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  1. #1
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    Default How do you afford it?!

    Single Mums, how do you afford to have your own place? Do you work? Do you SAH? Do you wish you could do the opposite? I am a SAHM for now, still on mat leave, DD is 9 mths. i don't want to go back to work yet, and I don't want to go back to my job as I absolutely hated it. I currently live at home so rent isn't a factor, and I desparately need to move out but I just don't see how it can be done.

    How do you get by? Living with my Mum is starting to get me down, we have different ideas of how a house should be kept and its not child proofed - I'm going insane here!

  2. #2
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    I work full time and rent. I could work much less and get more in terms of government benefits but I get other benefits from work. It also sets me up to be in a great position when both of the kids are going to school. It's hard sometimes but I make it work.

  3. #3
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    I've always worked up until about a year ago. I moved interstate where there was much cheaper rent at the time and started studying. I'm still technically working but only on a casual basis so it doesn't account for much.
    We got kicked out of our house and are about to move into a house that will cost me half my income for the first 6 months then even more for the last 6 months of lease. I'm fretting about how i'm going to afford everything.
    I have no real desire to be a FT SAHM. I'm at a bit of a loss with what i should do though. I was keen to keep on studying for the next few years in the hopes of kick starting a career and gaining some secure employment. Now i'm not sure if i should give up on it all and aim to get as much work as possible just to make ends meet?
    It's a really tough situation which ever way you look at it.

  4. #4
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    My rent was cheap, only 170 a week.
    If dp and i split again and i had to move i would be looking at 300$your a week , 300$ a week is over half of what a spp for me would be, idk how we would cope

  5. #5
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    I worked, studied and lived out of home. I'm currently back with my parents to save some money for a big holiday. It's doable, just need to get the right balance. I don't LOVE my job, but I do LOVE my workplace and the flexibility it affords. I work full time but I can start any time between 7am and 9.30am and finish anytime between 3pm and 6.30pm as long as I work 7hrs each day. We also work on a flex system so I have the potential to have one day off every fortnight- this helps with my study (I rarely study on weeknights because I'm too tired or on weekends because I think its unfair to my son).

    One step at a time. First find a daycare- a good one, one that you feel completely comfortable in. DS went from daycare and now right through to before and after school care and vacation care at the one centre. Makes things so much easier for him and me, and really, I can't fault them. They do awesome stuff for vacation care and help him with his homework after school (one less stress for me- I check it though).
    Than find that job (9-5 is easier to manage), and than save up some money and move on out. Study can be slotted in anywhere- if your in NSW, TAFE have reduced fees and you get subsidised from centrelink, do it by correspondence and it makes the whole process so much easier. If you can, match the job to the study so you can claim your study expenses on tax.

  6. #6
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    Thanks all! I'm not ready to put DD in child care just yet as she is 9mo but this house isn't really appropriate for a baby that is likely to be crawling soon. There are pets who are well taken care of, but their mess and smell drives me nuts. I guess there is just no way to have it both ways, stay with my parents & be afforded the luxury of being a SAHM until I'm ready, or put DD in CC & be able to have my own place but limited time with DD. Sigh

  7. #7
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    I was a ft sahm until last month. Im studying and am now picking up casual school hour work (teacher aide at my daughters school).
    I have cheap rent as its through a community housing program, we have a two bedroom unit with a decent yard.
    As a single parent living alone, you get some benifits like a health care card for cheap medicines and reduced health care costs. You will get rent assistance, and family tax benifit. Worth calling centrelink to find out exactly what you will be entitled to, so you can budget

  8. #8
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    WHen I was single, it wasn't something I could do as a SAHM, and being a SAHM was important to me. I had housemates. Not the best ones, but I think if you could find another single mother to rent with, or at least a mature (non-parting type) female, who likes children, it might be a lot easier.

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    I think you need to be savvy and smart. Think wider than just going to work and paying rent. As others have said:
    -room mates
    -sharing with another single mum
    -overseas students
    -can you run a family daycare from a potential rental property (there are stipulations but it might be do-able)
    -are there any 'live in' aupair jobs in your area which would suit you and DD where you don't have to pay rent and earn a little money too? Or a live in carer for an elderly person who requires someone to be there at night?
    -what did you do for work before? Can you use those skills to do something else/similar?

    Think outside the square and anything is do-able.

  10. The Following User Says Thank You to BbBbBh For This Useful Post:

    MermaidSister  (24-10-2012)

  11. #10
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    All of the above. I work and make sure I'm getting everything I'm entitled to (Centrelink, Child support etc.) Sometimes you need to get creative with ways of making money and managing it.

    Depends on the area too, and what the rents are like. Personally I choose to stay somewhere that's a bit overpriced but has lots of work opportunities, as well as long-established connections my kids and I have made with the local community. Those things are important to me.


 

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