Many of us will go through financial problems at some stage in our lives. Some will waiver in and out of financial stress on a regular basis and most people are only one life-changing event away from hardship.
There are so many uncontrollable life events that can send us into financial hardship. South Australians in recent years have been subjected to a changing workplace environment with industries winding down or transitioning. The cost of utilities such as power and water has skyrocket to record heights.
The more personal scenarios we see are family breakdowns. Divorce and separation can be both emotionally and financial difficult. Domestic Violence. Problem gambling is still a huge burden in the community or a partner who leaves you with a hefty share of uncontrollable debt through credit cards and bad financial loans.
Our health too plays an important part in managing our lifestyle. Serious illness can strike anyone and the cost of care along with changing employment or income due to illness can quickly impact of your ability to maintain lifestyle and can send a financial shock wave through your life.
Not many of us are well prepared for life’s curve balls and seeking help can seem confusing or as confronting as the issue itself. Most service providers now understand that maintaining dignity and confidentiality can be just as important as providing the service, and the more people know and can self manage the more in control they can feel. More control means less stress and the sooner you seek help the less likely debt will accumulate.
The Affordable SA Program is at hand to support and empower you to make informed decisions and connect you easily and readily to valuable independent, confidential and free services in your area.
The Affordable SA Program can be accessed at www.affordablesa.com.au, www.facebook.com/affordableSAapp, or is free to download through Apple and Google search 'AffordableSA'.
Affordable SA also is supported through a Helpline service 9.30am to 8pm Monday to Thursday and 9.30am to 4.30pm Fridays its a free call 1800 036 539.
As the year gets under way the kids will soon be looking to sign up for sports and dance. Uniforms, equipment and fees can sometimes be that expense that is hard to find and kids often miss out.
Make sure you're kids are not missing out on the healthy benefits and friendships of sport and dance.
The SA Government Sports Voucher is available to all primary school children aged from reception to year 7. You can claim one voucher for each eligible child per calendar year and many sporting teams are set up to claim the vouchers directly when paying for sports fees.
All forms of Dance is now included and the SA Government has agreed to continue the program till 2021-2022.
There are many ideas for staying cool and saving on expensive utilities bills if you have your own house. When you are renting it is hard to make the changes to problem areas of the home necessary to effectively reduce your costs.
"The Renters Guide to Saving Money" helps people renting to look consider what changes they can make to save money and life sustainably and how to negotiate with landlords for a reasonable outcome.
The booklet is biased towards the East Coast of Australia but many of the practical ideas are still worthy of exploration. Concessions and laws may vary between states so it is worth checking.