ORIMA Research
Department of Families, Housing, Community Services and Indigenous Affairs (FaHCSIA)

Evaluation of the Child Protection Scheme of Income Management and Voluntary Income Management Initiatives in Western Australia
Appendix C: Income Management and Non-Income Management client questionnaires
September 2010

SURVEY OF INCOME MANAGEMENT PARTICIPANTS
QUESTIONNAIRE – FOR USE FACE-TO-FACE AND BY PHONE

Introduction
Good morning/afternoon.  My name is [SAY NAME] from ORIMA Research.

We have been commissioned by the Australian Government (FaHCSIA) to conduct an evaluation of Income Management, which is being trialled here in Western Australia.  The purpose of the evaluation is to hear your views on how income management has affected you and how the program can be improved.

The interview should last for around 20-30 minutes.

What will the interview involve?
In the interview you will be asked questions about how you found the process of starting and being on income management, your spending habits, and how income management has affected you, your children and your family.  So some of the questions are a bit personal, but we’re asking them so we can understand more about how Income Management is working for people like you and the experiences you’ve had on the program.

What will be done with the information?
The information you provide in the survey will help the Government improve income management services and decide how the program will be run in the future.  

The results of the research may be published in a report or other publications.  You can get a summary of the results at your request. If you would like to be sent a summary of the research results, please let me know.  All information you provide in the survey is confidential.  Your name, address, and contact details will not be identified at any time.  

Participation is Voluntary
The benefit of participating in the evaluation of income management is that you get to have a say about how income management has gone so far and how it can be improved.  While we would greatly appreciate hearing your views, participating in the interview is not compulsory.  You can choose whether to participate in the interview.  If you choose not to participate there will be no consequences for you and it will not affect your Centrelink payments or service as an income management participant.  You can also choose not to answer any question. You can decide to stop participating in the interview at any time, and you do not have to provide a reason.  

If you would like to discuss any aspect of the interview or the survey, or the information you gave, please feel free to contact Natalie Arkle at ORIMA Research on our toll free number 1800 883 345. 

Access to Centrelink Data
We would also like your approval to access the information that Centrelink has on you.  This is just so that we can ensure we have correct information on your payments and other demographic data for research purposes.  We’re not interested in checking up on you, and your information won’t be used for anything other than this research.  Once we have access, your identity will be removed and on completion of the research all information will be destroyed.  If that’s OK, can you please sign below. [For Telephone interviews oral consent will need to be recorded below.]

Respondent Consent to Access Centrelink Data
I consent to ORIMA Research being given access to information on me held by Centrelink, for the purpose of conducting this research.

Respondent Signature: 

Respondent Name: 

Date:    /     / 2010

Thank you for taking the time to participate in the study.

Interviewer to complete before signing.

I have informed the respondent of the purpose of the research and their rights.	
	
I have informed the respondent that their identity will be kept confidential and that any information they supply will only be used for the purposes of the research.	
	
I have informed the respondent of their right to stop the interview at any time and / or ask that the information I’ve given not be used by contacting ORIMA Research.                      	
	
The respondent has consented to participating in the evaluation of income management measures in Western Australia.

Signature: 

Interviewer Name: 

Date:     /       / 2010

TIME INTERVIEW COMMENCED     :     

INTERVIEWER NOTE:
Current IM Customers complete sections A, B and C
Lapsed IM Customers complete sections A, B, D and E

SECTION A:
Customer Demographics
THIS SECTION IS FOR ALL PARTICIPANTS

A1.	[Interviewer to indicate gender of participant]
		
	Female	1	
	Male	2	

A2.	Were you...		
	Born in Australia	1	
	Born overseas (specify country          ) GO TO A4	97	

IF BORN IN AUSTRALIA, ASK:
A3.	Are you of Aboriginal and/or Torres Strait Islander origin? 		
	No	1	
	Yes, Aboriginal 	2	
	Yes, Torres Strait Islander	3	
	Yes, both	4	
	Refused	99	

A4.	What is your date of birth? 	
	Date of Birth	
OR	
Age	

       /        /         	

	

A5.	What town or suburb do you live in?  		
		97	

INTERVIEWER NOTE FOR QUESTION A6:
For the purposes of this survey a respondent is regarded as ‘caring’ for a child if the child is living with the respondent at least one day per week on an ongoing basis  OR  if the child lives with them 7 days per week for at least one month per year  AND  the respondent self-nominates as caring for that child.

A6.	Do you care* for any children? 		
a.		Yes	1	
b.		No  [go to A11]	2	

A7.	How many children, if any, do you care for?      	1	

A8.	How old [are/is] the [child/children] you care for?
WRITE AGE IN COLUMN A8 BELOW	1	
A9.	Which, if any of these children, are not your biological or adoptive children?
MARK IN COLUMN A9 BELOW	1	
A10.	Do you have any biological or adoptive children that are cared for by someone else?  If so, what are their ages 
WRITE AGE IN COLUMN A10 ON NEW LINES BELOW	1	
	(A8) Age	(A9) Non-biological children?	(A10) Other biological/adoptive                                        children cared for by others?	
Child 1				
Child 2				
Child 3				
Child 4				
Child 5				
Child 6				
Child 7				
Child 8				

A11.	Are you currently on income management?		
a.		Yes 	1	
b.		No  [go to A15]	2	

A12.	What type of income management are you currently on?
READ OUT IF NECESSARY		
	Voluntary Income Management	1	
	Voluntary Income Management With Consent	2	
	Compulsory Income Management	3	

A13.	How long have you been on this form of Income Management for?		
	     months  OR      weeks	97	

IF CURRENTLY ON COMPULSORY OR VOLUNTARY WITH CONSENT INCOME MANAGEMENT ASK:
A14.	After you finish compulsory or voluntary with consent income management, would you consider going onto voluntary income management?		
	Yes	1	
	No	2	
	Maybe / depends  ....INTERVIEWER ASK: on what does it depend?      
	97	
	Don’t know	99	

A15.	[Not counting the current time], how many times have you been on income management before?		
	None  [go to A18]	1	
	Once	2	
	Twice	3	
	More than twice - how many times?       	4	

IF HAVE BEEN ON INCOME MANAGEMENT PREVIOUSLY, ASK:
A16.	What type of income management were you on previously?		
	Voluntary	1	
	Voluntary with consent	2	
	Compulsory	3	
	All of the above	4	
	Don’t know/not sure	99	

A17.	So, in total, how long have you been on Income Management for?		
	     months  OR      weeks	97	

A18.	Considering the total time you have been on income management, for most of this time have you lived in:		
	The Kimberley 	1	
	Perth or surrounding areas	2	
	Both the Kimberley and Perth or surrounding areas	3	
	Other (please specify)     	97	

A19.	Do you live with anyone else who is on income management?		
	Yes 	1	
	No  [go to A21]	2	

A20.	What is your relationship to them? 
(For example, are they your: father, mother, husband, wife, boyfriend, girlfriend, sister, brother, aunt, uncle etc.)
ACCEPT MULTIPLE RESPONSES
		
	     	97	

A21.	Where did you FIRST hear about income management? 
SINGLE RESPONSE ONLY		
	Centrelink	1	
	Community Organisation (for example: St Vincent De Paul)	2	
	A Financial Counsellor (for example: Jacaranda)	3	
	A DCP Case worker	4	
	Family member or a friend	5	
	Community leader	6	
	Advertising material (for example: posters, postcards)	7	
	Video /DVD	8	
	Radio, Television or Newspaper	9	
	Communication Information session	10	
	Other (please specify):     	97	
	Don’t know	99	

A22.	Where ELSE have you got information on income management from? 
ACCEPT MULTIPLE RESPONSES		
	Centrelink	1	
	Community Organisation (for example: St Vincent De Paul)	2	
	A Financial Counsellor (for example: Jacaranda)	3	
	A DCP Case worker	4	
	Family member or a friend	5	
	Community leader	6	
	Advertising material (for example: posters, postcards)	7	
	Video /DVD	8	
	Radio, Television or Newspaper	9	
	Communication Information session	10	
	Other (please specify):     	97	
	Nowhere else / Don’t recall	99	

A23.	Do you have any ideas why the Government has introduced income management?  
ACCEPT MULTIPLE RESPONSES   DO NOT ASSIST		
	To make sure money is available for priority needs	1	
	To prevent people from pressuring me for my money/humbugging	2	
	To help pay bills	3	
	To help me look after my children, family, or myself	4	
	Other (please specify)
     	97	
	Don’t know	99	

SECTION B – PRIOR TO INCOME MANAGEMENT
This section refers to the period before the individual went on income management
THIS SECTION IS FOR ALL PARTICIPANTS

INTERVIEWER NOTE FOR QUESTION B1:
For any items indicated at B1 – Col A, if respondent say they happened “constantly” or “all the time” encourage respondent to quantify, but if they cannot, write in “CONSTANTLY” in Col B.

B1.	In the year before going on Income Management (for the first time) did any of the following things happen to you?  [CIRCLE IN Col A]	Col A	Col B	
	FOR ANY ITEMS INDICATED ASK:
How many times did each of these happen to you in the past 12 months?  [WRITE NUMBER IN Col B]
ENCOURAGE BEST GUESS			
A	Ran out of money to buy food	1	     	
B	Did not have money to pay a utility bill when it was due	2	     	
C	Did not have money to pay another bill or debt when it was due	3	     	
D	Did not have money to pay rent on time	4	     	
E	Could not pay for things that my child/children needed for school, like books	5	     	
F	Could not pay for essential (non-food) items for my children, such as nappies and  medicine	6	     	

IF ANY OCCURENCES AT B1, ASK:
B2.	(In general) when this happened to you how did you manage to pay for what you needed?

PROBE FULLY
ACCEPT MULTIPLE RESPONSES		
	I borrowed money	1	
	Started budgeting and eventually saved the money	2	
	I went without	3	
	I went to a financial counsellor for help	4	
	Sought assistance from a charity (e.g. Salvation Army) or community organisation	5	
	Had debt waived or was able to defer payment	6	
	Sold things to raise money	7	
	Someone gave me the money	8	
	Other     	97	

B3.	In the year before going on Income management (for the first time) were you able to regularly save money?
		
	Yes	1	
	No [go to B5]	2	
	Can’t recall / Don’t know	99	

B4.	What kind of things did you save money for?		
	     	97	

B5.	Before you were on income management, were you using Centrepay deductions?		
	Yes	1	
	No	2	
	Can’t recall / Don’t know	99	

SECTION C – DURING INCOME MANAGEMENT
This section is for individuals currently on income management, Individuals no longer on income management proceed to SECTION D

IF EVER ON VOLUNTARY (NOT VOLUNTARY WITH CONSENT) INCOME MANAGEMENT, ASK:
C1.	Why did you volunteer to go on income management?
     	97	

IF EVER ON COMPULSORY (OR VOLUNTARY WITH CONSENT) INCOME MANAGEMENT ASK:
C2.	Now I’d like you to think back to when you first met with a DCP officer to talk about income management.  After that meeting did you...?	Yes	No	
A	CLEARLY understand why you were going on income management	1	2	
B	CLEARLY  understand what would happen to you next	1	2	

IF EVER ON COMPULSORY (OR VOLUNTARY WITH CONSENT) INCOME MANAGEMENT ASK:
C3.	How long was it between when you saw your DCP Caseworker and when you had your Centrelink interview about Income Management? 		
	     weeks      days	97	
	Don’t know / can’t recall	99	

ASK ALL:
C4.	Now I’d like you to think back to when you first met with a Centrelink officer to talk about income management .  After that meeting did you... 	Yes	No	
A	CLEARLY understand why you were going on income management	1	2	
B	CLEARLY understand how income management would work	1	2	
C	Know that you could change what priority items your income managed money was spent on each fortnight (that is, how your IM money was allocated to different essential items)	1	2	
D	That you could use a free financial counselling service	1	2	

C5.	What percentage of your Centrelink payment is income managed? 
DO NOT READ OUT		
	50%	1	
	70%	2	
	All 	3	
	Other     	97	
	Don’t know	99	

IF ‘DON’T KNOW’ AT C5 ASK:
C6.	Is it ...?		
	Less than half	1	
	About half	2	
	Most 	3	
	All	4	
	Don’t know	99	

ASK ALL:
C7.	Since starting income management have you attended, or do you plan to attend, a financial counselling or money management service?		
	Yes 	1	
	No [Go to C11]	2	
	Not yet, but I intend to	3	
	Don’t know/refused	99	

IF HAVE ATTENDED OR PLAN TO ATTEND AT C7, ASK:
C8.	Why did you decide to go?	Multiple response	
	Centrelink suggested/referred me	1	
	Because I thought it would help me	2	
	Someone else said I should go	3	
	Thought I had to go/no choice	4	
	Other (please specify):     	97	

C9.	Did attending the financial counselling or money management service give you skills so that you could manage your money better?		
	Yes 	1	
	No	2	
	Unsure/ Don’t know	99	

IF YES AT C9, ASK:
C10.	What skills did the financial counselling or money management service give you?		
	     	97	

IF HAVE NO INTENTION TO ATTEND COURSE AT C7, ASK:
C11.	Why haven’t you gone to a financial counselling or money management service?	Multiple response	
	Just haven’t got around to it yet	1	
	Have arranged an appointment but not yet attended	2	
	Didn’t understand what it was about	3	
	Too far away / transport is too expensive	4	
	Can’t find the time / too busy	5	
	I have family responsibilities that prevent me from going	6	
	Don’t think it will be useful / waste of time	7	
	I don’t need skills because I have my money managed for me now	8	
	Other (please specify):___________________________________	97	
	Don’t know	99	

INTERVIEWER NOTE FOR QUESTION C12:
For any items indicated at C12 – Col A, if respondent say they happened “constantly” or “all the time” encourage respondent to quantify, but if they cannot, write in “CONSTANTLY” in Col B.

C12.	Since being on Income Management have any of the following things happened to you?  [CIRCLE IN Col A]	Col A	Col B	
	FOR ANY ITEMS INDICATED ASK:
How many times have each of these happened to you since being on Income Management?     [WRITE NUMBER IN Col B]
ENCOURAGE BEST GUESS			
A	Ran out of money to buy food	1	     	
B	Did not have money to pay a utility bill when it was due	2	     	
C	Did not have money to pay another bill or debt when it was due	3	     	
D	Did not have money to pay rent on time	4	     	
E	Could not pay for things that my child/children needed for school, like books	5	     	
F	Could not pay for essential (non-food) items for my children, such as nappies and  medicine	6	     	

IF ANY OCCURENCES AT C12 ASK:
C13.	(In general) when this happened to you how did you manage to pay for what you needed?

PROBE FULLY
ACCEPT MULTIPLE RESPONSES		
	I borrowed money	1	
	Started budgeting and eventually saved the money	2	
	I went without	3	
	I went to a financial counsellor for help	4	
	Sought assistance from a charity (e.g. Salvation Army) or community organisation	5	
	Had debt waived or was able to defer payment	6	
	Sold things to raise money	7	
	Someone gave me the money	8	
	Other     	97	

INTERVIEWER NOTE FOR QUESTION C14:
At C14 below ‘saved money’ includes money saved in a person’s Income Management ‘kitty’ as well as money saved up for a specific purpose (beyond day-to-day living expenses).

C14.	Since being on Income Management have you been able to regularly save money?  INTERVIEWER NOTE – including saving money in your IM ‘kitty’		
	Yes	1	
	No	2	
	Can’t recall / Don’t know	99	

C15.	What kind of things have you saved money for?
		
	     	97	

C16.	Since being on Income Management have you been using Centrepay deductions?
		
	Yes	1	
	No	2	
	Can’t recall / Don’t know	99	

C17.	Since you have been on income management, have you... 	
A	Eaten more, less or the same amount of food	Less	Same 	More	Not sure	
B	Eaten more, less or the same amount of FRESH food	Less	Same 	More	Not sure	
C	Eaten more, less or the same amount of TAKEAWAY food	Less 	Same	More	Not sure	
D	Purchased more, less or the same amount of clothing for yourself	Less	Same 	More	Not sure	
	[Ask the following questions only if the respondent indicated he/she cares for children]
Since you have been on income management...	
E	Have you purchased more, less or the same amount of clothes for your children	Less	Same	More	Not sure	
F	Have you purchased more, less or the same amount of toys for your children	Less	Same	More	Not sure	
G	Do your children eat more, less or the same amount of food	Less	Same	More	Not sure	
H	Do your children eat more, less or the same amount of FRESH food	Less	Same	More	Not sure	
I	Do your children eat more, less or the same amount of TAKEAWAY food	Less	Same 	More	Not sure	
J	Do your children attend school any more , less or about the same	Less	Same 	More	Not sure	
K	Do you feel you have more, less or about the same say within your family in how money is spent on your children	Less	Same 	More	Not sure	

C18.	Since being on Income Management do you feel like there have been any changes in the relationships within your family?		
	Yes	1	
	No	2	
	Can’t recall / Don’t know	99	

IF YES, ASK:
(a)	
C19.	
What have those changes been?		
	     	97

FOR RESIDENTS OF INDIGENOUS COMMUNITIES ONLY, ASK:
C20.	Since Income Management started in your community have you noticed more, less or the same amount of:	
	Drinking in the community	Less	Same	More	Not sure	
	Noise in the community	Less	Same 	More	Not sure	
	Cultural activities like hunting done by community members	Less	Same 	More	Not sure	
	Violence in the community	Less	Same 	More	Not sure	
	Gambling in the community	Less	Same 	More	Not sure	
	Humbugging in the community	Less	Same 	More	Not sure	

C21.	Overall , which of the following  best describes the impact Income Management has had on your life?  Income Management has...
		
	Made my life a lot better	1	
	Made my life a bit better	2	
	Not made much difference to my life	3	
	Made my life a bit worse	4	
	Made my life a lot worse	5	
	Don’t know/unsure	99	

[Ask the following question only if the respondent indicated he/she cares for children]

C22.	Overall , which of the following  best describes the impact Income Management has had on your children’s lives?  Income Management has...
		
	Made their lives a lot better	1	
	Made their lives a bit better	2	
	Not made much difference to their lives	3	
	Made their lives a bit worse	4	
	Made their lives a lot worse	5	
	Don’t know/unsure	99	

C23.	Have you recommended Income Management to anyone, or do you plan to?
		
	Yes, I have	1	
	No, I haven’t but I plan to	2	
	No, and I don’t plan to	3	
	Don’t know/unsure	99	
IF HAVE OR PLAN TO RECOMMEND IM, ASK:
(a)	
C24.	
Why?		
	     	97

(b)	
C25.	Do you have any suggestions for how Income Management could be improved?
PROMPT FOR:
Improvements to how BasicsCard can be used / functions
Improvements to initial interview
Improvements to financial counselling services
Improvements to Income Management processes or timing
 		
	     	97

(a)	
C26.	
We have come to the end of the questionnaire.  

Would you like to say anything else about income management or your experiences on income management, that we have not covered?
		
	     	97

SECTION D: DURING INCOME MANAGEMENT
This section is for those individuals whom are no longer on income management (THEN PROCEED TO SECTION E)

This section relates to your experiences while you were on income management.

IF EVER ON VOLUNTARY (NOT VOLUNTARY WITH CONSENT) INCOME MANAGEMENT, ASK:
D1.	Why did you volunteer to go on income management?
     	97	

IF EVER ON COMPULSORY (OR VOLUNTARY WITH CONSENT) INCOME MANAGEMENT ASK:
D2.	Now I’d like you to think back to when you first met with a DCP officer to talk about income management.  After that meeting did you... 	Yes	No	
A	CLEARLY understand why you were going on income management	1	2	
B	CLEARLY understand what would happen to you next	1	2	

IF EVER ON COMPULSORY(OR VOLUNTARY WITH CONSENT) INCOME MANAGEMENT ASK:
D3.	How long was it between when you saw your DCP Caseworker and when you had your Centrelink interview? 		
	     weeks      days	97	
	Don’t know / can’t recall	99	

ASK ALL
D4.	Now I’d like you to think back to when you first met with a Centrelink officer to talk about income management.  After that meeting did you... 	Yes	No	
A	CLEARLY understand why you were going on income management	1	2	
B	CLEARLY understand how income management would work	1	2	
C	Know that you could change what priority items your income managed money was spent on each fortnight	1	2	
D	That you could use a free financial counselling service	1	2	

D5.	What percentage of your Centrelink payment was income managed?
THIS REFERS TO THE LAST TIME THEY WERE ON INCOME MANAGEMENT		
	50%	1	
	70%	2	
	All 	3	
	Other      	97	
	Don’t know	99	

IF ‘DON’T KNOW’ AT D5 ASK:
D6.	Was it ...?		
	Less than half	1	
	About half	2	
	Most 	3	
	All	4	
	Don’t know	99	

D7.	While on income management did you attended a financial counselling or money management service?		
	Yes 	1	
	No [Go to  D11]	2	
	Don’t know/refused	99	

IF ATTENDED, ASK:
D8.	Why did you decide to go?	Multiple response	
	Centrelink suggested/referred me	1	
	Because I thought it would help me	2	
	Someone else said I should go	3	
	Thought I had to go/no choice	4	
	Other (please specify):     	97	

D9.	Did attending the financial counselling or money management service give you skills so that you could manage your money better?		
	Yes 	1	
	No	2	
	Unsure/ Don’t know	99	

IF YES, ASK:
D10.	What skills did the financial counselling or money management service give you?		
	     	97	

IF DID NOT ATTEND A FINANCIAL COUNSELLING OR MONEY MANAGEMENT COURSE, ASK:
D11.	Why didn’t you go to a financial counselling or money management service?	Multiple response	
	Just haven’t got around to it yet	1	
	Have arranged an appointment but not yet attended	2	
	Didn’t understand what it was about	3	
	Too far away / transport is too expensive	4	
	Can’t find the time / too busy.	5	
	I have family responsibilities that prevent me from going		6	
	Don’t think it will be useful / waste of time	7	
	I don’t need skills because I have my money managed for me now	8	
	Other (please specify):     	97	

INTERVIEWER NOTE FOR QUESTION D12:
For any items indicated at D12 – Col A, if respondent say they happened “constantly” or “all the time” encourage respondent to quantify, but if they cannot, write in “CONSTANTLY” in Col B.

D12.	While you were on Income Management did any of the following things happen to you?  [CIRCLE IN Col A]	Col A	Col B	
	FOR ANY ITEMS INDICATED ASK:
How many times did each of these happen to you while you were on Income Management?   [WRITE NUMBER IN Col B]
ENCOURAGE BEST GUESS			
A	Ran out of money to buy food	1	     	
B	Did not have money to pay a utility bill when it was due	2	     	
C	Did not have money to pay another bill or debt when it was due	3	     	
D	Did not have money to pay rent on time	4	     	
E	Could not pay for things that my child/children needed for school, like books	5	     	
F	Could not pay for essential (non-food) items for my children, such as nappies and  medicine	6	     	

IF ANY OCCURENCES AT D12 ASK:
D13.	(In general) when this happened to you how did you manage to pay for what you needed?

PROBE FULLY
ACCEPT MULTIPLE RESPONSES		
	I borrowed money	1	
	Started budgeting and eventually saved the money	2	
	I went without	3	
	I went to a financial counsellor for help	4	
	Sought assistance from a charity (e.g. Salvation Army) or community organisation	5	
	Had debt waived or was able to defer payment	6	
	Sold things to raise money	7	
	Someone gave me the money	8	
	Other      	97	
INTERVIEWER NOTE FOR QUESTION D14:
At D14 below ‘saved money’ includes money saved in a person’s Income Management ‘kitty’ as well as money saved up for a specific purpose (beyond day-to-day living expenses).

D14.	While you were on Income Management were you able to regularly save money?		
	Yes	1	
	No	2	
	Can’t recall / Don’t know	99	

D15.	What kind of things did you save money for?
		
	     	97	

D16.	While you were on Income Management did you use Centrepay deductions? 		
	Yes	1	
	No	2	
	Can’t recall / Don’t know	99	

D17.	While you were on Income Management, compared to when you weren’t, did you... 	
A	Eat more, less or the same amount of food	Less	Same	More	Not sure	
B	Eat more, less or the same amount of FRESH food	Less	Same	More	Not sure	
C	Eat more, less or the same amount of TAKEAWAY food	Less 	Same	More	Not sure	
D	Purchase more, less or the same amount of clothing for yourself	Less	Same	More	Not sure	
	[Ask the following questions only if the respondent indicated he/she cares for children]
While you were on Income Management ...	
E	Did you purchase more, less or the same amount of clothes for your children	Less	Same	More	Not sure	
F	Did you purchase more, less or the same amount of toys for your children	Less	Same	More	Not sure	
G	Did your children eat more, less or the same amount of food	Less	Same	More	Not sure	
H	Did your children eat more, less or the same amount of FRESH food	Less	Same	More	Not sure	
I	Did your children eat more, less or the same amount of TAKEAWAY food	Less	Same	More	Not sure	
J	Did your children attend school any more, less or about the same	Less	Same	More	Not sure	
K	Did you feel you had more, less or about the same say within your family in how money was spent on your children	Less	Same
	More	Not sure	

D18.	While you were on Income Management did you feel like there were any changes in the relationships within your family?		
	Yes	1	
	No	2	
	Can’t recall / Don’t know	99	

IF YES, ASK:
(a)	
D19.	
What were those changes?		
	     	97

FOR RESIDENTS OF INDIGENOUS COMMUNITIES ONLY, ASK:

D20.	Since Income Management started in your community have you noticed more, less or the same amount of:	
	Drinking in the community	Less	Same	More	Not sure	
	Noise in the community	Less	Same 	More	Not sure	
	Cultural activities like hunting done by community members	Less	Same 	More	Not sure	
	Violence in the community	Less	Same 	More	Not sure	
	Gambling in the community	Less	Same 	More	Not sure	
	Humbugging in the community	Less	Same 	More	Not sure	

ALL PROCEED TO SECTION E

SECTION E: AFTER INCOME MANAGEMENT
THIS SECTION IS FOR THOSE WHO ARE NO LONGER ON INCOME MANAGEMENT

E1.	Did you have a final Income Management meeting (exit interview) with Centrelink?		
	Yes	1	
	No 	2	
	Don’t know / can’t recall 	99	

E2.	I’d like you to think back to that final meeting / exit interview with Centrelink.  After that meeting did you... 	Yes	No	NA	
A	Have a clear understanding of how any left over Income Managed money would be distributed	1	2	3
[Go to item D below]	
B	Confirm bank account details for distributed left over Income Managed funds	1	2	3	
C	Realise you could appoint a nominee to receive your payment	1	2	3	
D	Know that you could continue any ongoing deductions voluntarily under Centrepay	1	2	3	
E	[Compulsory and Voluntary with consent customers only] Know that you could transfer to voluntary Income Management if you wanted to	1	2	3	
F	[Voluntary customers only] Know that you could come back onto voluntary income management after 13 weeks	1	2	3	

E3.	Is there anything you know now that you wish that you were told in your final income management meeting with Centrelink?		
	Yes	1	
	No 	2	
	No Comment 	3	
	If Yes, what?      	97	

E4.	Why did you stop using Income Management?		
	     	97

E5.	Have you attended a financial counselling or money management service since you stopped being on Income Management?		
	Yes 	1	
	No	2	
	Don’t know/refused	99	

E6.	What did you see them about?		
	     	97

INTERVIEWER NOTE FOR QUESTION E7:
For any items indicated at E7 – Col A, if respondent say they happened “constantly” or “all the time” encourage respondent to quantify, but if they cannot, write in “CONSTANTLY” in Col B.

E7.	Since you stopped being on Income Management have any of the following things happened to you?  [CIRCLE IN Col A]	Col A	Col B	
	FOR ANY ITEMS INDICATED ASK:
How many times have each of these happened to you since you stopped being on Income Management?  [WRITE NUMBER IN Col B]
ENCOURAGE BEST GUESS			
A	Ran out of money to buy food	1	     	
B	Did not have money to pay a utility bill when it was due	2	     	
C	Did not have money to pay another bill or debt when it was due	3	     	
D	Did not have money to pay rent on time	4	     	
E	Could not pay for things that my child/children needed for school, like books	5	     	
F	Could not pay for essential (non-food) items for my children, such as nappies and  medicine	6	     	

IF ANY OCCURENCES AT E7 ASK:
E8.	(In general) when this happened to you how did you manage to pay for what you needed?

PROBE FULLY
ACCEPT MULTIPLE RESPONSES		
	I borrowed money	1	
	Started budgeting and eventually saved the money	2	
	I went without	3	
	I went to a financial counsellor for help	4	
	Sought assistance from a charity (e.g. Salvation Army) or community organisation	5	
	Had debt waived or was able to defer payment	6	
	Sold things to raise money	7	
	Someone gave me the money	8	
	Other      	97	

E9.	Since you stopped being on Income Management have you been able to regularly save money?		
	Yes	1	
	No	2	
	Can’t recall / Don’t know	99	

IF YES AT E9, ASK:
E10.	What kind of things have you saved money for?		
	     	97	

E11.	Since you’ve stopped being on Income Management have you used Centrepay deductions?		
a.	Yes	1	
b.	No	2	
c.	Can’t recall / Don’t know	99	

E12.	Since you stopped being on Income Management, compared to when you were on it, have you... 		
A	Eaten more, less or the same amount of food	Less	Same	More
	Not sure	
B	Eaten more, less or the same amount of FRESH food	Less	Same	More
	Not sure	
C	Eaten more, less or the same amount of TAKEAWAY food	Less 	Same	More	Not sure	
D	Purchased more, less or the same amount of clothing for yourself	Less	Same	More	Not sure	
	[Ask the following questions only if the respondent indicated he/she cares for children]
Since you stopped being on Income Management, ...	
E	Have you purchased more, less or the same amount of clothes for your children	Less	Same	More	Not sure	
F	Have you purchased more, less or the same amount of toys for your children	Less	Same	More
	Not sure	
G	Have your children eat more, less or the same amount of food	Less	Same	More	Not sure	
H	Have your children eat more, less or the same amount of FRESH food	Less	Same	More	Not sure	
I	Have your children eat more, less or the same amount of TAKEAWAY food	Less	Same	More	Not sure	
J	Have your children attend school any more , less or about the same	Less	Same	More	Not sure	
K	Have you had more, less or about the same say within your family in how money was spent on your children	Less	Same
	More	Not sure	

E13.	Since you stopped being on Income Management have you felt like there have been any changes in the relationships within your family?
		
	Yes	1	
	No	2	
	Can’t recall / Don’t know	99	

IF YES AT E13, ASK:
E14.	What have those changes been? 		
	     
	97

E15.	Overall , which of the following  best describes the impact Income Management had on your life?  Income Management...		
	Made my life a lot better	1	
	Made my life a bit better	2	
	Not made much difference to my life	3	
	Made my life a bit worse	4	
	Made my life a lot worse	5	
	Don’t know/unsure	99	

[Ask the following question only if the respondent indicated he/she cares for children]
E16.	Overall , which of the following  best describes the impact Income Management had on your children’s lives?  Income Management...		
	Made their lives a lot better	1	
	Made their lives a bit better	2	
	Not made much difference to their lives	3	
	Made their lives a bit worse	4	
	Made their lives a lot worse	5	
	Don’t know/unsure	99	

E17.	Have you recommended Income Management to anyone, or do you plan to?
		
	Yes, I have	1	
	No, I haven’t but I plan to	2	
	No, and I don’t plan to	3	
	Don’t know/unsure	99	

IF HAVE OR PLAN TO RECOMMEND IM, ASK:
E18.	Why? 		
	     	97

E19.	Do you have any suggestions for how Income Management could be improved?
PROMPT FOR:
Improvements to how BasicsCard can be used / functions
Improvements to initial interview
Improvements to financial counselling services
Improvements to Income Management processes or timing		
	     	97

(a)	
E20.	
We have come to the end of the questionnaire.  

Would you like to say anything else about income management or your experiences on income management, that we have not covered?
		
	     	97
	
TIME SECTION COMPLETED      :      

Interviewer Instructions

Before and During the Interview

Administer Questionnaire making sure you sign and date the second page to indicate that you have informed the respondent of their rights.

Make sure you write down the time that the questionnaire commenced and when the interview was completed (top right hand on the first page of Section A and bottom right hand corner of the last page).

SURVEY OF PARTICIPANTS NOT ON INCOME
MANAGEMENT
QUESTIONNAIRE – FOR USE FACE-TO-FACE AND BY PHONE

Introduction
Good morning/afternoon.  My name is [SAY NAME] from ORIMA Research.

We have been commissioned by the Australian Government (FaHCSIA) to conduct an evaluation of Income Management, which is being trialled here in Western Australia.  As part of the evaluation we are interested in talking to people like yourself who are not on income management as well as those who are. 

The interview should last for around 15 minutes.

What will the interview involve?
In the interview you will be asked questions that are a bit personal, for example, about your spending habits. It is important for the evaluation that we understand these issues for both people who are not on Income Management as well as those who are. 

What will be done with the information?
The results of the research may be published in a report or other publications.  You can get a summary of the results at your request. If you would like to be sent a summary of the research results, please let me know.  All information you provide in the survey is confidential.  Your name, address, and contact details will not be identified at any time.  

Participation is Voluntary
While we would greatly appreciate hearing your views, participating in the interview is not compulsory.  You can choose whether to participate in the interview.  If you choose not to participate there will be no consequences for you and it will not affect your Centrelink payments.  You can also choose not to answer any question. You can decide to stop participating in the interview at any time, and you do not have to provide a reason.  

If you would like to discuss any aspect of the interview or the survey, or the information you gave, please feel free to contact Natalie Arkle at ORIMA Research on our toll free number 1800 883 345. 

Access to Centrelink Data
We would also like your approval to access the information that Centrelink has on you.  This is just so that we can ensure we have correct information on your payments and other demographic data for research purposes.  We’re not interested in checking up on you, and your information won’t be used for anything other than this research.  Once we have access, your identity will be removed and on completion of the research all information will be destroyed.  If that’s OK, can you please sign below. [For Telephone interviews oral consent will need to be recorded below.]

Respondent Consent to Access Centrelink Data
I consent to ORIMA Research being given access to information on me held by Centrelink, for the purpose of conducting this research.

Respondent Signature: 

Respondent Name: 

Date:      /     / 2010

Thank you for taking the time to participate in the study.

Interviewer to complete before signing.

I have informed the respondent of the purpose of the research and their rights.	
	
I have informed the respondent that their identity will be kept confidential and that any information they supply will only be used for the purposes of the research.	
	
I have informed the respondent of their right to stop the interview at any time and / or ask that the information I’ve given not be used by contacting ORIMA Research.                      	
	
The respondent has consented to participating in the evaluation of income management measures in Western Australia.

Signature: 

Interviewer Name: 

Date:       /      / 2010

TIME INTERVIEW COMMENCED      :      

INTERVIEWER NOTE:
All non-IM customers complete sections A and B

SECTION A:
Customer Demographics
THIS SECTION IS FOR ALL RESPONDENTS

A1.	[Interviewer to indicate gender of participant]
		
	Female	1	
	Male	2	

A2.	Were you...		
	Born in Australia	1	
	Born overseas (specify country     ) GO TO A4	97	

IF BORN IN AUSTRALIA, ASK:
A3.	Are you of Aboriginal and/or Torres Strait Islander origin? 		
	No	1	
	Yes, Aboriginal 	2	
	Yes, Torres Strait Islander	3	
	Yes, both	4	
	Refused	99	

A4.	What is your date of birth? 		
	Date of Birth	
OR	
Age	

     /     /	
	
       	

A5.	What town or suburb do you live in?  		
	     	97	

INTERVIEWER NOTE FOR QUESTION A6:
For the purposes of this survey a respondent is regarded as ‘caring’ for a child if the child is living with the respondent at least one day per week on an ongoing basis  OR  if the child lives with them 7 days per week for at least one month per year  AND  the respondent self-nominates as caring for that child.

A6.	Do you care* for any children? 		
c.		Yes	1	
d.		No  [go to A10]	2	

A7.	How many children, if any, do you care for?      	1	

A8.	How old [are/is] the [child/children] you care for?
WRITE AGE IN COLUMN A8 BELOW	1	
A9.	Which, if any of these children, are not your biological or adoptive children?
MARK IN COLUMN A9 BELOW	1	
A10.	Do you have any biological or adoptive children that are cared for by someone else?  If so, what are their ages 
WRITE AGE IN COLUMN A10 ON NEW LINES BELOW	1	
	(A8) Age	(A9) Non-biological children?	(A10) Other biological/adoptive                                        children cared for by others?	
Child 1				
Child 2				
Child 3				
Child 4				
Child 5				
Child 6				
Child 7				
Child 8				

A11.	How long have you been receiving Centrelink payments for? [If several spells of Centrelink payments, ask time on current spell/most recent period of time on Centrelink payments]		
	     years OR     months  OR      weeks	97	

SECTION B – WHILST RECEIVING CENTRELINK PAYMENTS
THIS SECTION IS FOR ALL PARTICIPANTS

INTERVIEWER NOTE FOR QUESTION B1:
For any items indicated at B1 – Col A, if respondent say they happened “constantly” or “all the time” encourage respondent to quantify, but if they cannot, write in “CONSTANTLY” in Col B.

B1.	In the last year [for customers who have been receiving Centrelink payment for less than one year use wording—Whilst you have been receiving Centrelink payments] did any of the following things happen to you?  [CIRCLE IN Col A]	Col A	Col B	
	FOR ANY ITEMS INDICATED ASK:
How many times did each of these happen to you in the past 12 months [or shorter reference period]?  [WRITE NUMBER IN Col B]
ENCOURAGE BEST GUESS			
A	Ran out of money to buy food	1	     	
B	Did not have money to pay a utility bill when it was due	2	     	
C	Did not have money to pay another bill or debt when it was due	3	     	
D	Did not have money to pay rent on time	4	     	
E	Could not pay for things that my child/children needed for school, like books	5	     	
F	Could not pay for essential (non-food) items for my children, such as nappies and  medicine	6	     	

IF ANY OCCURENCES AT B1, ASK:
B2.	(In general) when this happened to you how did you manage to pay for what you needed?

PROBE FULLY
ACCEPT MULTIPLE RESPONSES		
	I borrowed money	1	
	Started budgeting and eventually saved the money	2	
	I went without	3	
	I went to a financial counsellor for help	4	
	Sought assistance from a charity (e.g. Salvation Army) or community organisation	5	
	Had debt waived or was able to defer payment	6	
	Sold things to raise money	7	
	Someone gave me the money	8	
	Other      	97	

B3.	In the last year [or shorter reference period on Centrelink payments] were you able to regularly save money?
		
	Yes	1	
	No [go to B5]	2	
	Can’t recall / Don’t know	99	

B4.	What kind of things did you save money for?		
	     	97	

B5.	Are you using Centrepay deductions?		
	Yes	1	
	No	2	
	Can’t recall / Don’t know	99	

B6.	Since you’ve been receiving Centrelink payments have you attended, or do you plan to attend, a financial counselling or money management service?		
	Yes 	1	
	No	2	
	Not yet, but I intend to	3	
	Don’t know/refused	99	

IF HAVE ATTENDED OR PLAN TO ATTEND AT B6, ASK:
B7.	Why did you decide to go?	Multiple response	
	Centrelink suggested/referred me	1	
	Because I thought it would help me	2	
	Someone else said I should go	3	
	Thought I had to go/no choice	4	
	Other (please specify):     	97	

B8.	Did attending the financial counselling or money management service give you skills so that you could manage your money better?		
	Yes 	1	
	No	2	
	Unsure/ Don’t know	99	

IF YES AT B8, ASK:
B9.	What skills did the financial counselling or money management service give you?		
	     	97	

IF HAVE NO INTENTION TO ATTEND COURSE AT B6, ASK:
B10.	Why haven’t you gone to a financial counselling or money management service?	Multiple response	
	Just haven’t got around to it yet	1	
	Have arranged an appointment but not yet attended	2	
	Didn’t understand what it was about	3	
	Too far away / transport is too expensive	4	
	Can’t find the time / too busy	5	
	I have family responsibilities that prevent me from going	6	
	Don’t think it will be useful / waste of time	7	
	I don’t need to because I can manage my money	8	
	Other (please specify):     	97	
	Don’t know	99	

B11.	Compared to 2 years ago, in the last 12 months [or shorter reference period on Centrelink payments], have you... 	
A	Eaten more, less or the same amount of food	Less	Same 	More	Not sure	
B	Eaten more, less or the same amount of FRESH food	Less	Same 	More	Not sure	
C	Eaten more, less or the same amount of TAKEAWAY food	Less 	Same	More	Not sure	
D	Purchased more, less or the same amount of clothing for yourself	Less	Same 	More	Not sure	
	[Ask the following questions only if the respondent indicated he/she cares for children]
Compared to 2 years ago, in the last 12 months [or shorter reference period on Centrelink payments]...	
E	Have you purchased more less or the same amount of clothes for your children	Less	Same	More	Not sure	
F	Have you purchased more less or the same amount of toys for your children	Less	Same	More	Not sure	
G	Do your children eat more, less or the same amount of food	Less	Same	More	Not sure	
H	Do your children eat more, less or the same amount of FRESH food	Less	Same	More	Not sure	
I	Do your children eat more, less or the same amount of TAKEAWAY food	Less	Same 	More	Not sure	
J	Do your children attend school any more , less or about the same	Less	Same 	More	Not sure	
K	Do you feel you have more, less or about the same say within your family in how money is spent on your children	Less	Same 	More	Not sure	

(b)	
B12.	
We have come to the end of the questionnaire are there any comments that you would like to make?  		
	     	97

 TIME SECTION COMPLETED      :      

Interviewer Instructions

Before and During the Interview

Administer Questionnaire making sure you sign and date the second page to indicate that you have informed the respondent of their rights.

Make sure you write down the time that the questionnaire commenced and when the interview was completed (top right hand on the first page and bottom right hand corner of the last page).