WelfareMaxxing this Budget

So, it’s Federal Budget Day, and while the government tried to ease us into their cutting of the NDIS and there being little offered directly to the poorest to help their situation, there’s a few little interesting nuggets that tell you a lot about the government of the day.

One is the news that the Feds will give payments of about $6000 to community housing providers for each person on Youth Allowance or youth rates of DSP they house. This isn’t a nice little bonus to encourage them to rent to younger people, but a payment to stop them overtly discriminating in who they give tenancies to. You see, because they can only take 30% of your payment as rent, they don’t get as much from those on youth rates so they’re more likely to give a house to an older person on DSP or Aged Pensions. Obviously since there’s such a massive waitlist (in NSW the priority waitlist has increased from 5800 households in June 2021 to 12478 now) they’re not leaving places empty.

Of course, the government could look to lessen how far behind youth are starting when trying to get rentals by increasing the payments for all adults to the same rates by payments (Youth rates go to you turn 22)… I mean the Fair Work Commission has started making changes to youth pay rates for some awards this year. I don’t see much out there being cheaper if you’re 18-21 than if you’re 22….

we worked very hard to get over a dozen Labor MPs to break ranks in the lead up to the 2023 budget, but since then have heard from MPs that they're not allowed to bring it up anymore

Jeremy Poxon (@jeremypoxon.bsky.social) 2026-05-11T03:04:21.523Z

This idealist wants to still see ALL payment rates ABOVE the poverty line. But it seems that those Labor MPs willing to break ranks to ask for such things have been told to shush, Labor doesn’t do that.

There’s talk there might be a $200-$300 tax break for all tax payers… in 12 months. Other things like shifting around tax brackets a little are always talked about – but I will of course come back to the idea that maybe lifting the tax free threshold would be a better place to start since it helps everyone on a wage and not just the top end. I’ll also add in that it’s kinda shitty that the tax free threshold is below the poverty line and they poorest lose out on tax and reduction in their welfare payments well before they peep the poverty line.

I completely understand why the government has baulked at the gas tax changes that were near certain before Israel and the US went at Iran, there are relationships to maintain and security of diesel supplies etc etc. I do think though this is why they HAVE to go bold on Capital Gains Tax and perhaps negative gearing this year, and perhaps revisit the gas takes when there’s less global uncertainty. Trump is not making an end to their trip to Iran look like it’s happening soon, even if they do ignore Israel’s intentions in Lebanon to make it the new Gaza and expand towards their Greater Israel ideal… I got petrol today and while it’s hovering about the price it was at the end of February with the excise cut, I think it’s gonna start creeping up again soon since there’s no end in sight. I don’t think Chalmers will extend the excise discount, so it’ll jump at the end of June too…

groceries in boxes and bags

Anyway, my goal at the start of the year to food blog my way through the year went quickly when mum has her strokes, and it’s been a full one, slow but long three and a bit months since. I’ve had Everyplate meals most weeks, but switched over the buying bull chicken and mince or thanking Dad for handing over his meat tray winnings other weeks – either because money’s been tighter or because I’ve felt adventurous enough to do a week’s meals myself but have regretted that about 50% of the time when that week has had long or mentally taxing days.

We’re starting to look towards what the next step is for mum, had a builder out with the OT yesterday to see what’s possible in terms of making access to the house easier and get an idea for redoing the bathroom as an open wet room. Dad and I have been starting to assist with Mum’s personal care more in the hospital and had a more formal training session with the physio on using the sling lifter today. She may need to go into a nursing home in the short term while we get the house done, but we’re still hoping to get her home full time and get the equipment and care support she needs. She’s going to get a wheelchair soon that she can then be transported in, so I’ll get Bruce onto finding a vehicle for Dad and us to transport her so we don’t have to rely on taxis.

a trolley of Aldi groceries

So, I was just back from visiting two food pantries and Aldi last week when a friend used the word “Welfaremaxxing” and I figured it could apply to us stretching our payments well beyond what most could by being creative in our purchases and other ways of feeding our families. But I would love to be able to have my meal kits to make my brain that little less taxed, and to not have to spend a whole morning using the privilege of having a car and good physical function to make sure I have enough cash to pay for the bills that can’t be worked around will free bread and zucchini.  Unlike many who can’t drive, don’t have a car, buses don’t go to the new warehouse the government’s funding for a foodbank, or are living in tents by the old station because they couldn’t get a rental and are only able to heat their food because a charity gave them a camp stove.

There’s being frugal and then there’s knowing that the government should be doing more to house and feed people rather than outsourcing it to charities and the individual.

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dog in front of houses at sunset

Budget asks and existential dread

Feeling a bit like Tweek from the 2016 South Park where President Garrison is threatening North Korea and cupcakes don’t solve the problem but I’m here making cupcakes (or muffins or whatever I throw together) feeding myself, feeding others and just trying to get through the days and weeks.

So, the Treasurer says the budget isn’t finalised, while preparing the ground for cuts to the NDIS, while disabled people just want to be supported to live. We want access to pensions that cover the rent and health care and food. We want governments and financiers to stop with the narrative of rorts, and perhaps approve the supports we know we need and know would make disabled lives worth living. We want some certainty.

We want fairer taxation. We want you to spend money housing people rather than allowing people to build their “wealth” and property portfolios while tent and caravan cities pop up.

 

I want aged and disabled care plans determined by qualified people, not an algorithm. I want the NDIS to stop fighting people who are just trying to survive. I want to know that my mother will be able to go back home after her stroke and get more than maybe one shower a week. I want to know that while I’m probably going to be my mother’s main carer, I’ll have support and equipment and extra paid supports as needed to make that a sustainable an safe undertaking for us all.

I want us to not suck up to genocidal presidents. I want to stop reading that it’s been x hours since a ceasefire started in an article about a town being bombed in Southern Lebanon.

I want a lot. Or not very much if you look at it as just wanting a rich country to support its people to live happy, healthy and dignified lives. That involves housing and welfare for all, adequate and safe disability and aged care. That involves being able to go to the GP when I need to and afford the medications I need to sustain my mental health.

I’m very much still running day by day. There’s equipment trials and a family meeting for mum on Friday. There’s helping my sister out so she can take care of her own mental health beyond what the NDIS will support her and her kids to. There’s walks with my dog and dinner and snuggles with my partner to sustain me. There’s a new Hello Kitty Island Adventure expansion pack and a mochi cafe to run. It’s about balance.

screenshot from hello kitty island aventure of a mochi cafe, a lilac cat and a ragdoll bunny

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We are saved we have banana muffins

I rarely make cakes or banana bread, and generally make muffins since they’re easier to judge if they’re cooked, already portioned and yeah, just easier.

Today I made Banana Muffins since I got a lot of bananas free yesterday. I was going to put some coconut in, but I couldn’t find a hammer, so that can wait for another time.

Banana muffins with red and white cases in the tray on a lemon print drying mat

I didn’t really use a recipe or fixed portions, but they have 3 bananas, 1.5 cups of sifted SR flour, some melted butter, 2 eggs, some brown sugar, cinnamon and some vanilla essence. Cooked for 20 mins @ 160 Fan forced.

Petrol bowser

Still going three times a week to support mum at the rehab hospital. Brought Maxi in again on the weekend to cheer people up, which is seemed to do. Petrol is crazy, isn’t it? Saw the first 91 for 264.9 today on the app! Just waiting for the diesel to tick over $3, have also seen a few stations around with only one kind of petrol left on sale and all the other numbers blacked out.

Last Thursday I was anxiously watching the petrol prices go up in Morisset as I was preparing to take my stepson to his Employment Plus appointment – that they cancelled just before we were about to leave.

💜 phonakins 🍉🌲 (@phonakins.com) 2026-03-23T20:21:59.993Z

 

When all you have is a hammer…

the unemployment will continue until morale improves

Antipoverty Centre (@antipovertycentre.org) 2026-03-17T03:52:52.112Z

Obviously not an economist, but I can’t see how pushing up the amount people with home loans have to allocate to that, while petrol is also up, isn’t just gonna lead to a severe drop in spending. Food prices and prices on other goods are also still going to keep going up due to increased transport costs, and everyone’s going to suffer. And I feel like that’s gonna lead to recession in the precious little economy? But again, not an economist, just someone surviving the cost of living crisis with a hotch potch of strategies.

AbstractThis report examines how Australia's care infrastructures, encompassing welfare, housing, food, and community support systems, are fraying and increasingly failing to meet the basic needs of those on low- or no- income. Drawing on in-depth interviews with people reliant on JobSeeker and the Disability Support Pension as well as people seeking asylum without access to income support in Central Western Sydney, the report documents the labour-intensive and precarious work required to piece together fragmented supports amid a worsenining cost-of-living crisis. It also includes the perspectives of frontline support workers and reveals how inadequate income support, unaffordable housing, and overstretched community services compound hardship and erode wellbeing, leaving individuals and organisations "holding on by a thread." Yet, the findings also highlight the creativity and mutual care that sustain life in these conditions, but that sometimes put people at risk. The report concludes that meaningful reform requires raising income support to a liveable rate, addressing housing affordability and supply, and properly resourcing community organisations to shift from crisis management to supporting people to live flourishing lives.
Surviving in a Cost-of-Living Crisis: Australia’s Fraying Care Infrastructures

It was a 5-4 decision apparently.

Free breads and stuff from the foodbank
Free carbs from the food bank

My main cost of living strategy is living off free hot cross buns of varying flavours. Good thing I’m not diabetic, only fat. Apparently the free quiches I have stashed in the freezer were also good, and I used the Latina pasta I had in there for a good few months finally last night and it went down well too.

So, the RBA is choosing to add more people to the unemployment queue. Pawns in their little game of economics. Pawns that will suffer, but whether that continues to be quietly since they’re too busy surviving, remains to be seen.

“Indexation” day this Friday, I’ll be seeing $20.50 “extra” go into my account on pension days from later next month, but it won’t stay there long. Watched the Margaritaville ep of South Park again last night from 2009, and it’s feeling like it’s going to be relevant again soon.

Indexation is not an increase, especially if we’re looking at petrol and other hikes due to war

Indexation amounts were released last week, and I’ll personally be getting $10.25 more a week in my DSP and rent assistance. See all the details in the tables here.

Social Security Payment Parameters20 March 2026 indexation Rates Pension Rates Pension — Single — Resident Component (per fortnight) Previous Amount 20 Mar 2026 Increase Basic Rate $1,079.70 $1,100.30 $20.60 Pension Supplement $84.90 $86.50 $1.60 Energy Supplement $14.10 $14.10 - Typical Total Rate $1,178.70 $1,200.90 $22.20 Note: also includes illness separated, respite care or partner in gaol. Pension — Partnered (each) — Resident Component (per fortnight) Previous Amount 20 Mar 2026 Increase Basic Rate $813.90 $829.40 $15.50 Pension Supplement $64.00 $65.20 $1.20 Energy Supplement $10.60 $10.60 - Typical Total Rate $888.50 $905.20 $16.70
Pensions from March 20
Commonwealth Rent AssistanceCommonwealth Rent Assistance — SSAct — Maximum rates Family situation (per fortnight) Previous Amount 20 Mar 2026 Increase Single $215.40 $219.40 $4.00 Single — Sharer $143.60 $146.27 $2.67 Partnered — Illness separated $215.40 $219.40 $4.00 Partnered — Temporarily separated $203.00 $206.80 $3.80 Couple $203.00 $206.80 $3.80 Commonwealth Rent Assistance — SSAct — Rent thresholds Family situation (per fortnight) Previous Amount 20 Mar 2026 Increase Single $152.00 $154.80 $2.80 Single — Sharer $152.00 $154.80 $2.80 Partnered — Illness separated $152.00 $154.80 $2.80 Partnered — Temporarily separated $152.00 $154.80 $2.80 Couple $246.20 $250.80 $4.60
Rent assistance amounts from March 20

As always, they start accumulating from March 20, so no one sees the full increase pain into their account until at least April, and not til mid-April for some. Standard single JobSeeker is getting a $15.10 a fortnight “boost” (*voms*) as the gov and media love to call it. $7.55 a week isn’t exactly a powerup.

Jobseeker Payment RatesNote: some of the following rates may apply to Special Benefit recipients. JobSeeker Payment — Single — No dependent children Component (per fortnight) Previous Amount 20 Mar 2026 Increase Basic Rate $793.60 $808.70 $15.10 Energy Supplement $8.80 $8.80 - Typical Total Rate $802.40 $817.50 $15.10 JobSeeker Payment — Single — With dependent children Component (per fortnight) Previous Amount 20 Mar 2026 Increase Basic Rate $849.90 $866.00 $16.10 Energy Supplement $9.50 $9.50 - Typical Total Rate $859.40 $875.50 $16.10 JobSeeker Payment — Single — Principal carer of a dependent child Component (per fortnight) Previous Amount 20 Mar 2026 Increase Basic Rate $849.90 $866.00 $16.10 Energy Supplement $9.50 $9.50 - Pharmaceutical Allowance $7.00 $7.00 - Typical Total Rate $866.40 $882.50 $16.10
Jobseeker rates from March 20

Of course, the ACCC had been “asked” to keep an eye on fuel prices, but that’s just about all they’ll do – watch. I can do that too. Which is why when taking the recycling this morning we went to the lil servo and garage at Mirabooka for fuel. I handed them the $50 note Dad had given me and the 5c coin from my Gudetama coin purse and topped it up.

They say we might see an interest rate rise because of the extra inflation of fuel costs and the impact that will have on food and transport costs. I’m sure that in itself will put brakes on already stretched waged-households spending, but sure throw an interest rate hike on top. Gotta play the numbers.

Nearly paid off the power bill, then it’s rego for the Corolla next month. Our  household spending is certainly not all that wild. but as long as Maxi has food and treats we’re going fine.