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Back to School Budgeting
Back to school expenses can put a big strain on finances. Crystal Smith, our Financial Capability worker, has prepared some information about planning and budgeting for back to school.
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Factsheet: ZipPay Repayments
Lyndall bought a lot of items on Zip Pay—and had always been able to meet the repayments. However, when Lyndall lost her job several months ago she continued to purchase items on ZipPay and can no longer afford her repayments. Does this sound like you?
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Factsheet: Splitting Up
Mary and Bill had been together for ten years and had two children aged 7 and 9. Mary asked Bill to leave after his drinking and drugging got too much for her to handle. Does this sound like you?
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Factsheet: Payday Loans
Jerry organised payday loans before his actual pay day as he was struggling to make it from pay to pay. Jerry was approved for 2 loans. Each loan was for $2000. He was also charged a $400 each time for an establishment fee and an $80 per month account servicing fee. Does this sound like you?
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Factsheet: NILS – No Interest Loans
Jo needed a new fridge as her old one was on its last legs but living on her Centrelink benefit meant that she could not afford one. Jo looked at Rent to Buy options and at getting a cash loan. Does this sound like you?
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Factsheet: I have just been locked up, what do I need to know?
Ray was charged with drug offences. He was remanded in custody with debts including a car loan, mobile phone contract, Child Support payments, Afterpay & direct debits set up. Ray also lost his wallet in the process. Does this sound like you?
Read moreCrisis numbers and helplines
Child Protection Helpline
132111 (NSW)
If you are calling from an international number call: +61 2 9765 5117
The Helpline is open 24 hours a day, 7 days a week
Link2Home Homelessness
1800 152 152
The information and referral telephone service is open 24 hours a day, 7 days a week.
Domestic Voilence Line
Free call 1800 656 463
Translating and Interpreting Services: 13 14 50
TTY 1800 67 14 42
The Domestic Violence Line is open 24 hours a day, 7 days a week.
Life Line
Free call 13 1114
2 Geoffrey Debenham Street Kempsey, NSW
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Kempsey Neighbourhood Centre is a non-profit organisation dedicated to strengthening our local communities by promoting the principles of social justice and empowering people to enhance their quality of life.