Brotherhood of St Laurence

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Adult financial literacy in Australia : full report of the results from the 2011 ANZ Survey /

by ANZ Banking Group.

Publisher: n.p. ANZ Banking Group 2011Description: PDF.Online Access: Electronic copy Notes: December 2011 Appendices pp. 117-137Summary: This report presents key findings from the 2011 ANZ Survey of Adult Financial Literacy in Australia - the fourth Survey in a series published since 2003. Financial literacy is the ability to make informed judgements and to take effective decisions regarding the use and management of money. Financial literacy is therefore a combination of a person's skills, knowledge, attitudes and ultimately their behaviours in relation to money. To capture this concept, we focused on the behaviours that can be considered indicators of a person's financial literacy. Analysis identified five behavioural indicators: keeping track of finances, for example monitoring account statements and household expenses; planning ahead, which includes behaviours such as addressing retirement income issues, using financial advisers and using insurance; choosing financial products, for example the extent of comparison shopping for financial products and services; staying informed, for example the extent to which people make use of financial information; and financial control which includes things like control of general financial situation and debt as well as ability to save money. Having identified the behaviours that indicate a person's financial literacy, the next step was to examine which groups performed well in terms of these behaviours and which groups did not. In other words, which groups display behaviours that indicate high levels of financial literacy and which display behaviours that indicate lower levels of financial literacy? Then, to help explain differing levels of financial literacy between groups, associations with peoples' characteristics such as age, education, household circumstances, financial knowledge, numeracy and financial attitudes were examined. These explanations are not complete, but they do assist in building our understanding of the characteristics of groups in the community who may benefit from improved levels of financial literacy.Availability: (1)

Escaping the debt trap : experiences of New Zealand families accessing budgeting services /

by Edgar, Nicolette (ed.) | New Zealand. Families Commission | McCardle, Janine.

Publisher: Wellington, N.Z. New Zealand. Families Commission 2009Description: PDF.Other title: New Zealand. Families Commission. Research report ; no. 6/09.Online Access: Electronic copy Notes: December 2009Summary: This report identifies factors contributing to New Zealand families being in problem debt, the impacts of such debt, and strategies used to get out of problem debt, including the role of Budgeting Services. This research focused on family members' views on what had led to their problem debt situation, how it affected their family and what could help other families to get out of debt.Availability: (1)

Individual budgets pilot projects : impact and outcomes for carers. /

by Glendinning, Caroline | Buckmaster, Luke.

Publisher: York, U.K. Social Policy Research Unit, University of York 2009Description: PDF.Notes: URL: '' Checked: 2/06/2009 11:30:04 AM Status: Live Details: HTTP status 200 - Usual success responseSummary: Individual Budgets (IBs), piloted in 13 English local authorities, aimed to give greater flexibility, choice and control. Although primarily intended to benefit chronically sick, disabled and older people, IBs could also be expected to affect their carers. This study investigated the impact of IBs on carers in terms of assessment, support planning, costs and outcomes. Main findings include: > When carers of people with IBs were compared with carers of people using conventional services, IBs were significantly associated with positive impacts on carers' reported quality of life and, when other factors were taken into account, with social care outcomes. Positive outcomes for carers partly reflected being more able to engage in activities of their choice. IBs assessment and support planning offered more opportunities for carers' involvement than conventional social care practice. Sites varied in how help from carers was treated in calculating the monetary value of service users' IBs." -- SPRUAvailability: Items available for loan: Brotherhood of St Laurence (1).

Keeping personal budgets personal : learning from the experiences of older people, people with mental health problems and their carers /

by Newbronner, Liz | Social Care Institute for Excellence | Chamberlain, Ruth | Bosanquet, Kate | Bartlett, Chris | Sass, Bernd | Glendinning, Caroline.

Publisher: London, U.K. Social Care Institute for Excellence 2011Description: PDF.Other title: Social Care Institute for Excellence. Adult services report ;.Online Access: Electronic copy Notes: February 2011 Bibliography : p. 89-90Summary: This report presents findings from research into the experiences of using personal budgets for older people, people with mental health problems and their carers, with suggestions for good practice and future improvement. The research indicated a number of steps which can be taken to avoid personal budgets becoming too administrative and complex and to promote person-centred working.Availability: (1)

Low wage earners in Australia /

by Burbidge, Andrew | Maas, Frank | Khoo, SiewEan | Gondor, George.

Publisher: unpub. 1988Description: 29 leaves.Online Access: DOWNLOAD PDF Notes: A report prepared for the Brotherhood of St Laurence by the Australian Institute of Family StudiesAvailability: Items available for reference: BSL Archives (1).

Many faces of saving : social dimensions of Saver Plus /

by Bodsworth, Eve | Brotherhood of St Laurence.

Publisher: Fitzroy, Vic. Australia and New Zealand Banking Group Limited 2011; Brotherhood of St Laurence 2011Description: 48 p.: ill.Online Access: Electronic copy Notes: Saver Plus is an initiative of the Brotherhood of St Laurence and ANZ. The program is funded by ANZ and the Australian Government Department of Families, Housing, Community Services and Indigenous Affairs, with ANZ providing matched savings for participants. The program is delivered in partnership with The Smith Family, The Benevolent Society and Berry Street. Local community organisations also deliver Saver Plus including Anglicare SA, Anglicare WA, BGT, Bethany Community Support, Jewish Care Victoria and Haven.Summary: A small qualitative study of Saver Plus, a matched savings program designed to assist low-income Australians to build assets and improve their financial capability, explored the social and economic context in which the participants attempted to save money and manage their finances. It also shed light on the constraints to saving faced by individuals and families. The study includes recommendations for improving the Saver Plus program, and for broader policy reform.Availability: Items available for loan: Brotherhood of St Laurence (1).

No loose change: a study of the income and expenses of low-income families /

by Backman, Helen.

Publisher: Action and Resource Centre Co-operative Ltd 1988Description: 97p.Online Access: DOWNLOAD PDF Notes: May 1988Availability: Items available for reference: BSL Archives (1).

Personalisation, productivity and efficiency /

by Carr, Sarah | Social Care Institute for Excellence.

Publisher: London, U.K. Social Care Institute for Excellence 2010Description: PDF.Other title: Social Care Institute for Excellence. Adult services report ;.Online Access: Electronic copy Notes: December 2010 Bibliography : 31-33Summary: This brief report examines the potential for personalisation, particularly the mechanism of self-directed support and personal budgets, to result in costefficiencies and improved productivity as well as improved care and support, resulting in better outcomes for people's lives. It provides an overview of some emerging evidence on efficiency from the implementation of personalisation so far.Availability: (1)

Updating and extending indicative budget standards for older Australians : final report. /

by Saunders, Peter | Patulny, Roger | Lee, Adeline.

Publisher: Sydney, N.S.W. Social Policy Research Centre. University of New South Wales 2004Description: 52 p.Online Access: Electronic copy Notes: January 2004 Includes bibliographical referencesAvailability: (1)

Using budget standards to assess the well-being of families. /

by Saunders, Peter.

Publisher: Sydney, N.S.W. Social Policy Research Centre. University of New South Wales 1998Description: 36 p. ; 21 cm.Online Access: Electronic copy Notes: December 1998 This paper was presented at the 6th Australian Institute of Family Studies Conference, `Changing Families, Challenging Families', Melbourne, 25-27 November 1998Availability: (1)

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