Financial Literacy in Progress
a Barnardos and HSBC initiative
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Working with money
Ethical Dilemmas
Click here for suggestions about how to respond to these kinds of dilemmas.
Money Matters Worker Quiz
Money Matters Worker Quiz
Do my values and attitudes about money show when I'm talking money matters with families
I don’t know how people can rely on handouts – I would feel so ashamed
I don’t understand how families can have the latest huge TV or game box, but still not have the money to pay the power bill
Some of my clients are sending money back to family overseas when they aren’t really coping here. I think their priorities are wrong
I find it hard when I see people putting their drug use before their children’s needs
I don’t understand why people won’t take advice about managing better when they obviously need it
I get frustrated when I see people wasting money on cigarettes and other behaviours that do them harm
How and When should I talk with a family about their money and where it goes sections
What do I need to know to be able to help a family with their money?
Accept that you cannot make a family discuss their financial situation or accept the help you think they need.
Feedback observations about the family’s money situation in a sensitive way
Recognise that families may not feel comfortable talking about money until a trusting relationship has developed
Highlight the financial side of issues that the family may be facing
Follow up money issues where they have been part of the referral
Highlight ways in which you can help families who have money worries
Money Matters Stories
Paula - My kids have more friends now
Jackie - I can see my kids are healthier
Mira - With six kids you do a lot of washing
Martha - DV affects you in so many ways
Mariam - I feel much better about myself
Ryan - I feel a lot less stressed
Working with money
Money Matters are Family Matters
How and when should I talk with a family about their money and where it goes
Do my values and attitudes about money show when I'm talking money matters with families
What about my own money management
How do I handle ethical dilemmas about a family's money choices
Assessment and Action
When and how to refer to a Financial Counsellor
How can I find a financial counsellor?
When should family support workers refer families to a financial counsellor?
What is a financial counsellor?
Managing Credit and Debit
Where can I get more information on credit and debt issues?
What if the family is experiencing pressure or harassment from debt collectors?
What if the family can't repay their debts?
What about other debts?
What is Credit
Action Planning on Financial Issues
Planning Cash Flow
Increasing income
Reducing Expenses
Reviewing Progress
Saving for Future Expenses
Identifying Strategies
Establishing outcomes
Doing a Budget
What tools are available to help with budgeting?
What information does the family need to do a budget?
Why do a budget?
Assessing Money Management Practices
What does the family want?
What are the family's money management strategies?
How has the family's current approach to money reflected life pathways and patterns
What is the family context?
Assessment and Action
Addressing Money Management
Doing a Budget
Planning financial issues
Managing Credit and Debt
Housing Problems
Referral to a Financial Counsellor
Addressing Life Changes
Consumer Protection
Avoiding scams
Information about consumer's rights
Coping with seperation
Where can families who are separating find information and support services?
Are child support payments compulsory?
What is child support?
Paying Tax
Who can help low-income families with tax returns
Tax benefits for Families
Who must pay tax?
Centrelink
Centrelink quiz and answers
Partcicpation Failures and Penalties
Centrelink Debts
Appealing Centrelink Decisions
When to Refer to a Centrelink Social Worker or Other Specialist Officer?
Ted
Lana
Esther
Cindy
Jeff
Samira
Resource Links for Ceentrelink Entitlements
Centrelink Quiz
Addressing Life Changes
Understanding Centrelink
Paying Tax
Coping with separation
Consumer protection
How to Plan
Superannuation
Finding Lost Superannuation
Superannuation Funds
Managing Communication
Making Complaints
Choosing Plans
Identifying Costs
Planning for Christmas and Other Regular Events
Spend Carefully
Plan Ahead
Put it in the Budget
Getting the Best Loans
Comparing Loans
Credit Reports
Borrowing Money
Better Ways with Whitegoods
NILS
Second-Hand Goods
Lease Arrangements
Store Finance
Baby Bonus and Family Tax Benefit Supplement
What is Family Tax Benefit Supplement?
What is the 'Baby Bonus' or 'Maternity Payment'?
Discussions with families about Maternity Payment
Payment of Maternity Payment by Instalment
Identifying 'Small Savings'
Saving Resources
Identifying small savings
How to Plan
Identifying small savings
Baby Bonus & FTB
Best ways with whitegoods
Getting the best loans
Planning for special events
Managing communications
Superannuation
Community Resources
Community Resources
Barnardos Financial Programs
Fastrack
NILS
Celebration Planner
Who to Contact
Legals Disclaimers
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