Card 1
1. Never married
2. Widowed
3. Divorced
4. Separated
5. Married (in a registered marriage)
6. De facto
7. Single or not married
Card 2
Real estate, government, or community:
1. Real estate agent
2. State or territory housing authority
3. Community housing provider
Person not in the same household:
4. Parent or other relative
5. Other unrelated person
Residential park:
6. Owner or manager of a residential park (including caravan parks and manufactured home estates)
Employer:
7. Government (including Defence Housing Australia)
8. Other employer
Other:
9. Other (please specify)
Card 3
1. Water and sewerage rates
2. General council rates
3. Combined water and general council rates (on the same bill)
5. None of these
Card 4
Include for water rates
- Any charges if part of the rates notice
- Payments for permit (e.g. for access to river water)
- Water rates and sewerage, drainage charges, sewerage pedestal charges
- Any other water use charges
Include for general rates
- Charges for services such as sanitary or rubbish collection, wheelie bin services and council rates
- Fire levy, charges for road construction and other local council charges and fees
Card 5
1. Water and sewerage rates
2. General council rates
3. Combined water and general council rates
4. Body Corporate
5. Land tax
6. None of the above
Card 6
Government, community, or real estate:
11. Real estate agent
12. State or territory housing authority
13. Community housing provider
Person living in the same household:
14. Parent or other relative
15. Other unrelated person
Person not in the same household:
16. Parent or other relative
17. Other unrelated person
Residential park:
18. Owner or manager of a residential park (including caravan parks and manufactured home estates)
Employer:
19. Government (including Defence Housing Australia)
20. Other employer
Other:
21. Other (please specify)
Card 7
1. Mains electricity
2. Mains gas
3. Bottled gas (excluding outdoor use only)
4. Wood
5. Solar (solar electricity or solar hot water)
6. Oil
7. Other (please specify)
Card 8
1. Loans or mortgages to buy, build, or make alterations or additions to this property, or other properties (excluding rental properties)
2. Personal loans
3. Hire purchase
4. Loans for holidays
5. Motor vehicle loans
6. Any other loans or mortgages (excluding business or investment loans, credit cards or store account loans)
7. No / None
Card 9
Include:
- Pay Day Loans
- Revolving Credit
- Loans from finance companies or stores with an interest free period
- Lease agreements where the goods are being (or intended to be) purchased
- Loans from friends and relatives (with or without interest)
- Loans held overseas
Exclude:
- Credit cards
- Buy Now Pay Later accounts
- Business loans
- Investment loans
- Rental or leasing loans
- Rental or leasing arrangements (e.g. cars under salary sacrifice)
- Store account loans
- Advance payments e.g. from Centrelink
- Loans from friends and relatives with no repayments and no commitment
- Loans from persons in the same household
Card 10
Exclude:
- Advance payments, e.g. from Centrelink
- Business and investment loans
- Rental property loans
- Credit cards
- Buy now, pay later
Note: Refer to your financial records to help you answer (e.g. loan statements)
Card 11
This property:
1. To buy or build this property
2. For alterations and additions to this property
Other property:
3. To buy or build other property
4. For alterations and additions to other property
Other:
5. To buy motor vehicles
6. For a holiday
7. For another purpose (Please specify)
Note: Exclude loans originally taken out to buy or build the home you are living in, that have since been extended so that most of the value of the loan is now for another purpose.
Card 12
10. Spend more money than I/we get
11. Just break even most weeks
12. Able to save money most weeks
13. Cannot be compared to 12 months ago
Card 13
1. Better than 2 years ago
2. The same as 2 years ago
3. Worse than 2 years ago
4. Cannot be compared to 2 years ago
Card 14
Please select all that apply:
1. Have a holiday away from home for at least one week a year
2. Have a night out once a fortnight
3. Have friends or family over for a meal once a month
4. Have a special meal once a week
5. Buy new and not second hand clothes, most of the time
6. Spend time on leisure or hobby activities
7. No / None of these
Card 15
Please select all that apply:
1. Pawned or sold something
2. Went without meals
3. Went without dental treatment when needed
4. Were unable to heat or cool at least one room of the home
5. Sought financial assistance from friends or family
6. Sought assistance from welfare or community organisations
7. None of the above
Card 16
Please select all that apply:
1. Electricity, gas, telephone or internet bills
2. Mortgage or rent payments
3. Car registration or insurance
4. Home and/or contents insurance
5. Minimum payment on credit card
6. None of the above
Card 17
Please select all that apply:
1. Followed a budget
2. Saved regularly
3. Paid more than the minimum payment required by credit card company or loan provider
4. Made more than the minimum home loan repayments
5. Made voluntary contributions towards superannuation
6. Received financial information, counselling or advice from a professional (including Centrelink, welfare and community organisations and financial planners)
7. None of the above
Card 18
10. Unpaid voluntary work
11. Unpaid trainee work or work placement
12. Contractor or Subcontractor
13. Own business or Partnership
14. Commission only
15. Commission with retainer
16. In a family business without pay
17. Payment in kind
18. Paid by the piece or item produced
19. Wage or salary earner
20. Other
Card 19
11. Unpaid voluntary work
12. Unpaid trainee work
13. Contractor or Subcontractor
14. Own business or Partnership
15. Commission only
16. Commission with retainer
17. In a family business without pay
18. Payment in kind
19. Paid by the piece or item produced
20. Wage or salary earner
21. Other
Card 20
Please select all that apply:
1. Advertised or tendered for work
2. Contacted friends or relatives
3. Only looked in newspapers, on the internet or checked notice boards, and/or only registered with Centrelink as a jobseeker
4. Other
5. None of the above
Card 21
1. Less than 2 years ago
2. 2 years to less than 5 years ago
3. 5 years or more ago
Card 22
1. Less than 2 years ago
2. 2 years to less than 5 years ago
3. 5 years or more ago
4. Have never worked
Card 23
Please select all that apply:
1. Superannuation (above compulsory 11%)
2. Housing (rent or mortgage)
3. Meals or entertainment
4. Household or personal bills (e.g. health insurance, credit cards, gym memberships, school fees and living expenses)
5. Motor vehicle
6. Car parking
7. Computer and/or phone
8. Other (please specify)
9. No salary sacrifice arrangement
Card 24
Please select all that apply:
11. Superannuation from your employer (above the minimum 11%)
12. Motor vehicle or motor vehicle running costs
13. Computer (for personal use)
14. Childcare
15. Phone or contribution to personal phone costs
16. Housing (free or discounted)
17. Car park
18. Shares
19. Low interest loans
20. Other (please specify)
21. No non-cash items
Card 25
Include:
- Total gross pay
- All amounts that have been salary sacrificed
- Income from own incorporated business
- Total pay from wages / salary / leave and workers compensation
- In cases of new job / contract – what you expect to be paid
Exclude:
- Dividends
- Mileage or car allowance
Card 26
1. Service Pension from the Department of Veterans’ Affairs
2. Disability Pension from the Department of Veterans’ Affairs
3. War Widow(er)’s Pension from the Department of Veterans’ Affairs
5. No, none of these
Card 27
10. Age Pension
11. JobSeeker Payment
12. Centrelink Disability Support Pension
13. Carer Payment
14. Youth Allowance
15. Austudy / ABSTUDY
17. Special Benefit
20. No, none of these
Card 28
Please select all that apply:
10. Family Tax Benefit (FTB)
11. Parental Leave Pay (PLP)
12. Dad and Partner Pay (DAPP)
13. Parenting Payment
14. Carer Allowance
15. Carer Supplement
16. Pensioner Education Supplement
17. Mobility Allowance
18. Pension Supplement
19. Energy Supplement
20. Other Government payment (please specify)
21. No, none of these
Card 29
1. DVA Commonwealth Seniors Health Card
2. Centrelink Commonwealth Seniors Health Card
3. Neither of these
Card 30
Include:
- Scholarships from government or private organisations.
- Scholarships received in the previous financial year but which still support current study.
- Scholarships from overseas.
Exclude:
- Austudy/Abstudy
- Youth Allowance
Card 31
Include:
- Accounts with retirement benefit schemes
- Self-managed superannuation funds
- DIY super schemes
- Self-managed super funds (SMSFs) and SMSFs set up as trusts
- Retirement schemes, provident funds, and pension schemes such as CSS
- Defence Force Retirement and Death Benefits (DFRDB) and subsequent military superannuation schemes.
Exclude:
- Centrelink and DVA social security payments.
- Foreign social security payments
Card 32
1. Allocated pension
2. Lifetime guaranteed pension
3. Term annuity
4. Transition to retirement pension (TTR)
5. Other pension
Card 33
Please select all that apply:
1. Bank accounts (including savings, cheque and term deposit accounts, etc.)
2. Offset accounts
3. Debentures, bonds and/or securities
4. Shares and stocks
5. Public unit trusts (such as cash management, property, equity trusts, managed funds etc.)
6. Loans to persons not in this household
7. Any other financial investments (excluding superannuation and rental properties) (please specify)
8. No / None of these
Card 34
Please select all that apply:
1. Child support or maintenance
2. Workers’ compensation
3. Accident or sickness insurance
4. No / None of these
Card 35
Include:
- Rent
- Education
- Childcare
- Food
- Clothing
- Car registration and running costs
- Bills (e.g. electricity, gas, phone)
Exclude:
- Loans and mortgages or home loans
- Inheritances
- Help paying off debt
- Help to buy property or cars
Card 36
Include:
- Third job
- Army Reserve pay
- Additional scholarship(s)
- Student allowance received regularly from
- family overseas
Exclude:
- Lottery or gambling wins, inheritance,
- sale of assets and other windfall gains
- Lump sum retirement benefits
- Income received from other household members
- Income reported elsewhere
- Non-life insurance claims
- Withdrawals from savings and loans obtained
- Repayment of loans
- Capital gains or losses resulting from changes in the value of financial and non-financial assets and liabilities.
Card 37
Include:
- Rent
- Education
- Childcare
- Food
- Clothing
- Car registration and running costs
- Bills (e.g. electricity, gas, phone)
Exclude:
- Loans and mortgages or home loans
- Inheritances
- Help paying off debt
- Help to buy property or cars
Card 38
Examples of credit cards and charge accounts
- VISA credit cards
- MasterCard credit cards
- American Express
- Diners Club
- Store account cards (e.g. Myer or BP)
Exclude:
- Debit cards (e.g. Visa Debit, MasterCard Debit)
- ‘Buy Now Pay Later’ accounts (e.g. Afterpay, Zip, Klarna)
Card 39
Examples of ‘Buy Now Pay Later’ accounts
- Afterpay
- Zip Pay/Zip Money
- OpenPay
- Humm
- Klarna
- Splitit
- Sezzle
Exclude:
- Credit cards
- Debit cards
- Store account cards
- Hire purchase agreements
- Loans from finance companies or stores with an interest free period
- PayPal
- Google/Apple Pay
Card 40
School
1. Year 1, Grade 1 or higher
2. Kindergarten, Preparatory, Reception, Pre-primary, Transition
Non-School
3. Preschool or Kindergarten
Other year or grade
4. Other (please specify)
Card 41
Please select all that apply:
1. Outside school hours care (OSHC)
2. Long day care
3. Family day care
4. Occasional care
5. Vacation care
6. Registered in-home care or qualified nanny
7. Other formal care (please specify)
8. None of these
Card 42
‘Formal care’ refers to any care eligible for the Child Care Subsidy to reduce the cost of care for the child’s parent or guardian.
- Outside school hours care (OSHC) is generally available for primary school-aged children but some younger children are also eligible.
- Long day care is a centre-based form of child care service providing all-day or part-time care for children.
- Family day care is a network of caregivers who provide care in their own homes.
- An occasional care centre provides short periods of care for children under school age. Care is usually provided at a centre on an hourly or sessional basis for short periods or at irregular intervals.
- A vacation care service provides care to school aged children during school holidays.
- A registered in-home care / qualified nanny provided by a qualified childhood education and care provider registered with an agency and is subsidised by the government.
Card 43
Please select all that apply:
1. Outside school hours care (OSHC)
2. Long day care
3. Family day care
4. Occasional care
5. Vacation care
6. Registered in-home care or qualified nanny
7. Other formal care
8. None of these
Card 44
Please select all that apply:
1. Shortness of breath
2. Chronic or recurring pain
3. A nervous or emotional condition
4. Memory problems or periods of confusion
5. Social or behavioural difficulties
6. Long term effects as a result of a head injury, stroke or other brain damage
7. Receiving treatment or medication for any other long-term condition
8. Any other long-term condition (such as arthritis, asthma, heart disease etc.)
9. None of the above
Card 45
Please select all that apply:
11. Sight problems not corrected by glasses or contact lenses
12. Hearing problems
13. Speech problems
14. Blackouts, seizures or loss of consciousness
15. Difficulty learning or understanding things
16. Limited use of arms or fingers
17. Difficulty gripping things
18. Limited use of legs or feet
19. Any condition that restricts physical activity or physical work (e.g. back problems, migraines)
20. Any disfigurement or deformity
21. Any mental illness for which help or supervision is required
22. None of the above