Session 9 - SMART Goals

This session aims to help participants learn valuable tools to help define and decide financial goals that are achievable to them. The session will also explore the importance of understanding spending habits and ways to plug spending leaks so goals can be achieved.

Session 10 - Return to Work

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This session explores the costs associated with work including childcare, transportation, social expenses as well HECS or study support loans being resumed.  The session will also explore why checking your pay slip and updating your budget and your financial goals are important before returning to work.  

Session 11​ - Community Loans

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Care has been running a community loans scheme for over 30 years and this module will be facilitated by Care Community Loans staff member who will discuss how the loan scheme works to purchase items such as electronic and household furniture as well as health aids.  The facilitator will also compare high interest loans on the market such as consumer lease companies as well as the hidden costs of using By Now Pay Later products how they can quickly become debt traps.  

Session 12 - Superannuation 101

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This session is delivered by a superannuation expert and will explore superannuation contribution requirements as well as the benefits of the Employee Contribution Method (ECM) and how small contributions over a long period can benefit at retirement age.  The facilitator will demonstrate how to use superannuation calculators as well as how to find lost super and the benefit of combining employer contributions into one account.     

Session 13 - Investing Wisely

This session will be facilitated by a Financial Investment Services Officer (FIS) which is part of Services Australia.   The facilitator will explore how to access Services Australia’s Financial Investment Service including their advice service on planning for retirement. 

Session 14 - Scam Awareness

The session will be facilitated by Care’s consumer law team and will explore different types of scams including online phone and in person scams and how to avoid being scammed.  The facilitator will also discuss resources available such as Scamwatch and what to do if you have been scammed.    

Session 15 - Wills and Power of Attorney

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This session will be facilitated by the Public Trustee and Guardian who will discuss the basics of what a will is and why it is important to have one especially if you have children and assets.  The facilitator will discuss what to consider when it comes to preparing a will and common terminology used and the risks associated with preparing one yourself.  There will be an opportunity to share low cost supports and resources for preparing a will or power of attorney.