The details of how a voluntary income management programme might work is outlined in the chapter. The chapter also explores other means of building financial capability, using developmental and educational models and insights from the research literature on poverty reduction. In considering alternatives to punitive forms of welfare conditionality, the chapter highlights some of the differences between New Zealand and Australia, as there are lessons which Australia could learn from the use of mentors and more empowering forms of budget support in the case of New Zealand. This chapter also revisits the mixed economy of welfare by suggesting that non-government organisations could play a more enabling role in the lives of low-income households if they were encouraged to work in ways that would promote a different set of assumptions and principles to improve economic security and community wellbeing. The links between economic security and well-being are elaborated, using the public health research that demonstrates that economic insecurity is a strong determinant of mental health. Drawing on insights from a range of studies and disciplines the chapter concludes with an argument for evidence informed social security policies, which will help to reframe questions of economic and social security.
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