Kerry is mother to a 10-year old daughter. She started full time study when her daughter was two, and part-time work when she was five. The shift onto Newstart at the beginning of 2013 left Kerry and her daughter a massive $220 a fortnight worse off. Most weeks now Kerry finds her financial outgoings are greater than her incomings. She is only surviving by dipping into her rapidly diminishing savings. In 2013 Kerry’s car was badly damaged in an accident and she wasn’t able to fix it or replace it. Relying solely on public transport for school pick-ups, shopping and work has added to the hardship experienced by the family, and further reduced Kerry’s future employment options.