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Preparing for temporary unemployment #holdtheline
Reality is some of us may be facing unemployment whilst we continue to stand up for our freedoms. Does not hurt to be prepared, though we do sense a victory it may be a while away.
We know times may get tough for some of you so a wonderful fellow member has put together a budget calculator (attached to next post) to help you manage through it.
Hints on saving money:
• Check you’re not paying any bank fees – If you are, ask your bank why. If they won’t help you, change banks. There are fee free banks.
• Is that cup of coffee really worth it every day? It does add up.
• Cook larger meals and take leftovers for lunch – saves on buying lunch.
• If you are not using subscriptions, cancel them. If you are without an income for a bit, cancel them too.
• Reduce your phone/internet plan if you can.
• Check your plans for electricity/gas – are there cheaper ones.
• Review your insurances for cars/home etc.
• Spring clean and list unused things on buy/swap sites.
• When shopping, consider going without the luxuries. Can you shop elsewhere for cheaper etc. Aldi vs Woolies.
If you are without income:
Have a mortgage or a personal loan or a credit card? Ring your bank and ask them if you have loan insurance. This usually has a component of income protection for approx. 4 mths, where it covers your home loan repayments.
Switch to a balance transfer credit card, some give 36 months interest free.
This insurance would have been set up by your bank when you took out your loan (don’t confuse this with mortgage insurance if you borrowed over 80%). If in doubt, ring your bank and ask. Also, this insurance has TPD (same as your super), so if you are claiming workers compensation, this also may help with an income. This type of insurance was only offered prior to the Royal Commission.
If you were referred to a financial planner when you took out your home loan, they may have also set you up with some insurance. You would likely remember doing this, as it usually cost a bit of money to do.
Also, you can ring your bank and notify them of hardship. They will refer you to their Hardship team to assist you with making payments. They can also amend repayment amounts temporarily too. They are REQUIRED to assist you.
If you don’t have insurance, ask your bank if you can swap to an interest only repayment for a while. It won’t reduce your loan amount but will reduce your loan repayment while you are without an income or on a reduced income.
If you are salary sacrificing to Super, review this.
Check your Super to see if you set up Income Protection when you joined. This usually is a payment of (usually) 75% of your income for a period of time – however is usually only for injuries, not loss of employment. Worth a phone call to confirm. You can also usually check with your Super fund online and under insurances.
Can you suggest any more ways to save money? 👇🏼
Preparing for temporary unemployment #holdtheline
Reality is some of us may be facing unemployment whilst we continue to stand up for our freedoms. Does not hurt to be prepared, though we do sense a victory it may be a while away.
We know times may get tough for some of you so a wonderful fellow member has put together a budget calculator (attached to next post) to help you manage through it.
Hints on saving money:
• Check you’re not paying any bank fees – If you are, ask your bank why. If they won’t help you, change banks. There are fee free banks.
• Is that cup of coffee really worth it every day? It does add up.
• Cook larger meals and take leftovers for lunch – saves on buying lunch.
• If you are not using subscriptions, cancel them. If you are without an income for a bit, cancel them too.
• Reduce your phone/internet plan if you can.
• Check your plans for electricity/gas – are there cheaper ones.
• Review your insurances for cars/home etc.
• Spring clean and list unused things on buy/swap sites.
• When shopping, consider going without the luxuries. Can you shop elsewhere for cheaper etc. Aldi vs Woolies.
If you are without income:
Have a mortgage or a personal loan or a credit card? Ring your bank and ask them if you have loan insurance. This usually has a component of income protection for approx. 4 mths, where it covers your home loan repayments.
Switch to a balance transfer credit card, some give 36 months interest free.
This insurance would have been set up by your bank when you took out your loan (don’t confuse this with mortgage insurance if you borrowed over 80%). If in doubt, ring your bank and ask. Also, this insurance has TPD (same as your super), so if you are claiming workers compensation, this also may help with an income. This type of insurance was only offered prior to the Royal Commission.
If you were referred to a financial planner when you took out your home loan, they may have also set you up with some insurance. You would likely remember doing this, as it usually cost a bit of money to do.
Also, you can ring your bank and notify them of hardship. They will refer you to their Hardship team to assist you with making payments. They can also amend repayment amounts temporarily too. They are REQUIRED to assist you.
If you don’t have insurance, ask your bank if you can swap to an interest only repayment for a while. It won’t reduce your loan amount but will reduce your loan repayment while you are without an income or on a reduced income.
If you are salary sacrificing to Super, review this.
Check your Super to see if you set up Income Protection when you joined. This usually is a payment of (usually) 75% of your income for a period of time – however is usually only for injuries, not loss of employment. Worth a phone call to confirm. You can also usually check with your Super fund online and under insurances.
Can you suggest any more ways to save money? 👇🏼
Expenses Calculator.xls
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Attached is a budget to guide you through managing your expenses.
You can add in other descriptions or change the ones there to suit, then select the frequency. The template is colour coded to assist you with transferring money into each account as you get paid. The amount will be monthly, however, if you are paid fortnight (divide by 26) or weekly (divide by 52). If you are savvy with Excel, you will notice the cells are using sums to calculate.
Bills – this account is for direct debits and consistent expenses.
Groceries – this is what you have to spend for your pay interval (food/fuel/sport etc)
Splurge – this is for your own little luxuries – aim for no more than $100/fn in order to save.
Xmas/Holidays – Self explanatory
Loans – these are for all of your debts
Purple – This account is for ‘other’ expenses but are less frequent in nature.
Extinguisher – the name says it all. Aim for $7k, as this will act as a really good buffer for emergencies such as appliances, time of work for illness etc.
You can add in other descriptions or change the ones there to suit, then select the frequency. The template is colour coded to assist you with transferring money into each account as you get paid. The amount will be monthly, however, if you are paid fortnight (divide by 26) or weekly (divide by 52). If you are savvy with Excel, you will notice the cells are using sums to calculate.
Bills – this account is for direct debits and consistent expenses.
Groceries – this is what you have to spend for your pay interval (food/fuel/sport etc)
Splurge – this is for your own little luxuries – aim for no more than $100/fn in order to save.
Xmas/Holidays – Self explanatory
Loans – these are for all of your debts
Purple – This account is for ‘other’ expenses but are less frequent in nature.
Extinguisher – the name says it all. Aim for $7k, as this will act as a really good buffer for emergencies such as appliances, time of work for illness etc.
Forwarded from Mel Ann
#REPOST
I have just discovered the most amazing website that is extremely user friendly.
You can search for over 370,000 support services.
From financial support, to housing, food, everyday items, domestic and family violence support, healthcare, Counselling, the list is endless.
If you need help. ASK FOR IT! Please do not ever feel ashamed or too proud to ask for help.
https://askizzy.org.au - check out this site to see support services available in your area.
Support services:
Lifeline on 13 11 14
Kids Helpline on 1800 551 800
DirectLine Victoria drug/alcohol counselling on 1800 888 236
MensLine Australia on
1300 789 978
Suicide Call Back Service on
1300 659 467
Beyond Blue on 1300 224 636
Headspace on 1800 650 890
ReachOut at au.reachout.com
Care Leavers Australasia Network (CLAN) on 1800 008 774
HeadtoHelp on 1800 595 212
Subscribe: t.iss.one/mellyann0
I have just discovered the most amazing website that is extremely user friendly.
You can search for over 370,000 support services.
From financial support, to housing, food, everyday items, domestic and family violence support, healthcare, Counselling, the list is endless.
If you need help. ASK FOR IT! Please do not ever feel ashamed or too proud to ask for help.
https://askizzy.org.au - check out this site to see support services available in your area.
Support services:
Lifeline on 13 11 14
Kids Helpline on 1800 551 800
DirectLine Victoria drug/alcohol counselling on 1800 888 236
MensLine Australia on
1300 789 978
Suicide Call Back Service on
1300 659 467
Beyond Blue on 1300 224 636
Headspace on 1800 650 890
ReachOut at au.reachout.com
Care Leavers Australasia Network (CLAN) on 1800 008 774
HeadtoHelp on 1800 595 212
Subscribe: t.iss.one/mellyann0
image_2021-11-09_12-52-30.png
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PROTEST IN FRONT OF WAs PARLIAMENT HOUSE
Teachers, health care workers, and emergency services workers have united today at the Parliament of Western Australia. They're protesting against jab mandates and the extension of "State of Emergency" legislation, which is scheduled to have a Second Reading in the Legislative Assembly at 2pm today.
Read more about the legislation here.
#UnitedWeStand
#HoldTheLine
Teachers, health care workers, and emergency services workers have united today at the Parliament of Western Australia. They're protesting against jab mandates and the extension of "State of Emergency" legislation, which is scheduled to have a Second Reading in the Legislative Assembly at 2pm today.
Read more about the legislation here.
#UnitedWeStand
#HoldTheLine
After a bit of back and forth over the location, and due consideration of positives and cautions for both, we are happy to announce the World Wide Rally for Freedom at FORREST PLACE in Perth on November 20.
#wewillallbethere
#holdtheline
#unitedwestand
#wewillallbethere
#holdtheline
#unitedwestand
Powerful info from Senator Gerard Rennick. Please share this widely 💥
Here are some of the terrible stories that are going on in our health system. Thanks to the brave whistleblowers who participated in the film for speaking up.
If you want to see the full version, click here 👇
https://linkprotect.cudasvc.com/url?a=https%3a%2f%2frumble.com%2fvp3h2w-whistleblowers-speak-on-covid-19-vaccine-injuries-long.html&c=E,1,uzZyKbuM077pAHF6cDHabTkC9MBcIm_DfE_vYIlEfABFYz_X21gHM5eJz4R_5w86TMG1uVnRrmr1lfbsj1cwptkM2w8FJKkEwj6aXhVF5inRwtVE6KXy&typo=1
If you wish to report further information please click here 👉 https://www.gerardrennick.com.au/whistleblowers
If you wish to report an adverse event please click on this link 👇
https://www.gerardrennick.com.au/vaccine-injuries
If you need further assistance with this or anything else, feel free to reach out to my office on (07) 3252 7101 or [email protected]
Here are some of the terrible stories that are going on in our health system. Thanks to the brave whistleblowers who participated in the film for speaking up.
If you want to see the full version, click here 👇
https://linkprotect.cudasvc.com/url?a=https%3a%2f%2frumble.com%2fvp3h2w-whistleblowers-speak-on-covid-19-vaccine-injuries-long.html&c=E,1,uzZyKbuM077pAHF6cDHabTkC9MBcIm_DfE_vYIlEfABFYz_X21gHM5eJz4R_5w86TMG1uVnRrmr1lfbsj1cwptkM2w8FJKkEwj6aXhVF5inRwtVE6KXy&typo=1
If you wish to report further information please click here 👉 https://www.gerardrennick.com.au/whistleblowers
If you wish to report an adverse event please click on this link 👇
https://www.gerardrennick.com.au/vaccine-injuries
If you need further assistance with this or anything else, feel free to reach out to my office on (07) 3252 7101 or [email protected]
Rumble
Whistleblowers Speak on COVID-19 Vaccine Injuries (Long)
Whistleblowers speak on mRNA COVID-19 Vaccine Injuries and Gags by Regulators. This video was not produced by AMPS but is being posted as the association vehemently rails against censorship of medical
👍1
Forwarded from WA Events and Rallies
Tomorrow happening in Mandurah
41 Ormsby Terrace Mandurah
1pm 14 NOV
Information and discussion
On our human, medical and lawful rights
Have your questions answered
https://t.iss.one/perthrallies
41 Ormsby Terrace Mandurah
1pm 14 NOV
Information and discussion
On our human, medical and lawful rights
Have your questions answered
https://t.iss.one/perthrallies
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STOP giving away YOUR power, This is not your fault, but it is your responsibility, they're not too big or too powerful. When you STEP in & stand in YOUR own POWER, YOU are the STRENGTH needed to make an IMPACT, there is nothing more powerful, than a made up mind, what butterfly effect are you in control of? What RIPPLE effect are YOU going to CREATE?
#unitedwestand
#holdtheline
#unitedwestand
#holdtheline
The_People_United,_Will_Never_Be_Divided_Electronic_Version.pdf
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FIFO Mining and Construction United have created a flyer for this Saturday's Worldwide Rally for Freedom, at Forrest Place Perth. We will be circulating a hard copy at the Rally, but please share this wonderful resource far and wide!
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Thursday night pep-talk 👊🏼
Hold on guys. Don't give in. Don't let them win!
Your health is the most important thing!
We are so close to seeing this completely fall apart! There is A LOT happening, even though it feels like it's not.
Remember, if you are genuinely experiencing stress/anxiety, go see your doctor as some people are now on weeks/months stress leave from their employment. This is very serious, especially in an industry that claims to hold high value in people's mental health.
Keep waking them up, keep holding the line!
The power of the people is stronger than the people in "power"
Love and strength to you all, see you on Saturday 👊🏼
Hold on guys. Don't give in. Don't let them win!
Your health is the most important thing!
We are so close to seeing this completely fall apart! There is A LOT happening, even though it feels like it's not.
Remember, if you are genuinely experiencing stress/anxiety, go see your doctor as some people are now on weeks/months stress leave from their employment. This is very serious, especially in an industry that claims to hold high value in people's mental health.
Keep waking them up, keep holding the line!
The power of the people is stronger than the people in "power"
Love and strength to you all, see you on Saturday 👊🏼
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VIEW IN TELEGRAM
DOOR-TO-DOOR VACCINATION IN THE PILBARA ANNOUNCED
In today's COVID-19 update press conference featuring WA Premier Mark McGowan, Vaccine Commander Chris Dawson, and Pilbara MLA Kevin Michel, a door-to-door vaccination campaign in the Pilbara was announced. Speaking in Karratha about lifting the Pilbara's lagging vax rate, Chris Dawson said:
"Rather than expect people to come to places such as this health campus, we know that some groups are staying in their homes. So that means we'll be going door-to-door, and engaging with people. And if they don't take it up the first time, because they've got some doubts, or a lack of information, we'll sit down and engage with them. And that's going to be intensive." (source)
From McGowan's comments in the press conference, it appears this measure could begin as early as this Monday (November 22nd). This is an extremely concerning announcement, given the forced vaccination provisions contained in Section 158 of WAs Public Health Act (2016).
#HoldTheLine
#UnitedWeStand
In today's COVID-19 update press conference featuring WA Premier Mark McGowan, Vaccine Commander Chris Dawson, and Pilbara MLA Kevin Michel, a door-to-door vaccination campaign in the Pilbara was announced. Speaking in Karratha about lifting the Pilbara's lagging vax rate, Chris Dawson said:
"Rather than expect people to come to places such as this health campus, we know that some groups are staying in their homes. So that means we'll be going door-to-door, and engaging with people. And if they don't take it up the first time, because they've got some doubts, or a lack of information, we'll sit down and engage with them. And that's going to be intensive." (source)
From McGowan's comments in the press conference, it appears this measure could begin as early as this Monday (November 22nd). This is an extremely concerning announcement, given the forced vaccination provisions contained in Section 158 of WAs Public Health Act (2016).
#HoldTheLine
#UnitedWeStand