Stronger Then Broke: A straight talking money guide for Australian single parents on Centrelink and caring for kids. build a safer financial future-wi (Paperback) (ISBN-13: 9798257128912)

Stronger Than Broke
A straight-talking money guide for Australian single parents on Centrelink and caring for kids (often with disabilities).

If you're a single parent in Australia, living on Centrelink, juggling kids (maybe with extra needs), and trying to hold everything together on your own, you are not lazy. You are not a failure. You are carrying a load most people couldn't survive.

This book is your lifeline.

Stronger Than Broke is written for the real world you live in - school runs, therapy appointments, meltdowns, myGov messages, and nights spent staring at the ceiling worrying about the next bill. There's no "just work harder", no investment jargon, and no judgement.

Inside, you'll find:

• A crisis-mode Quick Start for the days when everything is on fire
  Clear 3- and 7-step plans to keep you and the kids safe, triage bills, and choose one tiny next step when your brain is fried.

• Plain-English Centrelink and NDIS guidance
  Understand Carer Payment, Parenting Payment, JobSeeker, Family Tax Benefit, Rent Assistance, concessions and the NDIS - with scripts you can use on the phone.

• A realistic, fortnight-based budget
  Built for Centrelink cycles, bad mental-health days, and unpredictable kid costs - not for glossy spreadsheets.

• Shame-free debt help
  How to prioritise debts and fines, deal with overpayments and Afterpay, and when to call a free financial counsellor.

• Gentle side hustles that won't break the carer
  Low-energy, low-risk ways to bring in a bit extra around school and therapy - and how to report it so Centrelink doesn't become a nightmare.

• Self-care and boundaries that actually fit single-parent life
  Tiny nervous-system resets, burnout warning signs, and three sentences you can use to protect your energy.

• Simple investing for Australians
  How your super works, what ETFs and index funds are, and how to start with very small amounts when (and only when) you're ready.

You'll also get:

• Fill-in worksheets for budgeting, debt, side hustles, investing and self-care
• A re-usable 90-day reset checklist for when life blows up again
• An honest final chapter on what "success" really looks like when you're starting from survival, not comfort

This is not a fantasy "get rich quick" book. It's a get stable, get breathing room, and slowly build real security book - written by someone who knows what it's like to check the account five times before buying bread.

If you're tired of feeling like you're always one bill away from disaster - and you're ready to take back even a little bit of control, one tiny step at a time - this book is for you.

You are not just broke.
You are stronger than broke.
Now it's time to let your money and your life catch up with that truth.