Saved by the Bell - Submissions for School Card now open

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13 January, 2020

If your child attends a government school and you meet the eligibility criteria you may qualify for the School Card scheme.

Provided by the Department of Education, the School Card scheme offers financial assistance to families to help cover school fees and in some instances other educational expenses such as uniform, camps and excursion costs.

For more information call 1800 672 758 or visit https://www.sa.gov.au/topics/education-and-learning/financial-help-scholarships-and-grants/school-card-scheme


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Back to school No Interest Loans

Back to school costs are no longer just about uniforms and stationery.

Over the last decade the emphasis on the technology used for education has meant kids require more access to laptops and mobile devices as part of their every day learning. This has meant a huge increase in schooling costs and puts even more pressure on parents finding it hard to cope with cost of living pressures.

Computers and mobile devices are now by far the most significant part of schooling costs for many families and finding the money at this time of the year can send people spiralling into more debt. Many will still have outstanding bills from Christmas.

How can you pay for your kids essential learning needs without sinking further into debt or needing to think about other forms of loans that may cost you a lot more?

Have you heard of NILS? The No Interest Loans Scheme run by Good Finance loans has helped many families to purchase white goods and household items such as fridges and washing machines without paying any interest or charges. No interest, no charges at all! Now the Good Finance NILS is available to help with your back to school needs including computer and text books.

Low Income earners and people in hardship can access this help.

No interest loans are the best and cheapest way for people on low incomes to cover household expenses and necessities, you only repay what you borrow, so you don’t get caught in a cycle of borrowing and debt.

To apply for a no interest loan, visit nils.com.au to find your nearest provider or check out more about NILS and other assistance available in South Australia see the Affordable SA App (download free on Apple and Google play) and website [www.affordablesa.com.au](https://www.affordablesa.com.au/) or ring the [Affordable SA Helpline](https://www.affordablesa.com.au/programs/money-and-finances/affordable-sa-helpline) on 1800 025 539.

By [Graeme](https://www.affordablesa.com.au/team/graeme-hinckley)

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Post-Christmas Blues

I often find that it’s around this time of the year when the shiny excitement of Christmas has well and truly worn off.

We all went through that strange period between Christmas and New Year’s Eve when we didn’t know what day it was. Easter buns then made a sudden and controversial appearance in supermarkets just days into the new year with Easter eggs following closely behind, in abundance. You may have already spent all the money on the gift card you received from your aunt as department stores push back-to-school items to the front of the aisles where the Christmas decorations once sparkled.

Christmas 2019 has now well and truly been left behind with credit card payments already eating into your 2020 earnings.

There are 8,760 hours in a year and Christmas Day makes up 24 yet planning for those brief hours of indulgence can take weeks of effort and sometime months of repayments. Here on the Helpline, we see the repercussions that the cost of Christmas can have on people’s financial situations. If not budgeted for, the ripple effect of Christmas can lead to electricity disconnections, defaults on credit reports, etc.

If the 2019 festive season caused you financial stress, consider starting to plan now…Christmas is only 336 days away!

We sat down with our Financial Counsellors and Financial Capability Workers here on the Helpline to discuss ways to plan for Christmas 2020.

‘One way to approach Christmas 2020 is to look at what you roughly spent in 2019 and divide that into fortnightly amounts (or however you get paid) and put that amount away each fortnight into a separate bank account or Christmas Club’.

‘Work out early on who is going to host Christmas lunch because if it is your turn, you may have to put extra money aside’.

‘If you are casually employed, find out early if your employer is closing over the Christmas break and for how long so you can start putting money aside now to cover essential living expenses while you are not working’.

‘Consider alternative options before signing up for a Christmas Hamper’ -https://www.affordablesa.com.au/news-articles/dont-let-a-christmas-hamper-put-a-damper-on-your-finances

For more tips on how to plan for Christmas 2020, see the attached link from the Moneysmart website, '12 Money Tips for Christmas’.

Christmas should be a time of enjoying family and friends without stressing about making basic ends meet. If you're counting the costs not the calories with each bite of the Christmas pudding, then you're setting yourself up for the Post-Christmas Blues and destined to lose any of the magic that Christmas brings.

If you've started 2020 and you are struggling with the financial repercussions of Christmas, call the National Debt Helpline on 1800 007 007 to speak to a free Financial Counsellor about your options or search for The National Debt Helpline on the Affordable SA App.

[By Sam](https://www.affordablesa.com.au/team/sam)

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