Compulsory income management has been touted as a measure to bring financial stability to welfare recipients’ lives, improving the health and wellbeing of individuals and communities in the process. In reality, however, compulsory income management can have contradictory and even counterproductive effects. This chapter explores the impact of compulsory income management on participants’ wellbeing and sense of self. It shows that – while financial stress and reduced financial control are key concerns for many participants – the infantilisation and stigmatisation that compulsory income management involves are also powerful stressors. Together, these factors can contribute to significant reductions in participant wellbeing, harming cardholders, their families and their communities. The influence of financial deprivation on physical and psychological wellbeing underlines the importance of available funds, personal autonomy and social connectedness for good health. While a minority of individuals experience improved financial and material stability under compulsory income management the social and emotional impacts of the policy have been largely negative.
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