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COVID-19 care e-newsletter

May 2020
Feeling overwhelmed by debt? 
Call the National Debt Helpline during office hours on 1800 007 007 to speak to a financial counsellor. 

Welcome

The COVID-19 pandemic has had an extraordinary impact on the lives of Canberrans. Social distancing measures have resulted in business closures, unemployment and significant impacts on the health, wellbeing and financial security of many people in our community. Care Inc’s vision for “financial fairness for all” is as important as ever. In this edition we are focusing on our financial counselling service. Included are  steps to consider if you have been impacted by COVID-19. If you are struggling with bills and want to talk through your options, please call our financial counselling team on 1800 007 007.


Carmel Franklin, CEO

COVID-19 is having a dramatic impact on many Canberrans financially. Listed below is our six-step action plan to guide you during these tough times. 

Step 1 - Work out your income 

If COVID-19 has impacted your finances, it is important to work out the changes to your income as you may be eligible for government assistance as well as concessions and rebates. For more information  https://treasury.gov.au/coronavirus
 

Step 2 – Calculate the debt you owe

Summarising your debts allows you to see the total picture of what you owe, including interest, fees and charges – make sure you include all your debts. For more information visit the National Debt Helpline.


Step 3 - Update your budget

Completing a budget will give you visibility on money coming in and money going out. This will help you work out your expenses including debts you owe to creditors.  To download a budget template visit Australian Securities Investment Service (ASIC) .


Step 4 - Prioritise debt payments

When money is tight, it is important to work out what your priority expenses are. There may also be schemes that assist with those high priority expenses. Click here for ways to work out how to prioritise your bills.


Step 5 – Contact your creditors’ hardship departments

If you are in financial hardship contact your creditors financial hardship team to renegotiate repayment arrangements.  Before contacting your creditors visit the National Debt Helpline.


Step 6 – Call the National Debt Helpline

Money problems can happen to anyone, especially during these uncertain times. While you might feel embarrassed about seeking help, financial counsellors are not there to judge you. Financial counsellors offer free, confidential and independent advice – that is tailored for your needs. To speak to a financial counsellor call 1800 007 007. Download the NDH COVID-19 Survival Package.

 

Call 1800 007 007

Things to consider

 

Thinking about accessing your super?

The Australian Government is allowing individuals affected by COVID-19 to access up to $10,000 of their superannuation in 2019-20 and a further $10,000 in 2020-21. Before accessing your super, call us or click here for more information.
 

Accessing 'quick fix' solutions

If you are struggling to meet your financial commitments, you may be tempted to access quick-fix solutions such as taking out a payday loan. Click here for ways to access free legal advice with our consumer lawyers.


Sharing a financial life

If you are in a situation where someone is making decisions about your money without your knowledge or consent, then you may be experiencing financial abuse. To download Care's Understanding Financial Abuse Booklet, click here.

Rethink downloading this booklet if you feel unsafe, if your (ex) partner monitors you, or makes you feel scared, intimidated or controlled, or helped to set up your phone, had access to your phone or has linked email or app store accounts with you. If you are finding that your safety is at risk during COVID-19, the Domestic Violence Crisis Service can assist you, visit this link.


Temporary Visa Holder

Care recognises that COVID-19 is profoundly difficult for prople on temporary visas who are not eligible for government assistance. If you are a temporary visa holder and struggling with bills, please call the National Debt Helpline on 1800 007 007 .


Impacted by gambling harm

There has been media coverage related to the increase of online gambling since the start of COVID-19. If you or someone is being impacted by any form of gambling, call the Gambling Helpline on 1800 858 858 for free confidential support 24/7 or visit Gambling HelpOnline.

Care Inc. values being able to share our experience and knowledge with the Canberra community. 


Coronavirus has led to job losses and more debt. Care’s financial counsellor Deb Shroot speaks with the ABC about how you can get on top of it.
Read the whole article

or listen to Anna Vidot interview Deb Shroot on the ABC drive show
Listen here
We are rolling out a series of Budgeting for Life COVID-19 webinars which will be facilitated by our education team.  For more info on our webinar series email us at education@carefcs.org

 
The ACT Gambling Counselling and Support Service is managed by Relationships Australia Canberra & Region in partnership with Care Inc. To find out how the AGCSS is supporting clients during COVID-19, click here for our e-newsletter

Care Inc is the largest financial counselling service in the ACT. We offer free, confidential and independent advice - that is tailored to your needs and situation. Meet some members of our financial counselling team:


Leasa - Financial Counselling Program Co-ordinator

I have worked at Care for over 20 years and the favourite part of my job is working in an organisation that values fairness, social justice and diversity.


Kerrie - Financial Counselling Intake Worker

I have worked at Care for 9 years and the favourite part of my job is being the first point of contact for clients.


Rosie - Financial Counsellor

I have worked at Care for 7 years. My favourite part of being a financial counsellor is the ability to make a positive difference to my clients.

 


Lyndall - Financial Counsellor

I have worked at Care for 6 years and the favourite part of my job is working with clients from a diverse background.

 

To learn more click here

Care Inc. provides a range of services and we are committed to maintaining support to communities across the ACT during the COVID-19. To learn about the range of services Care Inc. provides, please contact us on:

Financial Counselling Program (including specialist gambling, housing and domestic and family violence financial counselling)
ph: 1800 007 007  or  email: admin@carefcs.org


Consumer Law Centre 
ph: 6143 0044 or email: clc.admin@carefcs.org


Defined Benefit Information Scheme 
ph: 1300 209 642 or email: dbis@carefcs.org

 

Microfinance Program (including interest free loans for people who have left domestic and family violence)
ph: 6257 1788 or email: microfinanceteam@carefcs.org

 

Community Education Program
ph: 6257 1788 or email: education@carefcs.org

 

Find our how Care Inc is keeping clients and staff safe during COVID-19
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Care acknowledges the Traditional Custodians of country throughout Australia and recognises their continuing connection to land, waters and community. We pay our respects to them and their cultures; and to Elders  past and present.

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Level 4, CCG House 219
London Cct Canberra City
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Copyright © *2020* *Care Inc*, All rights reserved.

 






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Care Financial Counselling · Level 4 CCG House · 219 London Cct · canberra, act 2601 · Australia

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