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www.seniorsonline.vic.gov.au | 1

Savvy savings for seniors

www.seniorsonline.vic.gov.au | 1300 797 210

Tips for reducing your living expenses in and out of the home

2 | www.seniorsonline.vic.gov.au www.seniorsonline.vic.gov.au | 1

ContentsIntroduction 2

Shopping 3

Travel and transport 7

Out and about 13

In the home 17

In the garden 22

Entitlements, concessions and rebates 24

Other resources and contacts 26

Contact us 28

A note about using this guideWe live in a world that increasingly relies on the internet instead of printed dictionaries, encyclopaedias, phone books and travel guides.

The Seniors Card program is no different – we have a website too. The benefit of this website is that it always carries the latest information about the program, though you can always contact us by phone or email if you need.

We have tried to list phone numbers for all the organisations we mention in this guide, but it’s not always possible. Some organisations can only be contacted online.

If you would like to improve your skills with technology, there are plenty of free or low-cost courses available. Refer to pages 14–15 of this booklet for options.

If you’d rather not use the internet, you can obtain information from your local council, your local library, or Seniors Information Victoria (see page 25). Or just visit your local retailer or service provider and ask them what they can offer.


Quick tip – look for this symbol throughout the guide for savvy savings tips!

The Victorian Seniors Card program recognises the important contribution that older people make to our community.

The Seniors Card program encourages older Victorians to get the most out of their retirement and transition from full-time work. The program does this by reducing costs to assist people in living independent, active and healthy lives.

Thousands of businesses across Victoria offer discounts and benefits to Seniors Card holders. This means you can save money while you explore everything Victoria has to offer, as well as receiving discounts on household items.

This booklet is full of fantastic tips and ideas for saving money and staying active. It is a handy addition to Seniors Online – the Victorian Seniors Card program website where you can find a wide variety of discounts. I guarantee you’ll be surprised by what you find.

The Hon. David Davis MP Minister for Ageing

Find out how to make the most of your Seniors CardCheck our online frequently asked questions (FAQs) at www.seniorsonline.vic.gov.au or contact the Seniors Card team on 1300 797 210 or email [email protected]


For some people, getting older and retiring means taking a well-earned break. For others, it’s a time to ramp up – to start ticking off the list of things you’ve always wanted to accomplish or experience. Whatever your preferences, the Victorian Seniors Card program is here to help you accomplish your goals and to save money while you’re at it.

This booklet gives you some ideas for making the most of your Seniors Card, which gives you discounts on everything from travel to household expenses. Making savings here and there can also mean you’ve got more money to spend on the things you enjoy – going out for a meal, spending on the grandchildren, taking a trip.

But the Seniors Card program is not only about saving money – we’re here to help you stay happy and healthy so you can be independent for as long as possible.

When you’re out and about keep your eyes open for the ‘Seniors Card Welcome Here’ sign around Victoria and participating businesses across Australia.

Making the most of your Seniors Card•Takeyourcardwithyouwheneveryougoout.

•Enjoyconcessiontravelinallstatesandterritories ofAustralia.

•Lookoutforthe‘SeniorsCardWelcomeHere’logo forbusinessesthatofferaSeniorsCarddiscount.

•AskforSeniorsCarddiscountswhenyou’reout andabout.

• SetSeniorsOnline:www.seniorsonline.vic.gov.au asyourhomepageandusetheonlineSeniors CardDiscountDirectorytofindoutwhereyou cangetdiscounts.

‘My friends and I share food all the time. Sometimes I take over an extra meal and they give

me fresh vegies from their garden.’

Xiaomei

If you’re a Seniors Card holder take advantage of the thousands of discount opportunities available through Victorian retailers.

Food and drinkHere are some ideas to make your food budget go further.

• Buyfruitandvegetablesinseason–theyare more affordable and tastier. Many greengrocers and supermarkets provide this information in store or visit www.marketfresh.com.au.

• Shopatfreshfoodmarketstosavemoneyand get the freshest food possible. Your local council or newspaper often has details about your closest market.

• Makeafewmealsatonceandfreezetheleftoversfor another day or share meals with a neighbour.

• Buyfoodthatlastsalongtime.Frozenandcannedfruit and vegetables are nutritious options (just choose cans with no added salt). Long-life milk can be kept in the pantry until you’re ready to use it (but keep it in the fridge after opening).

ShoppingSavvy savings for seniors

Introduction


‘We use our Seniors Card when we eat out. Two or three times a week we go to a local cafe for a coffee where our Seniors Card is

welcome.’

Bill

• Cheapercutsofmeatlikechucksteakorgravybeefare fine for a stew or casserole, and these types of mealsfreezewell.Uselessmeatandaddacanofbeans (white, kidney beans or lentil) to boost your vegetable and fibre intake and cut down on cost.

• Checktheproducesectionfor‘justpassedpeak’fresh fruits and vegetables. Over-ripe bananas are great in muffins or smoothies. Over-ripe stone fruits,applesorpearscanbestewedandfrozen.Over-ripe tomatoes can be used in casseroles and pasta sauce.

• Manyrestaurantsofferlunchspecials.Considerdining out at lunch instead of dinner.

• Healthierfoodscanseemmoreexpensive,but when you compare price per kilogram for the nutritional value they are often cheaper. Visit www.foodcentsprogram.com.au/shop-smart/ true-cost-of-food for more information.

Retail shoppingHundreds of shops offer discounts to Seniors Card holders. Look out for the ‘Seniors Card Welcome Here’ sign in shopfront windows, or if you’re on Seniors Online, navigate to ‘Seniors Card’ then ‘Discount Directory’ and use the search function.

Other tips include:

• Outletstoresofferyear-roundbargains.Makeadayofit with a friend or relative, or go on an organised tour.

• Stockuponitemswhenthey’reonspecial,suchastoiletries, pet food or laundry powder. Ask friends and neighbours to share or exchange.

• Onlineshoppingisagreatwaytofindspecialsandhave items delivered. If you don’t have a computer, visit your local library or ask a friend or relative to help.

At the supermarket Supermarketsnowprovide‘priceper100g’onthepricetag– this is a useful tool whencomparingprices.

‘We have seven children, 19

grandchildren and three great

grandchildren. We’re constantly buying

birthday cards and our local news agency gives us a Seniors

Card discount.’

Bill

Shopping with your Seniors Card Remember to present your Seniors Card or numberwhenyoubookormakeapurchase.Businesses are not obligedtogiveadiscountonce a transaction is complete.

Some tips for shopping onlineShopping online can save time and money, but it’s useful to take a few common sense precautions.

• Unlessyou’resureyouareinasecurepaymentenvironment, avoid revealing your date of birth, your name, your address or your phone number.

• Forextrasecurity,changeyourinternetand mobile phone passwords regularly.

• Financialinstitutionsdonotsendemailstocustomers asking for passwords or other personal information. Ignore these emails. Don’t open them. Delete them right away.

• Don’topenemailsfromunfamiliarsenders with offers to enter competitions or receive prizes.Clickinglinksintheseemailscan damage your computer or give others access to your private information.

• Afterbuyingsomethingonlinecheckyour bank statement and report issues immediately to your bank.

• Minimisetheuseofyourcreditordebitcardon the internet. If you are making an online purchase, look to see if PayPal – a safer option – is offered.

Remember, if something sounds too good to be true, it generally is.

Consumer Affairs Victoria (page 6) offers some great advice about shopping online. You can also learn more about protecting yourself online by visiting the Department of Justice’s website: www.justice.vic.gov.au/protectyourselfonline or by visiting the Australian Competition and Consumer Commission’s Scamwatch: www.scamwatch.gov.au.

Local libraries, neighbourhood houses and local community groups sometimes run online safety courses as well.

Shopping | Savvy savings for seniors Savvy savings for seniors | Shopping


Encourage your local traderWhynotsuggestthatyourlocalretailerjointheSeniorsCardprogram?OneCardholdersuggestedherlocal floristjoinandnowallherfriendsbuyflowers atthesameplace.

Consumer Affairs Victoria If you need advice to deal with a retailer, Consumer Affairs Victoria provides free information about your rights and responsibilities as a consumer. Topics include:

• retirementvillages

• buyingorsellingacar

• yourrightsdealingwithtradespeople

• scamsandhowtoavoidthem

• buying,selling,renovatingorrentingahome

• shopping,refunds,rightsand other shopping issues.

Visit www.consumer.vic.gov.au or phone 1300 558 181 if you would like to discuss an issue.

You can also drop into the Victorian Consumer and Business Centre, 113 Exhibition Street, Melbourne VIC 3000.

Seniors Online Everythingyouneed toknowabouttheVictorian Seniors Card isnowavailableatSeniorsOnline.

Ifyouhaveadesktopcomputer, laptop, smartphone or tablet, rememberthewebsitewww.seniorsonline.vic.gov.au.

Being a Victorian Seniors Card holder means you can enjoy discounted travel in Victoria and Australia-wide.

Free travel vouchers• EverySeniorsCardholderreceivesfree

off-peak travel vouchers each year in the mail to use on public transport in Victoria.

• Eachvouchercanbeexchangedforeither:

› a V/Line off-peak daily ticket (going out and back on the same day)

› two V/Line off-peak single tickets (going out on one day and back on another)

›aDayPassfortravelinzones1and2.

• Vouchersmustbeexchangedatleast24hoursbefore you intend to travel and cannot be used during morning or afternoon peak periods.

• Phone1800 800 007 or visit www.ptv.vic.gov.au for more information or to make V/Line reservations. V/Line tickets are subject to availability at off-peak times.

When to travel?Considertravelling by public transport in off-peakperiods.It’slesscrowdedandyoustill getagreatdiscount withyourSeniorsCard.

Using myki mykiworkslikeanelectronic purse for publictransport.Youhavetotopupthecard’sbalancewheneverit runslowonfunds.

Theseniorsmykioffersdiscounted rates at all timesonallroutes.Youpay no more than the seniorsdailycapwhenyoutravelonweekdays.

Travel and transportShopping | Savvy savings for seniors


Metropolitan travel• Withaseniorsmykiyoutravelfreeonthe

weekendwithinoneortwoconsecutivezones on all metropolitan trains, trams and buses – this includes to outlying metropolitan areas as far as Sunbury and Melton.

• Duringtheweek,youcanstillaccessdiscountedrates at all times on all routes with your seniors myki.

Travel in regional Victoria• TravelfreeontheweekendsonV/Linecommuter

rail services when using myki for trips of one or twoconsecutivezones(forexample,WoodendtoGisborne).

• Atothertimes,V/LineoffersconcessionratesforSeniors Card holders through regional Victoria.

• Takeadvantageofoff-peakratesduringquietertimes.

• Phone1800 800 007 for more information or to pre-book tickets.

• TheV/Linewebsitelistsallitsfaresandroutesatwww.vline.com.au.

• Youcanalsotravelfreeonregionaltownbusnetworks over the weekend in major regional cities such as Ballarat, Bendigo, Geelong, Mildura and Warrnambool. On regional town buses where myki is not operating, show your Victorian Seniors Card to travel free on weekends.

Replacement myki Like many other cards, myki cards do expire, so keep track of your card’s expiry date. If your myki is registered and you have an online account – find your card expiry date online. If your myki is not registered, check the expiry date at a myki machine, myki check, or by calling 1800 800 007.

Do I have to touch on or off? Evenifyou’retravellingforfreeontheweekend,onmyki-enabledservicesyou must touch on and off asnormal–youwon’tbecharged.ThisalsoappliesduringtheVictorianSeniorsFestival.

Am I ever charged for weekend travel? If you take a trip in non-consecutivezones,oratripofmorethantwozones,afareforthewholetripwillbecharged.

Travel with your Seniors CardRemember–it’sacondition that you carry your Seniors Card at all timeswhentravellingon public transport as proof of your concession entitlement.

Travel and transport | Savvy savings for seniors Savvy savings for seniors | Travel and transport

Support for people with a disability or health issues • Allmetropolitantrainsarewheelchairaccessible

and low-floor trams and buses are available on some routes. Most V/Line trains and coaches can be accessed by wheelchairs. More information on accessible transport is available from PTV on 1800 800 007 or www.ptv.vic.gov.au.

• TravellersAidAustraliaprovidessimple,practicaltravel-related support and aid that helps people travel independently and confidently. This support includes buggy and personal guidance services at Southern Cross Station, help getting to medical appointments in central Melbourne and mobility equipmenthire.CentresareavailableatFlindersStreet station (9610 2030) and Southern Cross station (9670 2072) or visit www.travellersaid.org.au.

How do I get a seniors myki? NewSeniorsCardprogramapplicantsreceiveaseniors mykiforfreeaspartoftheirSeniorsCardapplication.

Ifyoudon’talreadyhaveyourseniorsmyki, contactPublicTransportVictoria(PTV)on www.ptv.vic.gov.auorbycalling1800 800 007 between6amandmidnightdaily.

Onceyouhaveyourseniorsmyki,youcan topitupatcloseto800retailersincluding:

•All7-Elevenstores.

•TheticketofficewindowatPremiumStations andstaffedV/Linecommuterstations.

•Fromamykimachinelocatedatalltrainstations andmajortramandbusinterchanges.

•ViathePTVwebsiteorphonenumberabove.


• MostV/Linetrainsandcoachescanbeaccessedbywheelchair.Reservationsarerequiredforwheelchairson V/Line coach services. Phone 1800 800 007 at least 24 hours before you travel to reserve a place.

• Victorianswithsevereandpermanentdisabilitieswho cannot access public transport independently may be eligible to join the Multi Purpose Taxi Program – a Victorian Government program that offers its members a 50 per cent subsidy on taxi fares of up to $60 per trip. Contact the Taxi Services Commission on 1800 638 802, or visit www.taxi.vic.gov.au for more information.

Melbourne Bike ShareMelbourne Bike Share is a new form of public transport designed for short trips across the city. You can borrow and return a bike at one of the 51 stations throughout the CBD and city fringe.

The website has suggested tours you can take, or you can create your own two-wheeled excursion. Subscribe to the program annually or as a casual user. Daily subscriptions are under $3.

Formoreinformationortoorganisea subscription phone 1300 711 590 or visit www.melbournebikeshare.com.au.

Other ways to cut your travel costs• Carpoolwithaneighbourorfriendwhendriving

to the shops or running errands.

• ThefreeCityCircletramserviceintheCBDtakes in major tourist attractions, and links with other tram, train and bus routes in and around Melbourne. Trams run in both directions every 12 minutes between 10am and 6pm Sunday to Wednesday andextendedhours,10amto9pmThursday,Fridayand Saturday (excludes Christmas Day and Good Friday).ContactYarraTrams1800 800 007 or visit www.yarratrams.com.au to find out more.

Car not running well? Askyourlocalservowhatdiscounts they offer before youpurchase.OrvisitSeniorsOnlinetofinddiscountautoservicesinyourarea–clickonthe‘SeniorsCard’tabthenselect‘DiscountDirectory’andscrolldowntothe‘AutomotiveCare’category.

Low cost holidays Takealow-costholidaywithfamilyorfriendsinregionalVictoriaorMelbournebyusingyourfreetravelvouchersandstayingsomewherethatoffers a Seniors Card discount.Ifyou’reonSeniorsOnline,choosethe‘Accommodation’categoryinthe‘DiscountDirectory’.

• Carscanbeexpensivetomaintainandkeepontheroad. If you’ve got easy access to public transport, why not sell your car?

• ExploretheinnercityontheMelbourneVisitorShuttle. There are 13 stops where you can hop on and off. See www.thatsmelbourne.com.au/shuttle to find out more about the route and costs.

• Manycouncilsofferfreeorheavilydiscounted travel services (such as bus or shuttle services) to older residents. Contact your local council to find out what you are entitled to access.

Travelling outside of Victoria• Takeadvantageofdiscountsfrominterstate

Seniors Card participating businesses when you travel (see page 29 for contact details of each state and territory Seniors Card program).

• Accessconcessionpublictransporttravel when travelling interstate.

• YoucanuseyourVictorianSeniorsCard with New Zealand retailers and traders. Visit the New Zealand SuperGold website at www.supergold.govt.nz or call 0800 25 45 65 when in New Zealand. The agreement does not extend to seniors public transport concessions in New Zealand.

• TakeyourSeniorsCardwhenyoutraveloverseas.Some overseas businesses will provide you with goodwill discounts if you ask.

• Checkoutthewww.smartraveller.gov.au website for useful travel information and advice.

‘You can even get a Seniors Card discount when

washing your car.’

Bill

Travel and transport | Savvy savings for seniors Savvy savings for seniors | Travel and transport

‘We have used our Seniors Card when travelling at motels and other accommodation. We have always received a great

discount.’

Bill


Other money-saving travel tips• Checkifyourtravelcompanyoffersdiscounts

to Seniors Card holders.

• Travellingoutsideschoolholidaysisalways cheaper and travelling late at night or taking a longer route can be cheaper too – especially with flights. Consider going during the week instead of on the weekend or taking flights with stopovers.

• ‘Shoulderseason’–thetimejustbeforeorafter the peak holiday season – is a cheaper time to travel. The weather is still generally good in destination cities and there are fewer tourists.

• Onmostbudgetairlinesyoucanavoidabaggagefee by only travelling with carry-on luggage.

• Cruiseandtourcompaniesoftenofferdiscountedrates close to the departure date. Try searching online for ‘cruises’ and ‘last-minute’ or ‘discount’.

There are many ways you can reduce your expenses when you’re out – with or without your Seniors Card!

Recreation, sports and attractions • EnjoytheVictorianSeniorsFestivalheldacross

Victoria in October each year. Visit www.seniorsonline.vic.gov.au for details.

• SeniorsCardholdersenjoyfreeentrytotheMelbourne Museum, the Immigration Museum and Scienceworks.

• SeniorsCardholdersdon’tneedafishing licence to fish in Victorian waters.

• ExploreVictoria’sparks–whetherinthe heart of the city or a remote part of the state. Go with friends or take an organised tour. Visit www.parks.vic.gov.au or call 13 19 63.

• MelbourneZoo,WerribeeOpenRangeZoo and Healesville Sanctuary offer discounted rates to Seniors Card holders. Visit www.zoo.org.au or phone 1300 966 784 for more information.

• TheNationalGalleryofVictoriaInternationalprovidesSeniors Card shop and catering purchasing discounts on Wednesdays. Call 8620 2222 from 9am–5pm seven days a week. Alternately, visit the

‘We start planning for the Victorian

SeniorsFestivalassoon as the dates are confirmed. We spend the week in Melbourne and our

first action is to book accommodation. The Seniors Card program helps

here. We compare prices, location and

public transport accessibility.’

Frank

Out and aboutTravel and transport | Savvy savings for seniors

Cheaper public transport for seniors

Formoreinformationabout your public transport benefits call Public Transport Victoria on 1800 800 007 or visit www.ptv.vic.gov.au

Your seniors myki is your ticket to ride.

www.ptv.vic.gov.au

> FreeweekendtravelinoneortwoconsecutivezonesinVictoria

> Concession travel at all other times in Victoria and across Australia

> Remember to carry your Victorian Seniors Card with you at all times

What’s on in Melbourne?For the latest on what’shappeninginMelbournegoto www.thatsmelbourne.com.auorvisittheMelbourne Visitor Information Centre located at Federation Square on the corner of Flinders and Swanstonstreets.


‘Discount Directory’ at Seniors Online at www.seniorsonline.vic.gov.au. Select the sub-category ‘Art Galleries and Museums’ under ‘Tourist Attractions and Activities’.

• Guidedandself-guidedwalksareanothergreatwayto see the sights. Go online to www.visitvictoria.com.

• TheNationalTrustoperateshistoricsitessuchastheOld Melbourne Gaol, The Heights in Geelong and Portarlington Mill. Your Seniors Card entitles you to concession entry to these sites. Phone 9656 9800 or visit www.nationaltrust.org.au to find out about additional discounts for Seniors Card holders.

Visiting other parts of Victoria? There’salwayssomethingexcitinghappeninginregionalVictoria.Visitwww.visitvictoria.com orscrollthroughtheeventscalendarat www.vic.gov.au. If you don’thaveacomputer,drop in to one of the many visitorinformationcentresacrossVictoria.

‘Last year the Girls from Ozwasahighlight.Weappreciate the Victorian

SeniorsFestivalandwish we could fit more

into our schedule, especially with the free travel for Card holders and a great choice of good eating places.

We’ll be ready for 2013!’

Val

Learning a new language Planningatripoverseas?Jump online and see if a local U3A offers a courseinthelanguageyou’dliketolearn.

In the communityThere are many great community activities available free or at heavily discounted rates.

Learn a new skill• LearnLocalorganisationsruntrainingprogramsfrom

basic computer skills to certificates and diplomas in business, community and trades. See the courses and locations online at www.acfe.vic.gov.au or email [email protected].

• Ifyouneedhelpfindinganexerciseprogramoraprofessional health and fitness instructor, contact the Active Ageing Network. The Network aims to increase the range of physical activity programs available to older people (aged 50 years and over) in Victoria. Visit www.activeageingnetwork.org.au or phone Seniors Information Victoria on 1300 135 090.

• Localcouncilsportingfacilitiesalsoofferprogramsfor older people such as strength training and water aerobics. Phone your local council for details.

• LifeActivitiesClubsprovidephysical,socialandrecreational activities as well as education and motivational support for people approaching, or in retirement. Clubs are located in metropolitan and regional areas. Visit www.life.org.au, phone 9662 2930 or email [email protected].

• UniversityoftheThirdAge(U3A)offerscoursesthat keep you mentally alert and healthy. There are morethan100U3AsinmetropolitanandregionalVictoria. Courses offered range from current affairs, languages, exercise and fitness, craft and music. Courses are for retired or semi-retired members of the seniors community and only limited by the availability ofvolunteerleaders.TofindaU3Anearyouphone 9670 3659, email [email protected] or visit www.u3avictoria.com.au.

Out and about | Savvy savings for seniors Savvy savings for seniors | Out and about

Coming soon – technology training supportThe Seniors Card program is partnering with Telstra and local libraries to deliver information technology training support with tools you can learn about and take home.

Interested in technology? Ifyou’rekeenonlearningafewcomputer basics, optionsareavailable:

•BroadbandforSeniorsoffersseniorAustralians, aged50yearsandover,freeaccesstocomputers, internetandbasictrainingtohelpbuildtheir confidenceinusingnewtechnology.Phone 1300 795 897 orvisitwww.necseniors.net.au.

•Yourlocalneighbourhoodhouse,learningcentreor librarymayalsoofferafreeorlow-costbeginner computercourse(page16).

•Ifyou’realreadyonline,considerusingTelstra’s easy-to-followself-teachvideos,worksheetsand othertrainingcontent.Visitwww.telstra.com.au /telstra-seniorstoaccessthematerial.


• Men’sshedprogramsprovideawelcomingatmosphere for men to socialise. Most aim to ease the transition from full-time work to retirement, helping to connect men with their local community and improve their wellbeing. To find a men’s shed in your area, start by phoning your local council or visit www.vicmensshed.org.

• TherearemanyoptionsforvolunteeringinVictoria.Findoutmoreatwww.volunteer.vic.gov.au or by phoning the Department of Human Services on 9096 1183.

Local councils, libraries, neighbourhood houses and learning centres• Yourlocalcouncilisafantasticsourceofinformation

about what’s happening in your local community, as is your local paper.

• Ifyouareinterestedinsocial,educationalandrecreational activities in a welcoming and supportive environment, visit one of 395 neighbourhood houses and learning centres across Victoria. Go to www.anhlc.asn.au to find one close to you.

• Manylocallibrariesprovidecoursesandactivities.Visit www.libraries.vic.gov.au or contact your local council to find out more.

We spend a lot of our household budget just keeping things running. The chart below gives a breakdown of the average Victorian household energy expenditure.

You can see that heating is the biggest energy expense.

In the home

Heating – 32%

White goods – 17%

Hot water – 16%

Lighting – 11%

TV, home entertainment &ITequipment–10%

Other electrical appliances – 8%

Cooking – 4%

Cooling – 2%

Energy costs for an average Victorian house

32%

17%16%

11%

10%

8%

4% 2%

Out and about | Savvy savings for seniors

Source: Sustainability Victoria, 2013

Assessing energy companiesForunbiasedhelpwhenassessingelectricityandgascompanies,comparesuppliers and rates at www.yourchoice.vic.gov.au.

Want to check you’re saving money? Ask for the normal quoted pricebeforeaskingfortheSeniorsCarddiscount.


Energy myths bustedIt is cheaper and more energyefficienttoturnyour heater off if you are goingoutforlongerthanhalf an hour, and to turn itoffovernight.

Turningthelightsoffwhenyouleavearoom,evenfluorescentones,ischeaperthanleavingthemonandwillnotreducetheirlifeexpectancy.

Smarter Choice Retail Program Energy-efficient appliances save you money over the lifetime of the appliance compared with standard models.

The Victorian Government’s Smarter Choice Retail Program helps you find the most efficient appliances (such as washing machines), hardware and lighting.

In Victoria more than 400 stores belong to the Smarter Choice program, which compares the running costs and environmental performance of different appliances.

You can find a store near you by visiting www.sustainability.vic.gov.au or phoning 1300 363 744.

Savvy savings for seniors | In the homeIn the home | Savvy savings for seniors

Small changes can have a big impact on your energy bill.

• Insulateyourhouse–ceilinginsulationcansave you up to 45 per cent on your heating bills, and will help to keep you cooler in summer too.

• Setyourheatingthermostatbetween18°Cand20°C;everyonedegreehighercanincreaseyour bill by 10 per cent.

• Sealgapsandcracksinexternalwalls,floorsandthe ceiling. Seal external doors using draught seals or ‘door snakes’ and weather strips on the frames.

• Closeblinds,curtains,windowsanddoorsoncolddays to keep the heat in. On sunny winter days, open curtains on north-facing windows to let the sun heat your house for free.

• Switchoffappliancesatthewallwhenyou’re not using them – including those with lights indicating they are on standby. Appliances on ‘standby’ can add over $100 on your annual power bill.

• Yourfridgeruns24hoursaday,allyear.Itisyourmost expensive appliance – ensure your door seal is tight and free from gaps. Replace damaged seals.

• Washyourclothesincoldwater–thiscansave youupto$100ayeardependingonthesize and energy rating of your washing machine.

• Clothesdryersareexpensivetorun.Dryyour clothes on a line or rack – even in winter.

• Afanischeapertorunthananair-conditioner, but don’t risk your health – cooling uses only a small portion of energy over the year.

Formoreenergy-savingtipsinthehome visit the Sustainability Victoria website at www.sustainability.vic.gov.au or call 1300 363 744.

Compare energy plans Whetheryouneedanewenergyplanorjustwanttocheckifyou’vegotthebestplanforyou–checkwithyourretailerforbetter options for your budgetandusage.

Showerhead exchange programsManywaterauthoritieswillswapyourold-styleshowerheadforawater-savingoneforfree.‘In summer, we pull

down our outside blinds before the sun hits the windows. It helps stop the house from getting too hot. It means we run the air conditioner a bit

less too.’

Xiaomei

17.5 per cent electricity concession now extended

Save on your electricity bill throughout the year rather than just during winter

Available to holders of Pensioner Concession Cards, Health Care Cards or DVA Gold Cards

Keeping the pressure off the cost of living

Concessions Information Line on 1800 658 521 or visit www.dhs.vic.gov.au/concessions

Home Energy Saver Scheme

Concerned about your gas and electricity bills? The Australian Government’s Home Energy Saver Scheme (HESS) can help. HESS provides free, independent and expert advice on how to save energy in the home.

HESS can help eligible Victorians by offering:

• Freehomevisitstohelpyoufindoutexactly what is using the most energy in your home.

• Helptoaccessnoorlow-interestloansto buy energy-efficient appliances.

• Helpunderstandingyourenergybills.

Freecall1800 685 682 to book a free home visit or simply to get some help over the phone.

Victoria’s Energy Saver Incentive scheme• TheVictorianGovernment’sEnergy

Saver Incentive scheme offers discounts and special deals on selected energy-saving products and appliances through participating businesses.

• Businessesmayincludeyourenergyretailer, or your local sustainability companies, appliance store, plumber, builder and other tradespeople.

• Youmaybeeligibletoreceivediscountson:waterheating;heatingandcooling;weatherproofingandinsulation;lighting;standbypowercontrollers;showerheads;atelevision;arefrigeratorandfreezer;clothes dryers and pool pumps.

Flexible pricing• Ifyourhomeisfittedwitha‘remotely

read’ smart meter you can access a new ‘flexible pricing’ structure for your electricity bills from mid September 2013.

• With‘flexiblepricing’thepriceofelectricity is higher during peak hours and lower at other times. You can pay less for electricity when you use power outside peak hours.

• Changingto‘flexiblepricing’isvoluntaryand won’t happen without your consent. It also won’t be right for everyone so do your research to determine if it could benefit you.

• Youcanchangeyourmind.UntilMarch2015, if you have switched to a ‘flexible pricing’ plan with your current retailer, you can switch back to your previous rate structure at any time without incurring an administration fee.

• However–dependingonyourcontract,some additional fees or charges may still be payable when switching back to your old plan. Remember – you will always have a choice of rates, including a flat rate if this is your preference.

Savvy savings for seniors | In the homeIn the home | Savvy savings for seniors

Discount schemes and programs


Assistance with household expensesGovernmentassistanceisavailabletohelpeligibleVictorianswithhouseholdexpenses.Checkthe‘Entitlements,concessionsandrebates’section (page24)tofindoutwhat’savailable.

Other discounts in the home TheSeniorsOnlineDiscount Directory has a sectionon‘ProfessionalServices’listingbusinessesthatprovidediscountson insurance, financial, legalservicesandfuneralservices.There’salsoasectionon‘HomeBuildingandRenovations’.

Notonline?AskifSeniorsCard discounts are availablewhenyouspeaktoyourtradesperson.

Energy tools and calculators via Seniors OnlineLearn how to take charge of your power bill by using the Switch On energy calculators and tools. Available at www.switchon.vic.gov.au, many of these tools are now also available via Seniors Online at www.seniorsonline.vic.gov.au.

Compare and save on electricity and gas• TheVictorianGovernment’sYourChoicewebsite

(www.yourchoice.vic.gov.au) lets you compare your energy consumption against the deals offered by a range of electricity and gas retailers. With new ‘flexible’ electricity pricing here from mid September 2013, Switch On (www.switchon.vic.gov.au) will feature an electricity price comparator tool for you to compare retailer offers.

Complaints about electricity, gas or water supply • Ifyouhaveacomplaintthatyouareunabletoresolve

with your company, contact the Energy and Water Ombudsman (Victoria). Phone 1800 500 509, fax 1800 500 549, email [email protected] or fill out an online complaint form at www.ewov.com.au.

Savings on phone and internet• Manytelecommunicationscompaniesalsooffer

incentives for ‘bundling’ your bills – such as having your mobile, home phone and internet with the same supplier.

• TheAustralianCommunicationsandMediaAuthority’s(ACMA) website can help you compare mobile phone plans and offers. Visit www.acma.gov.au and type ‘mobile phone plans made easier’ in the ‘smartsearch’ box.

• Some,butnotall,telecommunicationscompanieshavecooling-off periods. Before signing a contract look at your telecommunication company’s Critical Information Summary for details.

Complaints about telecommunication companies• ContacttheTelecommunicationsIndustryOmbudsman

by phoning 1800 062 058, visiting their Melbourne office, faxing (1800 630 614), or lodging a complaint online via www.tio.com.au.

Formoreinformationaboutthe Energy Saver Incentive scheme or ‘flexible pricing’ visit www.switchon.vic.gov.au or contact the customer service centre on 13 61 86.

You can also phone your energy retailer to find out what ‘flexible’ plans are available to you.


Gardening is a wonderful way to get outdoors – and it doesn’t have to cost the earth. • Plantinpotsifyoudon’thavemuchspace.• Home-grownproduceisfresherandtastesbetter.• Savemoneybygrowingyourownfood.

Saving waterWith water bills on the increase, saving water means saving money.

• Keepaneyeontheweather,andonlywater if there’s no rain forecast.

• Considerbuyingadivertertoredirectwater from your downpipes into a water bin with a tap. Diverters can be bought from hardware stores or most garden centres.

• Water-efficientsprinklersystemslikedrippersystems deliver the right amount of water directly to plant roots. It means you don’t have to physically water the garden or lose water through evaporation.

• Recyclegreywaterfromyourwashingmachine.Useagarden-friendlylaundrydetergent,andsimplyconnect a long hose to your washing machine or get a plumber to set up something more sophisticated.

Growing your vegies? Ifyou’regrowingyourownvegies,suchastomatoes, lettuces, zucchiniandherbs,ask if your local nursery offersa10percentSeniors Card discount ontheirproducts.

‘It takes a while for our shower to heat

up. We collect those first few litres of cold water in a bucket for

the garden.’

Xiaomei • Aguidetohelpyouselectthebestlaundrydetergent for grey water re-use is available at www.savewater.com.au.

• A75mmlayerofmulchreducesevaporationbyas much as 70 per cent, as well as discouraging weeds, preventing erosion and keeping soil temperatures even. Contact your local council to see if they offer free or discounted mulch.

• Usedrought-resistantplants,andplantingroups of plants that need a similar amount of water to prevent over or under watering. Water according to the Permanent Water Saving Rules (PWSRs) in place across Victoria – visit www.depi.vic.gov.au or call 13 61 86.

Information and rebates • Youcanalsogetrebatesforpurchasingwater-

efficient products and appliances, and even for having a water conservation audit done. Read about the Living Victoria Water Rebate Program (page 25).

• Yourlocalwaterauthorityhaswater-savingtipsand rebate information. Or contact the Victorian Department of Environment and Primary Industries at www.depi.vic.gov.au or by calling 13 61 86.

Gardening and nursery savingsTheSeniorsCardDiscountDirectory has many businesses that offer ‘GardeningandNursery’discountproducts.Clickon‘SeniorsCard’onSeniorsOnlinethenselect‘DiscountDirectory’,oraskatyourlocalnursery.

Did you know? TheonlineSeniorsCardDiscount Directory on SeniorsOnlineisupdatedmonthly–visit www.seniorsonline.vic.gov.au.

In the gardenSavvy savings for seniors | In the garden


Responses to cost of living pressures

In recognition of growing cost of living pressures, the Victorian Government has:

• Extendedthe17.5percentelectricityconcessionforeligibleVictoriansto a full 12 months.

• IncreasedtheWaterandSewerageConcessionby16percentsince2011.

• Committedtoprovidinga$50concessionontheFireServicesPropertyLevy for holders of Pensioner Concession Card and Department of Veterans’ Affairs War Widows and TPI Gold Card on their principal place of residence.

Concessions The Victorian Government provides concessions to make essential services more affordable for low-income households in Victoria.

• Theseconcessionsapplytoyourwater,gas,electricity, municipal rates and motor vehicle registration, as well as education costs.

How do I receive these concessions?• ToaccessaVictorianGovernmentconcession,

you will need either a Centrelink Pensioner Concession Card or Health Care Card, or a Veterans’ Affairs Pensioner Concession Card or Gold Card. Not all cards are eligible for all concessions – check with your service provider to see if you are eligible.

• Moreinformationaboutstateconcessionsisavailable from the Concessions Information Line on 1800 658 521, or visit www.dhs.vic.gov.au/concessions.

Additional programs• Youmayalsobeeligiblefordiscountdental,

eye and hearing care, and free ambulance travel.

Entitlements, concessions and rebates

• Toaccessdiscountdental,eyeorhearingcare, you can make an appointment at specific community clinics. To obtain the telephone number of a clinic in your local area, call 1300 360 054 for dental, 9349 7455 (metropolitan) or (03) 9349 7434 (rural) for eye care or 1800 555 013 for hearing services.

Living Victoria Water Rebate ProgramThe Living Victoria Water Rebate Program provides incentives for Victorian households to save water and money when purchasing water efficient products including rainwater tanks, dual-flush toilets, washing machines, pool covers and garden products.

Households can claim up to $1,500 for the installation of a rainwater tank connected to the toilet and/or laundry. Only homes where the building permit for the house was issued before 1 May 2011 are eligible for the rainwater tank rebates.

All products must be purchased and installed between 1 July 2012 and 30 June 2015.

FurtherinformationontheProgram,includingclaimforms and terms and conditions, is available at: www.depi.vic.gov.au/water/saving-water/water-rebate-program or by contacting 136 186 or your local water supplier. Terms and conditions apply.

Savvy savings for seniors | Entitlements, concessions and rebates

Concession Cards

Looking for advice? Seniors Information Victoria is funded by the Victorian Governmenttoofferfreeinformationonarangeofissues of interest to older Victorians.Learnmoreatwww.cotavic.org.au or by phoning1300 135 090.

Special offers on Seniors Online SeniorsOnlineisregularlyupdatedwith‘SpecialOffers’–discountsof 20percentormore! Clickthe‘SeniorsCardSpecialOffers’iconon thehomepage.

S


Frequently asked questions

Who can I contact if I am having trouble receiving a discount from a business that advertises discounts for Seniors Card holders?Ring the Seniors Card program on 1300 797 210 or email us at [email protected].

A business I want to use won’t offer me a Seniors Card discount. What can I do?Not all businesses participate in the Seniors Card program. Businesses that don’t participate are under no obligation to offer discounts to Card holders.

I have lost my Seniors Card. How can I get a replacement?Visit Seniors Online at www.seniorsonline.vic.gov.au. There is a replacement card form on the website, which you can complete and submit or you can contact us by phoning 1300 797 210.

How do I update my personal details?Visit Seniors Online at www.seniorsonline.vic.gov.au. There is an update your details form on the website, which you can complete and submit or you can contact us by phoning 1300 797 210.

Can my Seniors Card be used in other states or countries?As a Victorian Seniors Card holder, you can access concession travel in all states and territories of Australia. Many interstate businesses will also accept your Victorian Seniors Card.

Victoria and New Zealand signed an agreement in 2011 that allows Victorian Seniors Card and New Zealand SuperGold Card holders to access discounts from a wide range of participating businesses. Fordetailsofparticipating New Zealand businesses, visit www.supergold.govt.nz or call 0800 25 45 65 while in New Zealand.

There is no reciprocal agreement with any other country. However, some overseas businesses may offer a goodwill discount to Victorian Seniors Card holders.

Contacts for more information The following is a summary of all the contact points contained in this booklet.

Active Ageing Network www.activeageingnetwork. org.au 1300 135 090Australian Communications and Media Authority www.acma.gov.auBroadband for Seniors www.necseniors.net.au 1300 795 897Concessions Information Line www.dhs.vic.gov.au/concessions 1800 658 521Consumer Affairs Victoria www.consumer.vic.gov.au 1300 558 181Dental Health Services Victoria 1300 360 054 Department of Environment and Primary Industries www.depi.vic.gov.au 13 61 86Department of Justice www.justice.vic.gov.au/protectyourselfonlineEnergy and Water Ombudsman www.ewov.com.au 1800 500 509Energy Saver Incentive scheme www.switchon.vic.gov.au 13 61 86Eyecare 9349 7455 (metro) or 9349 7434 (rural) Flexible Pricing www.switchon.vic.gov.au 13 61 86Food Cents www.foodcentsprogram.com.au/shop-smart/true-cost-of-foodHearing Services 1800 555 013Home Energy Saver Scheme1800 685 682

Learn Local www.acfe.vic.gov.au [email protected] Life Activities Clubs www.life.org.au 9662 2930Living Water Rebate Program www.depi.vic.gov.auLocal libraries www.libraries.vic.gov.auMarket Fresh www.marketfresh.com.auMelbourne Bike Share www.melbournebikeshare. com.au 1300 711 590Melbourne Visitor Shuttle www.thatsmelbourne.com.au/shuttleMen’s sheds www.vicmensshed.orgNational Gallery of Victoria www.ngv.vic.gov.au 8620 2222 National Trust www.nationaltrust.org.au 9656 9800Neighbourhood houses www.anhlc.asn.auNew Zealand SuperGold Card www.supergold.govt.nz 0800 25 45 65 (in NZ)Parks Victoria www.parks.vic.gov.au 13 19 63Public Transport Victoria www.ptv.vic.gov.au 1800 800 007Save Water www.savewater.com.auScamwatch www.scamwatch.gov.auSeniors Information Victoria www.cotavic.org.au 1300 135 090

Smartraveller www.smartraveller.gov.auSustainability Victoria www.sustainability.vic.gov.au 1300 363 744Taxi Services Commission www.taxi.vic.gov.au 1800 638 802Telecommunications Industry Ombudsman www.tio.com.au 1800 062 058Telstra www.telstra.com.au/telstra-seniors That’s Melbourne www.thatsmelbourne.com.auTravellers Aid Australia www.travellersaid.org.au 9670 2072 or 9610 2030University of the Third Age www.u3avictoria.com.au 9670 3659Victorian Government www.vic.gov.auVictorian Seniors Festival www.seniorsonline.vic.gov.auVisit Victoria www.visitvictoria.comV/Line www.vline.com.au 1800 800 007 Volunteering Portal www.volunteer.vic.gov.au 9096 1183Yarra Trams www.yarratrams.com.au 1800 800 007Your Choice www.yourchoice.vic.gov.auZoos Victoria www.zoo.org.au 1300 966 784

Savvy savings for seniorsSavvy savings for seniors

Other resources and contacts


Contact usRefer to back cover for full contact details.

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28 | www.seniorsonline.vic.gov.au

Privacy notice The Seniors Card program collects and uses your personal information for the purpose of administering the Seniors Card program. This includes mailing to you your Seniors Card, free travel vouchers, publications, surveys, government information and special offers from participating businesses. The Seniors Card program respects your privacy. If you would like to read our Seniors Card: ‘Your Privacy’ Notice please call 1300 797 210 or visit us online at www.seniorsonline.vic.gov.au.If you would prefer not to receive the Seniors Card publications in the future or would like to access or update your personal information, please call Seniors Card on 1300 797 210 or email [email protected]. The Seniors Card programispartoftheDepartmentofHealth.Formoreinformation on the Department’s privacy policy visit www.health.vic.gov.au/privacy.

DisclaimerThis publication and the enclosed materials have been provided to you for information purposes only. The State of Victoria: •doesnotendorseanyparticularorganisation,

product or services named in this publication or enclosedmaterials;

•doesnotacceptanyresponsibilityforanyerrors,omissions or inaccuracies that may be contained in this publication or enclosed materials and disclaims allliabilityforerror,lossorotherconsequencewhichmay arise from you relying on any information in this publicationandenclosedmaterials;and

•doesnotrepresentorwarrantthatanyserviceorproduct specified in this publication or enclosed materials is of a particular standard or is suitable for your needs, and has not assessed whether the service or product is of a particular standard.

Before purchasing any goods or services or relying on any information referred to in this publication or enclosed materials,youshouldmakeyourownenquiriesaboutwhetherthegoodsorservicesareofgoodquality and are suitable for your needs, and if necessary, seek independent financial, legal or medical advice.



If you would like to receive this publication in an accessible format please phone 1300 797 210 usingtheNationalRelayService133677(TTY)ifrequiredoremail:seniorscard@health.vic.gov.au.ThisdocumentisavailableasaPDFontheinternetat:www.seniorsonline.vic.gov.au.© Copyright, State of Victoria, Department of Health 2013. This publication is copyright, no part may be reproduced by any process except in accordance with the provisions of the Copyright Act 1968. Authorised and published by the Victorian Government, 50 Lonsdale St, Melbourne. Except where otherwise indicated, the images in this publication show models and illustrative settings only and do not necessarily depict actual services, facilities or recipients of services.August2013(1308001)PrintmanagedbyFinsburyGreen.Printedonsustainablepaper.

Interstate Seniors Card offices If you are travelling interstate, contact the appropriate Seniors Card office for details about discounts available to you as a Victorian Seniors Card holder.

Australian Capital Territory Seniors Card COTA ACT Phone: (02) 6282 3777 Website: www.actseniorscard.org.au

New South Wales Seniors CardPhone: 1300 364 758 Website: www.seniorscard.nsw.gov.auNorthern Territory Seniors CardPhone: 1800 777 704 Website: www.dcm.nt.gov.au

Queensland Seniors CardPhone: 13 QGOV (13 74 68) Website: www.qld.gov.au/seniorscard

South Australia Seniors CardPhone: 1800 819 961 Website: www.sa.gov.au/seniorscard

Tasmania Seniors CardPhone: 1300 135 513 Website: www.seniors.tas.gov.au

Western Australia Seniors Card CentrePhone: (08) 6551 8800 Website: www.seniorscard.wa.gov.au

30 | www.seniorsonline.vic.gov.auwww.seniorsonline.vic.gov.au | 1300 797 210

Contact usVisit Seniors Online at www.seniorsonline.vic.gov.au or contact us using the details below: Phone: 1300 797 210 Fax: 1800 004 413 Email: [email protected] Post: GPO Box 4316, Melbourne, VIC 3001

If you are deaf, hard of hearing or have a speech impairment, dial the National Relay Service on 133 677 (TTY users) or 1300 555 727 (Speak and Listen users) before calling the Seniors Card program phone number.

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