Home' Navy News : October 11th 2012 Contents Are you relocating in 2012?
Have you completed your Application
for Relocation (AFR)?
Toll Transitions Case Managers are standing by to help. It is
important to complete your relocation documentation as soon
as possible, especially if you are relocating during the peak
posting period and your preferred moving dates are to be
met. You must include your preferred dates on your AFR, as
until we have actual dates we cannot start your relocation.
The priority of your Toll Transitions Case Manager is to
ensure that you are fully informed and supported throughout
the relocation process.
In addition your Case Manager will explain the Full and
Partial Unpack option which is new in 2012. If you choose
a full unpack, the removalist will unpack all cartons packed
by them at your uplift location. If you choose a partial
unpack, only cartons containing breakables as agreed at
the uplift will be unpacked by the removalist, with all other
cartons unpacked by you.
Complete your AFR online now at www.tolltransitions.
com/defence and your Case Manager will contact you to
get things moving.
If you have any immediate questions or concerns, please
contact us on 1800 819 167
The posting season is here!
Don't stress out
We are here to help
you all the way
Legacy will receive
$1 for each Application
For Relocation (AFR)
entered online via Toll
from 1st July to 31st
December 2012. Our
aim is to raise more than
$10,000 in the coming
peak posting period.
In addition to helping
Legacy, you will also go
into a monthly draw * for
a Valet Unpack Service.
Help us raise vital funds
*Terms and Conditions apply.
**Valet Unpack Service includes:
Furniture arranged in each room,
beds made, goods unpacked and
put away in cupboards, bench tops
wiped down, cartons fully emptied and
collapsed ready for collection
Toll Transitions: Freecall 1800 819 167
October 11, 2012
Keep a track of your spending, says Aust
Commission chairman Greg Medcraft.
IN THE ADF you're used to track-
ing your movements and you under-
stand the value of good intelligence
reporting. Knowing what situation
you're in is an important part of mak-
ing informed decisions. But how many
of you apply the same discipline to
According to Australian Bureau of
Statistics data, the average Australian
household spends more than $1200 a
week on goods and services. Yet how
many of us really know where our
money is going?
Our research shows many people
fall into the habit of living pay to pay.
That's why ASIC has developed a new
suite of tools to help us take control of
Once you know exactly where your
money is going, you can redirect it
to where it matters most. We suspect
many households end up leaking
thousands of dollars each year because
they're not keeping track of their
Here are our top three tips for tak-
ing control of your spending:
1TRACK your day-to-day spend-
ing by recording what you spend
over a week or a fortnight using the
TrackMySpend app from ASIC's
ralian Securities and Investments
Email ASIC at
gov. au with topics
that interest you.
MoneySmart website. This new app
is free and easy to use.
2COMPARE money in and money
out over a month. Put your income
and expenses into the online budget
planner at www.ADFconsumer.
gov.au, or use the tear out plan-
ner in our new booklet Managing
your Money, available from ASIC's
3 PRIORITISE where you want
your money to go. Identify your
needs and wants, see where you
can save by reducing or cutting out
the things you can live without, and
set some savings goals.
Once you've taken these simple
steps, you can act to make your money
work for you. Mark upcoming big bills
in your calendar. Put your savings into
an account that is not accessible by
ATM. Check your budget once a
year and adjust it if things change,
for example if a family mem-
ber's income drops or
you are deployed over-
seas and receive extra
Keep in mind that
tracking your spending
is not all about making
cuts -- reward yourself
About the app
YOU can use the new TrackMySpend app to
record your expenses on the go. It helps you
set a realistic spending limit and stick to it.
Your expenses are entered by category and
you can view your spending history so you can
easily see where you can save.
ASIC's new free booklet called Managing Your
Money has a step-by-step guide to budgeting
and a tear out budget planner for those who
prefer to use pen and paper. This booklet and
other publications can be ordered for free on
ASIC's MoneySmart website.
Stay in control
with occasional treats so living on a
budget doesn't feel like a chore.
Go to ASIC's MoneySmart website at
www.moneysmart.gov.au for more
Photo: LAC Bill Solomou
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