• 111 Callandoon Street, PO Box 687, Goondiwindi, Qld, 4390 Australia
  • 07 46 700 700
  • info@caregoondiwindi.org.au

NILS (No Interest Loan Scheme)

Do not get caught in the Pay Day Lender’s- Money Trap where you will be paying for your essential household items at much larger costing due to fees. If you are having problems with your payday lender, visit the Legal Aid QLD Web Site by clicking here to gain further information.

Stop the Money Trap by applying now for a NILS (No Interest Loan) where what it costs for the item – is what you pay NO interest fees applied – eligibility criteria for NILS loans does apply.

These are No interest loans, from $300 to $1,200 –  Amount of loan  depends on your budget and capacity to repay loan.
No Credit Checks, Minimum Repayment of $10* per fortnight (*for a $300 Loan) within a 12 month period.

NILS Loans are only available every Wednesday, you need to come into the Care Goondiwindi office to book an appointment for NILS.

Items that are eligible NILS loan Items:

* Essential household items such as white goods and furniture
* Moving house (within geographic area)
* Water tanks/pumps
* House maintenance and repairs
* Medical and dental expenses
* Orthotics, prosthetics, mobility scooters
* Car repairs
* Computers
* Vocational Educational costs.

Items that are NOT Eligible under the NILS Loan:

* Consolidation of debts
* Second-hand furniture or second-hand household items
* Purchase of vehicles
* Fines
* Christmas Expenses
* Bills
* Holiday’s; or
* Cash

The Good Guys – Good to Go items
You can purchase your essential household items such as refrigerators, freezers, washing machines etc for your NILS loan from the Good Guys and items that have the green truck attached to them, will be delivered at NO cost to you.

Talk to you NILS Worker today, to view the latest Good to Go catalogue.

Good to Go - Truck Symbol

For more information contact
Care Goondiwindi Association inc
Phone: (07) 4670 0700
E-Mail: info@caregoondiwindi.org.au

Electricity Bills
10 ways to reduce your electricity bills

1. Wear the right clothes – to avoid having to use cooling or heating systems.
2. Shut Doors and close curtains – this will ensure that heat or cooling stays in the area of your home that it is needed.
3. Set the thermostat – Set your thermostat between 18 and 20 degrees. Every degree above 20 can add 10% to your heating bill. In summer, set your thermostat to 26 degrees or above.
4. Turn heaters and coolers off when you don’t need them – Turn off when you leave the room, or go to bed.
5. Wash clothes using cold water – You can also save by making sure you select the shortest appropriate washing cycle and waiting until you have a full load.
6. Run your fridge efficiently – Make sure the door seal is tight and free from gaps so cold air can’t escape. An ideal fridge temperature is 4 or 5 degrees and an ideal freezer temperature is minus 15 to minus 18 degrees Celsius.
7. Insulate your roof – An insulated ceiling makes a big difference to your power bills.
8. Stop standby power waste – Did you know your phone charger is still using energy even when your phone is not attached? Turn off all appliances at the wall if you are not using them.
9. Save energy in the kitchen – Thaw frozen food in your fridge to reduce cooking time. When you are cooking, use the microwave when you can – it uses much less energy than an electric oven.
10. Use energy-efficient light globes – Replace old incandescent and halogen light globes with energy-efficient globes. Energy-efficient globes save power and last longer.

To learn more abut saving energy costing’s on your power bills, visit the QCOSS – Queensland Council of Social Services Web Site by clicking here.

Financial Counsellor
If you have major concerns in relation to your finances then a financial counsellor will be able to assist you with your requirements.
Financial Counsellors can
* Suggest ways to improve your financial situation
* See if you are eligible for government assistance
* Negotiate repayment arrangements with your creditors
* Explain your options and their consequences, including debt recovery procedures, bankruptcy and other alternatives
* Help you apply for a hardship variation
* Help you organise your finances and do a budget
* Refer you to other services, for example, a gambling helpline, family support, personal counselling or community legal aid

Financial counsellors can also help with the following problems:
* Debts that you are struggling to pay
* Threatening letters or harassment by debt collectors
* Debt recovery through the courts
* House eviction, disconnection of gas, electricity, phone etc
* Uninsured car accidents, taxation debts and unpaid fines

To find your closest Financial Counsellor ring 1800 007 007

Take control of your finances
For more money saving techniques to reduce your financial expense on your budget visit the Money Smart Web Site by clicking here.

Care Goondiwindi – NILS Program
Marg Jackson – NILS Worker
Tanya Lowe – NILS Coordinator/Worker

Marg

Tanya