A person who receives a category D welfare payment and is subject to the enhanced income management regime under section 123SD or 123SDA :
(a) may use the balance of the qualified portion of the payment, as paid under section 123SN, to obtain goods or services, other than:
(i) excluded goods or excluded services; or
(ii) a cash - like product that could be used to obtain excluded goods or excluded services; and
(b) may use the unqualified portion of the payment, as paid to the person, at the person's discretion.