Ever wondered how WINZ gives people emergency money for food, etc? Quite possibly not. For a while I just assumed they transferred it into your bank account – the problem with that being that it probably won’t go through until the next day, and the other problem being that in our system of no trust for beneficiaries, how could the government know you were spending it “right”?
I had a meeting with a lady called Bonnie today to clarify some things about my medical appeal, starting with the fact that it was a medical appeal rather than a standard appeal. Bonnie was actually very nice and helpful, far better than some other people I’ve dealt with, so if anyone else is in the Porirua WINZ area, props to Bonnie. Anyway, while we were talking she asked me some questions to get an idea of my circumstances and what was going on with my application for the disability allowance. I told her I’d been waiting until I had enough money to go to the doctor to fill out the medical certificate. To be honest, I could probably have afforded it this week because I got a heap of groceries last week due to the amazing generosity of a friend. But instead she checked with the clinic how much it would cost me and authorised a payment for WINZ to cover it, since that’s literally the only reason I need to see a doctor in the next just-over-two-months. While she was doing that she also authorised a payment for me to get some more groceries.
So, this is a payment card. It works just like an EFTPOS card. Underneath that black bit is an 8 digit number, as opposed to the 16 digits on a credit card. The last four digits are the PIN, and yes, this is incredibly insecure, and it’s been in the news before, and it’s still how they do it. (Please don’t use this information to steal someone’s payment card, for the love of everything good and true.) While it doesn’t have a WINZ logo or label or anything, it’s still pretty distinctive. It doesn’t look like any of the bank cards that are common and it only has 8 numbers. If you’d seen one before, you’d definitely recognise it very easily. It also flashes up on the EFTPOS screen saying “WINZ Payment”.
While they had money for both the doctor and the groceries on the card, they have a way of programming it so that each portion of money can only be spent in certain places. The money for my doctor appointment (which she was pretty shocked by – she kept going “That’s so much!”) can only be spent at my doctor. The money for my groceries can be spent at any supermarket, but nowhere else. Further, the money is only good for three days. The day you get it and the two following. My doctor’s appointment is tomorrow so I didn’t need to worry about paying for it in advance, and after WINZ I went to the Warewhare to get a couple of badly-needed clothing items, Reduced to Clear to see if they had anything I needed (got some cheap cheese, considered and then dismissed some frozen capsicum or strawberries), and then straight to the supermarket.
((ETA: Apparently the card isn’t actually accepted at all supermarkets either. The Tawa New World doesn’t take them, so I’d have had to go right up to Porirua to use it anyway. Luckily I’d done the bulk of my shopping yesterday, and this was just a quick “NW has cheap watermelon and also that Popsicle slushie that I like” and I could put it on my debit card.))
It is a real experience being in a supermarket when you’ve spent months carefully budgeting your food, suddenly having a lot more money than you’re used to spending. And, of course, I do have more food at home than would usually send me to the shops. But normally my food budget is $30 a week, and while I’m getting used to that and pretty good at sticking to it, it does leave me a bit low on some nutritional areas, especially in the fresh produce section. I am not particularly upset at getting more money, you know? I also have a couple of gaps that have appeared in the last week, so I filled those in, got some stuff that isn’t hugely perishable, a couple of first aid kit things like band aids, and yeah, quite a few indulgences. Seriously guys, if you see someone with a payment card and you think some of their purchases are questionable, it’s because they haven’t been able to buy those things in a really long time. I never shop without carefully assessing each item and keeping a running tally in my head. And to be honest, I was still carefully assessing each item. It’s a hard habit to break. I knew there was no chance I’d hit the limit though, and indeed there is quite a bit left on there still. I might pick up a snack tomorrow after the doctor, I might not, but a decent chunk will go back to WINZ when the three days are up.
Sadly some of the restrictions on the card such as only spending grocery money in supermarkets have negative affects aside from just reflecting the government attitude towards the poor. One of the biggest is that if anyone has an arrangement for getting food from other sources, like community schemes where you put in money and get a box of vegetables, or shopping at a good cheap farmer’s market, or farm gate sales, you can’t use a payment card there. I also can’t use it at Reduced to Clear (actually I’m only about 95% sure of that, I forgot to ask but since it’s not a supermarket and she was listing Countdown, Woolworths, etc I suspect it’s not on the list), and not at the Warewhare either. Normally the Whare’s pretty expensive for food, but the stacks of things near the checkouts often have fantastic deals. Today I spotted boxes of those long tubes of coloured liquid that you freeze for cheap ice blocks. I would have been tempted if I could have spent the card there and if I could have easily gotten a box of 90 ice pops home. Instead I got a box of Frujus on special. (They were 5.99 from memory if you like Frujus. Countdown. Should be good until Sunday.)
That’s pretty much it, anyway. A very recognisable faux-EFTPOS card that can only be spent at certain stores that only lasts for three days. It was sort of interesting to find out about and I’m hugely grateful to Bonnie for getting me one. I’d just spent about ten minutes answering questions with answers that ended with “…but I can’t afford it” and teared up a couple of times when she was asking about family support and things. She asked once if I was “still” going to counselling and I sort of laughed and told her I couldn’t even start yet and even with the disability allowance I’d be down $9 a fortnight, plus transport. I also gave her the name of my GP in Christchurch who knows more of my background and can hopefully give some more comprehensive information for my claim.