and provide information about the latest assistance programs and advice.
8. Hardship. If you are experiencing difficulties meeting regular Utilities bills you can approach a provider and explore the many options available in meeting your payments. If you cannot agree on a compromise or a way forward contact the Financial Counselling Helpline on 1800 007 007.
9. Try and work on stress levels and fitness. Keeping healthy helps you deal with stress. Walking and general exercise is a cheap way to stay healthy and de-stress from the pressures of work.
10. Remember, if you need help ask for it. Many people experience some form of financial hardship at some point in their life. The 1800 007 007 Financial Counselling Helpline is there to offer support and help get you back on track. They are non-judgemental and experienced in dealing with the many scenarios and situations and want to help
Christmas is a time to connect with our loved ones and celebrate the gift of giving. But for many people it can feel the opposite. Being separated from family and loved ones – either due to work, loss, or conflict – can make Christmas a time of unhappiness and loneliness.We might feel disconnected from others, as though nobody really understands us, listens to us, or values our company.
The holidays can be a difficult time if we are feeling like this and don’t have supportive people in our lives. But there are simple strategies you can use to help manage feelings of loneliness.
Here are some ideas to get you started this holiday season.
Think differently about feelings of loneliness. Like all negative emotions, loneliness is an important and valid part of human experience. Loneliness tells us that we crave connection. It comes from a part of ourselves that wants to reach out to others. If we never felt lonely, we might never recognise just how important meaningful relationships are to us.So a good first step in managing feelings of loneliness is to think differently about how we see them. Rather than viewing these feelings negatively and being hard on ourselves, we can choose to see loneliness as coming from a healthy part of us that is motivated to connect with others. Reframing loneliness in this way can help us feel better about ourselves and more positive about seeking out meaningful relationships.
Reconnect with yourself. If we find it hard to connect with others, or genuinely don’t have many social opportunities, then a good place to start is to try connecting with ourselves first. When we’re taking good care of ourselves, we are more likely to be positive, and feelings of loneliness may have less power to get us down.There’s no right or wrong way to do this. A great starting point is to try brainstorming some ideas for activities that make us feel good and then start doing them.Some suggestions are writing down your thoughts in a journal, going for a walk, spending time in nature or simply having a cup of tea in a beautiful cup. Try planning one nice activity for yourself every day and keep a record of how it made you feel. If you build some momentum with these activities before the holidays arrive you might find you are able to coast a bit easier through those moments when you are feeling lonely.
Reach out to others. Feeling lonely during the holidays is never easy, and reaching out to others can often seem difficult and scary. But it’s important to talk to people in your life at this time of year and let them know how you’re feeling.You can do this in whatever way makes you feel comfortable. It might be as simple as a text message or a phone call.
Or you might want to catch up with your family or a friend one-on-one. You can also jump online and connect with an online community for support. The SANE Forums are operating over the holiday period and are a great way to connect with others living with or caring for a loved one with mental illness.
You can even join the virtual Christmas Feast, a social gathering from 6pm AEDT on Christmas Day.There are also a number of great online and telephone services such as Beyond Blue and Lifeline that are available if you need someone to talk to. And if you are struggling with persistent sadness and loneliness, it’s always a good idea to seek professional help from a GP, psychologist or counsellor.
** The Salvation Army and The Australian Psychological Society’s (SA Branch) launched 'SalvoPsych’, a project to help marginalised and disadvantaged people receive psychological assessment and intervention, as well as counselling and other support, in addition to that already offered by the Salvos. - You can learn about SalvoPsych in The Affordable SA App**
A South Australian summer can have many hot days stretching over long and extended periods. Staying cool can be difficult and expensive particularly with rising energy costs. The SA Government provides a range of ideas to keep your home cool and comfortable over the summer which can reduce your need for cooling appliances and help keep your energy costs down.
It also provides advice to older and vulnerable groups dealing with extreme heat issues.
Adelaide's outer northern suburbs have been named the city's most affordable for renters as South Australia's low-income families battle high rents, a national index has revealed. The Rental Affordability Index described Sydney as the most unaffordable city for renters but noted low-income earners were "in an absolutely dire situation" across the country.
Adelaide's most affordable postcodes:
5113 — Davoren Park
5117 — Angle Vale
5118 — Gawler
5112 — Elizabeth
5233 — Forreston, Gumeracha
South Australia, according to the report by not-for-profit groups and economic analysts, is ranked the second least affordable state to rent.
Low-income families in New South Wales spend about 65 per cent of their pay on rent, while families in South Australia spend 59 per cent of their income on accommodation. The report also found rental affordability for single householders was on par with Sydney. Households are generally considered to be experiencing housing stress if more than 30 per cent of the household income is required to pay rent. The report showed the lowest-income 40 per cent of Australian households were "locked out of rental affordability". Shelter SA's Dr Alice Clark said the report revealed there was a huge level of housing stress across the state. "Adelaide is not one of the most affordable city. We hear so much about Sydney and Melbourne but when we look at this, low-income households, we see Adelaide is not doing that well either," she said. She said there was often talk about mortgage stress but the report highlighted families were experiencing "severely unaffordable rent". "If you are on Newstart for example, getting about $500 a fortnight, even if you were able to find a unit at about $130 a week that would be $260 a fortnight and getting up to the 60 per cent [income] mark," she said.
Adelaide's least affordable postcodes:
5232 — Cudlee Creek
5154 — Aldgate
5243 — Oakbank
5152 — Cleland
5144 — Carey Gully
She said there was a critical need for housing policies to be reviewed at a federal level. That sentiment was echoed by National Shelter's Adrian Pisarski who said reforms were needed to create affordable housing. "We really need to link this up with the infrastructure reforms that are being considered, tax reforms that are being considered, there needs to be a fit for government purpose incentive, because the solution will be in attracting large scale, private finance, into an affordable housing system," he said.