Clothing and personal care: Clothing, footwear, personal care products, cosmetics, hair services and accessories (including travel goods, handbags, umbrellas, wallets, and baby-goods) for men, women, children and infants, including purchases, repairs and alterations. Essential spending on clothing (e.g. shoes, haircuts, cosmetics, personal care) for yourself and your dependants.
Higher Education, Vocational Training and Professional Fees: Higher education and vocational training fees (including TAFE, business college, drama, music, dance) excluding HECS, and professional fees (union dues, professional association subscriptions, legal, accountant and tax agent fees).
Groceries: Groceries (food and non-alcoholic beverages), toiletries and cleaning products. Typical supermarket shop (e.g. food, cleaning products and toiletries, fresh food from butchers, markets and greengrocers)
Medical and health: Medical and health care services including GPs, specialists, physiotherapists, chiropractors, and opticians. Medicines, pharmaceuticals, prescriptions, glasses, purchase or hire of therapeutic appliances and equipment, hospital charges, nursing home charges. Excludes health insurance and ambulance insurance.
Recreation and entertainment: Meals in restaurants, hotels and clubs, fast food and takeaway including coffee. Alcoholic beverages and tobacco products. Purchase, hire, repair of recreational personal belongings including electronics, computers, games consoles, AV equipment, cameras. Toys, hobbies, stationery, arts, crafts, sports, camping, fishing and recreation equipment including musical instruments, accessories and lessons. Non-subscription TV, video, games, and audio content, books, newspapers, magazines (including physical material and digital content). Recreation, gym, and health and fitness studios fees, court hire, sports lessons, admission fees and tickets (sports, theatre, gallery, museum, music events). Domestic holidays (fares, fuel, accommodation, theme parks, zoos tours). Recreational gambling, including lottery-type games, scratch cards, poker machines, club and casino gaming, and sports betting. Excludes travel insurance.
Telephone, internet, pay TV and media streaming subscriptions: Telephone accounts (home and mobile), internet, pay TV and media streaming subscriptions (such as Netflix and Spotify).
Transport: Public transport, taxis, ride-sharing and non-holiday domestic airfares (excludes overseas airfares). Running costs for essential vehicles including fuel, servicing, repairs, parking, tolls (excludes insurance) and registration of motor vehicles (excludes recreational vehicles such as caravans, trailers, motorcycles, boats and aircraft)
Optional expenses the client can then select is from Insurance, dependents, rent, board and property.
Health Insurance: Health insurance including hospital, medical and dental insurance (excludes separate ambulance insurance).
Sickness and Personal Accident Insurance, Life Insurance: Sickness and personal accident insurance, life insurance.
General Basic Insurances: include ambulance, car (not recreation vehicles), travel, and personal belongings insurance. Excludes property (house and contents), health, sickness and personal accident, life, income protection and pet insurance.
Health Insurance: Health insurance including hospital, medical and dental insurance (excludes separate ambulance insurance).
Sickness and Personal Accident Insurance, Life Insurance: Sickness and personal accident insurance, life insurance.
General Basic Insurances: include ambulance, car (not recreation vehicles), travel, and personal belongings insurance. Excludes property (house and contents), health, sickness and personal accident, life, income protection and pet insurance.