How to Use Your NDIS Funding: 7 Practical Tips for Participants

The National Disability Insurance Scheme (NDIS) is designed to empower people with disabilities to live more independent and fulfilling lives. But to make the most of your NDIS plan, you need a clear strategy.

At Bright Lilly Healthcare, we specialise in helping participants just like you manage their funds, select the right supports, and reach personal goals without stress. In this guide, you’ll learn how to use your NDIS funding effectively with simple, actionable advice. If you’re new to the NDIS and not sure where to start, check out our step-by-step guide on how to apply for NDIS to get clear on the process before managing your funding.

What Are the NDIS Funding Categories?

Category	What It Covers	Examples

Core Supports

Daily living activities, transport, community participation

Personal care, meal prep, transport

Capacity Building

Long-term development and independence

Therapy, job skills training, social work

Capital Supports

Investments in equipment or home modifications

Wheelchairs, ramps, assistive tech

Understanding these categories is the first step in using your NDIS plan effectively.

1. Set Clear Personal Goals

Your plan should reflect your ambitions. Whether it’s learning to cook, finding employment, or improving mobility—make sure your goals are:

Specific (e.g., “learn to use public transport”)
Measurable (progress can be tracked)
Realistic (within scope of funding and timeframe)

These goals determine what services and supports are considered reasonable.

2. Track Your Budget and Spending

Keeping a clear record helps you avoid overspending or under-using your funds.

Tracking Tool

Description

Where to Get It

NDIS myplace Portal

Official online dashboard for all plans

NDIS Website

Budgeting Sheet

Custom Excel or Google Sheet

Ask our team for a free copy!

Plan Manager Reports

Monthly statements via your plan manager

Bright Lilly Plan Support

3. Combine Supports for Maximum Value

Some supports fall into more than one category. Example:

A group outing may support social skills and emotional well-being
Cooking classes could improve independence and health

By thinking strategically, you can get more outcomes from each dollar.

4. Be Proactive Before Your Plan Review

Plan reviews are your chance to request more support or funding. Start preparing at least 2 months before your review by:

Writing down which supports helped
Listing any challenges or new goals
Collecting reports or invoices as evidence

We guide all our clients through this process. Talk to our team if you’re unsure. Call 08 9526 8547

Stay Within Budget Using These Tips

Tip	Why It Works

Set monthly spending limits

Avoid using all funds too quickly

Use free or low-cost community resources

Great for social engagement and value

Monitor funding regularly

Catch overspending or gaps early

Looking for more NDIS budget tips? Our support team can help you set a custom plan.

6. Understand What’s Not Covered

Not everything is NDIS-approved. Here’s a quick reference:

Not Funded Items

Reason

Everyday groceries

Considered general living expenses

Rent or utility bills

Not directly related to disability supports

Overseas travel

Unless pre-approved and goal-specific

7. Get Help From Professionals

Don’t go it alone. Our expert support coordinators and plan managers help:

Explain funding categories in plain English
Recommend services that match your goals
Ensure you get the most from your plan

Whether it’s personal care, respite care, or NDIS plan management, Bright Lilly Healthcare is here to help.

Ready to Get Started?

Maximise your NDIS plan today. Contact Bright Lilly Healthcare for a free consultation or visit our contact page to speak with a real person.

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