Death and Tax Time

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3 July, 2017

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Welcome to the start of the new financial year. A time when anyone connected to the financial parts of an organisation has finally emerged from a month long lockdown in their offices and hordes of personal assistants are nursing their blistered heels after a frantic week of parading up and down the quickly emptying aisles of their local “Officeworks” store.

A time when the purchasing Bombay doors of large companies opened briefly to drop large bundles of cash and then closed again with an almighty crash to signal the close of business for the financial year. Belts will once again be tightened and the "blood from a stone" attitude resume until around this time next year.

We have seen some pretty poor examples of the wealthy and big companies not paying what is considered their fair share. Certainly the Government’s recent ads on the Tele would have us believe that those big companies will soon be held accountable and destined to start helping to fix our national debt rather than just contributing to the size of it. At the very least these ads promise us that someone soon will be experiencing the rough end of the Taxation pineapple.

The depiction of a child’s wooden toy railway with steel balls being sent this way and that will no doubt strike fear into those reaping tax free profits in Australia. The cynic in me wonders if we'll just end up paying more for Netflix and other entertainment whilst the rich get to keep their fancy yachts in the Bahamas.

It is said that death and taxes are the certainties in this world and we seem to have an equally unhealthy fear of both. If you can afford it there is almost a status symbol in paying an expert to rifle through your shoebox of crumpled receipts in managing your tax. Most people just want some reassurance that they have not missed out on a legitimate benefit or have not done something wrong and are prepared to pay for that reassurance. If you can’t afford an expert you can try to negotiate the system but to many, doing your tax has the same attraction as public speaking. A few do it well but most are scared witless.

So it is no surprise that to a young student or someone facing their first year of negotiating their tax return, the whole experience may seem a little overwhelming and possibly setting them up for a lifetime of tax anxiety (just like the rest of us). But there is help for those who earned around $60,000 or less (some eligibility criteria apply). Many part time working students and young members of the workforce fall neatly into this category.

The ATO has for many years had in place a Tax Help program so that low-income earners can get help doing their Tax for free. All across Australia the ATO in conjunction with a range of community centres, social support groups and organisations, have registered and accredited volunteers to help. These volunteers are usually based in community centres or local hubs and are available in Adelaide and a range of regional centres.

Tax help is available from July to October. Phone 132861 to find your closest point of tax assistance.

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Merry Christmas!

It feels like the Christmas season starts earlier every year, with shops, online stores and businesses putting up decorations and holding promotions in the months leading up to Christmas day. But, did you know that the Christmas season and the 12 days of Christmas actually begin on Christmas Day itself?

The 12 days of Christmas is the period in Christian theology that marks the span between the birth of Christ and the coming of the Magi, the three wise men. It begins on December 25 (Christmas) and runs through January 6 (the Epiphany, sometimes also called Three Kings’ Day).

The 12 Days of Christmas song that most of us are familiar with comes from an English composer named Frederic Austin. In 1909, he set the melody and lyrics (including changing 'colly' to 'calling') and added as his own flourish, the drawn-out cadence of 'five go-old rings'. The earliest known version first appeared in a 1780 children's book called 'Mirth With-out Mischief'.

Learn more about the history of the '12 days of Christmas' in this interesting article: https://www.vox.com/21796404/12-days-of-christmas-explained

Australian lyrics of the 12 Days of Christmas: https://www.thechristmastreefarm.com.au/australian-12-days-of-christmas-lyrics/

Christmas Day

It’s Christmas Day – time to spend time with family and friends. To be honest, I’m not even sure why you are reading this? Go, get off your phone or computer and enjoy Christmas.

If you're alone this Christmas for any reason, take a moment to pick up a phone and connect with a friend or family member.

If you don't have access to a phone or wi-fi, all Telstra pay phones are free to use over Christmas till New Years Day: https://www.abc.net.au/news/2020-12-23/telstra-payphones-made-free-for-christmas/13009548 - This includes Telstra Air wi-fi access points.

Here's some tips from the ABC if you're in isolation or alone on Christmas Day: https://www.abc.net.au/everyday/tips-for-spending-christmas-alone/100004504

Lifeline provides a 24/7 helpline for crisis support and suicide prevention on 13 11 14.

https://affordablesa.com.au/programs/health-care/lifeline

From all of us at Affordable SA, we wish you a safe and very merry Christmas and a happy, healthy and prosperous new year for 2021

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Only a Week till Christmas

Where does the time go? Only 7 Days until Christmas!

Time to pick-up last-minute gifts and prepare for celebrations with family and friends. There’s presents to wrap, food to make and lots and lots of little jobs that can make it a very busy time.

Christmas Finances

The tricky thing about the festive season is that life doesn’t stop. Your real estate agent will still direct debit your rental payment, your electricity company will still want your quarterly bill paid and your telco company will still demand your BPay payment on a set day of the month.

With the added expense of Christmas, the end of the year can put a lot of pressure on people’s financial situation and unfortunately here on the Affordable SA helpline we tend to see the aftermath at the start of the new year.

Being part of the billion-dollar Christmas debt hangover is no way to start the New Year. If you are struggling with your expenses call the Affordable SA Helpline on 1800 025 539 to speak to a Financial Counsellor.

You can also find a range of programs that can help here:

https://affordablesa.com.au/programs/money-and-finances

Food for Christmas

Have you got enough food for you and your family this Christmas?

There's still time to access food pantries and emergency relief, but be quick as services may be closed, providing limited service or have different hours during the Christmas and New Year period.

A food pantry offers free or low cost food and groceries to the community. Find a local Food Pantry here:

https://affordablesa.com.au/programs/food/food-pantry

You can find local, emergency relief here:

https://affordablesa.com.au/programs/food/emergency-relief

You can also call the Affordable SA helpline to be connected to services near you that can help. Call the helpline on 1800 025 539

A Christmas Together

It's also an important time to check in on people you know who may be experiencing loneliness or hardship.

Spare a thought for your elderly neighbour who lives alone, your friend who is experiencing financial hardship, your relative who is going through a separation or your co-worker who is struggling with depression.

If you know someone who finds this time of year especially difficult, consider reaching out to them to show that you are thinking of them.

If you or someone you know finds this time of year especially difficult, services such as Lifeline are available 24 hours a day 7 days a week to take your call on 13 11 14

https://affordablesa.com.au/programs/health-care/lifeline

Have a Merry Christmas South Australia

From everyone at Affordable SA, we wish you a very merry Christmas and all the best for 2021!

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Salvos Christmas Cheer

Christmas is meant to be a time of celebration and joy, but if times are tough it can be challenging and isolating.

If you are unsure if you have enough food for Christmas, or you don’t know how you will afford presents for your kids, please contact your local Salvation Army. COVID-19 and other challenging circumstances may have you facing unexpected financial difficulties. The Salvos are committed to giving you non-judgemental and confidential support to help you through this season.

Christmas Cheer

Every year, local Salvation Army centers and churches give hope to individuals and families in need by providing food hampers and gift assistance. Christmas hampers are prepared with care using donated goods and shared with those in the community who have fallen on tough times and during the Christmas season.

Accessing Support

Registrations for Christmas Cheer close soon!

Each Salvos Centre and Corp organises 'Christmas Cheer' slightly differently, but the overall practice is much the same. You contact your local Salvos to register for Christmas Cheer. You would normally then go to the Centre for a brief interview and fill out some forms. You will be given a timeslot to attend to collect the hamper/vouchers and toys.

This year things are being done differently due to COVID-19. Contact your local Salvos or the Salvos Assistance Line on 1300 371 288

More information is available on the Salvation Army website: https://www.salvationarmy.org.au/christmas/need-help-this-christmas/food-hamper-and-gift-assistance/

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