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  1. #1
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    Default How do single mums to 3 children survive money wise??

    My partner and I are on the verge of breaking up and I went on the centerlink website to see what I would be able to get once we broke up and the amount isn't even liveable! I would get $600 from centerlink and $400 for Child Support so $1000 a fortnight and that includes rent assistance. How can anyone live on that?? If your rent is say $300 a week that's leaves $400 a fortnight for food, bills, petrol, school fees, etc. the Childcare percentage barely changed so I couldn't even afford to get a job to help with the bills. How do single mums to 3 or more kids afford to live on their own?

  2. #2
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    Please also note you would get FTB as well but i am unsure how mich with 3 children as its also reduced with CS and also rent assistance too if you rent.

    I struggle with just the one child so unsure how hard it would be with 3 children sorry.

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    As a single parent not working your child care percentage should be 100% not sure why it is telling you otherwise. You would also get family tax a and b depending on what your child support would be. If your rent is $300 per week it is entirely doable you just need to be disaplined IMO

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    The above was with both fTB A & B. I don't know if i hit the wrong button or if that is the amount people are living off?

  5. #5
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    That doesn't seem right....

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    I have looked it up before just to see and for my 3 kids it averaged around 700 a week which to me is doable paying 300 a week rent.

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    That figure sounds a tad off? was that just PPS figures? or did it include FTB and rent assistance as well?
    I get just under 1400 a fortnight, everything included (however I don't receive a cent in child support as I'm on an exemption due to DV).
    I will admit it's not easy, and there are huge sacrifices I've had to make. Some weeks we only just scrape by. My bills are often paid late, I have to not pay some things to pay for others that come up, and if one gets sick - it throws everything out.
    I've actually just started delivering catalogues to earn a tiny bit of extra income to try and help us get through. I drag my younger two with me while the eldest is at school. It's sucky work, sucky pay - but I do it to survive.
    It's insanely tough, I won't lie.... but you learn to adjust and make do. I'd love to be able to take my kids to made places, and do things other families do, but in the end, they don't make or break a decent upbringing, we make our own fun and my kids are still happy and excited about doing things!
    Some tips I've learnt (been a single mum for almost 4 years if you connect all the time together - as my last relationship was very touch and go due to his abuse etc) -
    Op shops aren't as bad as they are made out to be, once all 3 kids have outgrown a certain clothing size, I sell them off to replenish what was destroyed, or start on the next sizes up. I don't ever buy full price clothing. I wait until the clearance sales, the savings are unbelievable. I recently went and bought a heap of size 6 and 7 for my eldest to grow into, what would have cost me 69 only cost me 29... HUGE saving.
    Make sure you check, or always ask, if there is concession on things. Phone, electricity, gas, internet... the lot. Licenses, registration, water. It all helps out drastically!
    Layby things, some places even often longer laybys and cheaper deposits for pensioners.
    Remember to always present your pensioner card at doctors and chemists, as you get cheaper PBS medicines and a lot of surgeries bulk bill if you're on a HCC.
    Use the fuel dockets every chance possible.
    Flybys and everyday rewards everywhere you can, cause once they mount up you can claim $20 or $50 vouchers, I put them back into the groceries and you get a saving that week.
    I use cloth nappies, I'm using the same outers I did on DS1 on DS3 - I only have to replace the inserts when they are falling apart (about every 1.5-2 years)!
    Always make sure rent is the first thing paid. From there do the rest of the bills. Salvos and Vinnies can help out with food vouchers, and also help if you're facing disconnection to main utilities. So there is always help. I've had to ask for help with food a couple of times, and while it is embarrassing, it's what they're there for, and they are so friendly and willing to help!
    DS's school isn't that far away, so whenever possible I try walk to and from to save the petrol.
    Any money I have left at the end of the week I transfer over into a second account, and that's my "savings". It's always handy if you run over the fuel budget, or need emergency medicine etc.
    Centrepay where you can, means when you get a bill (gas, electricity etc) it's dramatically lower or you're ahead. Some states you can even put money on a card for upcoming rego (done through the post office).
    Food wise, make things in bulk and freeze, search for specials and base the meals off of them for the week/fortnight). Takeout is an extreme rarity for us. I do a lot of baking etc for snacks/school as it's so much cheaper.
    Ebay and gumtree, even freecycle are amazing for finding things you need about the house, for cheap, and sometimes even for free.
    It's so scary and daunting. Not to mention it's emotionally and mentally hard. But it is doable! If you ever want someone to talk to, feel free to pm me!

  8. The Following 2 Users Say Thank You to 3LilMonkies For This Useful Post:

    Boost  (10-03-2012),Mumma2threecherubs  (25-11-2013)

  9. #8
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    How much does CC cost once you factor in CCB and CCR? With CCR only I pay $40 a day. Say you have 2 kids at CC then it is $80 per day. Surely you would make more than that working?

  10. #9
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    PPS $641
    FTA $492
    RA $140
    FTB $140

    Total $1413

    This is just the basics I found on the centrelink website please be aware it doesn't take into account any child support you may receive. Figure are based on max everything and not working. If you find a job you may also be entitled to JET for the first six months as well which covers your childcare costs except for 10cents and hours. My sisters childcare percentage with three kids and very low income is 105%

    hope this info helps.....

  11. #10
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    The amounts Nelle has mentioned in her post seem more accurate. When I was a single mum I was getting $1100 per fornight in centrelink benefits - Full amounts of FTB A&B SPP and Rent Assistance, I was also entitled to 110% childcare benefit as I was not working. I also got a further $200 in CS per fortnight.


 

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