Monders Care Centre

Services and Resources

Ormond JFC’s Child Safety Officer, Kirstie Edwards, also has years of experience in managing family services, allied and mental health teams.  She understands that during these uncertain times some parents might prefer to speak directly to gain the best advice for their situation.

Kirstie is kindly donating her time to enable this, and confidentiality of information shared is ensured (in line with legislation).


To contact Kirstie, please email mentor@ormondjfc.com.au  or phone 0478 310 145 

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FREE Store Vouchers

We have free supermarket vouchers available to club families who need assistance with basic necessities.  In the strictest of confidence, please contact Kirstie on 0478 310 145 or email mentor@ormondjfc.com.au 

Download Care Guide

 The following PDF contains links to resources and services plus support available to us all during these times of uncertainty. Click the DOWNLOAD button for your copy.

OJFC Care Guide - Service and Resources (pdf)

Download

Financial Tips

Financial Tips From the OJFC Treasurer

Control Your Expenditure

Review and eliminate all "idle" expenditure.  For example, that gym membership you rarely use.  While food, utility bills, health care and many other costs are essentials, review discretionary expenditure and just spend where it means something to you and makes a difference.   Certainly, buy a take away coffee a few times a week if that's something you really enjoy, but if you're buying 2 each day calculate the weekly and monthly cost - you might be shocked.

To identify discretionary expenditure, sit down and list all the things you spend money on.  If you pay most of your bills on credit card review the last 6 months of statements and make some decisions.  Ensure you are never spending more than you earn.  Visit the government MoneySmart website to find out more about budgeting, and good money management.  There are also resources to assist those in financial distress. 

Eat More at Home

Eat more at home - reduce take away and eating out.   Plan your meals for the week ahead and create your shopping list to achieve this.

It's amazing how popping out to grab some milk can turn in a $100 event.  Just get what you need – use your list and stick to it.  Try to limit how many times you go to the shops for food items – every visit increases your spend.  Eat first, then go to the supermarket.  Studies show we buy more than we need when we go to the shops hungry.


​Review Your Insurances - Get A Better Deal!

Shop around for your car, house and contents or private health insurance - you may be surprised how much you can save.

Personal life insurances or income protection insurance can often be purchased via superannuation.  Speak with your super fund to see if you can obtain this in super instead of paying the premiums yourself.   Speak to the experts in our IAW team for some feedback on this if you need to.


Work With Your Bank to Control Your Financial Commitments

The 4 major banks have announced measures to assist customers.  If you have a mortgage, some may let you move to interest only payments for a while.  Others may entertain a repayment holiday for a number of months.  Speak with your lender/loan broker and see if you qualify.  Many banks are also offering super low rates on 2-3 year fixed loans which may help if there's an opportunity for you to refinance some or all of your loan.

Save high interest costs on credit cards by considering using redraw capacity on your home loan to pay off credit cards.  Then reduce your credit limits or chop up your cards - don't spend money you don't have.

Similarly avoid temptation using buy now pay later schemes to purchase goods at shops or on-line.  The cost of not meeting the 4 regular payments is extreme and again you are spending money you don't have and therefore may not be able to repay.


Make Sure You Know What Help You Can Access

Ensure you take advantage of any Centrelink or Taxation benefits.  Family tax benefit can be claimed as a fortnightly payment to assist with the cost of raising children.  Speak with your accountant or Centrelink to discuss how it works. 

Benefits such as rental allowances should be explored and the government has announced Jobseeker payments will be doubled for those who are now out of work due to COVID-19


How to Protect Your Cash Flow Temporarily

If you rent, speak with your landlord about reducing the rent temporarily.  Most property investors would rather retain a great tenant than not earn an income at all on their investment property.

Contact service providers who issue large annual or quarterly invoices (council rates, insurance companies, energy providers, etc) and see if you can move to monthly payments.  Beware of any fees or extra costs, but it may help with cash flow.

Speak to your family about your situation and what measures that you want to put in place and why.  You will need to pull together to help and support each other at this time. 

Speak with your kids – especially if they often have their hands out.  We all want the best for our kids but meeting constant demands for the best brands and most expensive shoes might need to be moderated.  It also may be a great opportunity to educate your children about basic money management and the value of money.

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FREE Store Vouchers

We have free supermarket vouchers available to club families who need assistance with basic necessities.  In the strictest of confidence, please contact Kirstie on 0478 310 145 or email mentor@ormondjfc.com.au 

Download Care Guide

 The following PDF contains links to resources and services plus support available to us all during these times of uncertainty. Click the DOWNLOAD button for your copy. 

OJFC Care Guide - Service and Resources (pdf)

Download