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  1. #31
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    I know, I went through all of this years ago.

    to those playing with the calculators: keep in mind when you use the c/link calculators that when you are estimating your single parenting payments you have to put your 'income' as your $14k (or whatever it is) PPS payments you would theoretically be receiving. A lot get caught out this way - they put $0 as income which makes the amount look higher than you would realistically receive.

    ETA: also keeping in mind that while you lose some benefits such as full CCB etc some expenses are halved such as rent, electric, etc. No longer two lots of housing and expenses relating to that to pay.
    Last edited by Benji; 08-02-2013 at 13:15.

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  3. #32
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    i wish i had waited for a new financial year to repartner. when they calculate my ftb they take both our full financial year income and pay me on that. my partner changed jobs the same week he moved in here and now earns way less. basically we are being paid ftb for an income of $2500 p/f but now he only earns $1600 a f/n. so huge difference. i can see why people dont declare straight away now. we will struggle until the new financial year and i am paid my ftb on our true yearly income.
    I have a child who is going through medical issues and costing a fortune. it is so hard. I can undertand where you are coming form op.

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  5. #33
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    Default Single to partnered how do u cope

    Quote Originally Posted by ~Temet Nosce~ View Post
    No I agree with you benji, I don't understand how people think they could be better off on spp
    For me, it's pretty simple. DH earns just over what I was getting as a single parent - and my payments have dropped to virtually zero.
    I lost all my concessions - so no more bulk billing for the kids (both have special needs are require lots of visits to the GP) or me, no more discounted car rego, electricity/gas, etc. Grocery bill has doubled. Gas & Elec have gone up. My Child Care Benefit has dropped by over 25% so Childcare has gone up to almost double what I used to pay. Plus now there is also my DH's debts to pay too; loans etc.

    As a single parent I didn't have money trouble. It was never a stressor, I was totally debt free (no loans, own my car fully, no credit cards etc). I didn't spend days and nights worrying about money and arguing constantly over money. I didn't have to consider dropping DD to one day of CC due to lack of affordability (I study full time hence the need for CC). I'm no longer eligible for study rebates etc I previously got as a concession holder. I lived, I lived well, and I always had money left over. Now we live, we survive, we fight over money and we don't have any left once all our expenses go out. We don't even spend on "luxuries" - I'm talking rent, car loan, groceries, credit card, furniture rental, insurance, drs/psychologist/medications, school fees, Childcare, lawyers fees for DS, keeping DS and DD clothed, pay some off our elec & gas so we don't take a huge hit when they come in. Then that's it. Our money is gone!

    Yep financially DH brings in more a year than the $14K I got on PPS but that doesn't actually make us any better off.

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  7. #34
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    Quote Originally Posted by PinkSmarties View Post
    For me, it's pretty simple. DH earns just over what I was getting as a single parent - and my payments have dropped to virtually zero.
    I lost all my concessions - so no more bulk billing for the kids (both have special needs are require lots of visits to the GP) or me, no more discounted car rego, electricity/gas, etc. Grocery bill has doubled. Gas & Elec have gone up. My Child Care Benefit has dropped by over 25% so Childcare has gone up to almost double what I used to pay. Plus now there is also my DH's debts to pay too; loans etc.

    As a single parent I didn't have money trouble. It was never a stressor, I was totally debt free (no loans, own my car fully, no credit cards etc). I didn't spend days and nights worrying about money and arguing constantly over money. I didn't have to consider dropping DD to one day of CC due to lack of affordability (I study full time hence the need for CC). I'm no longer eligible for study rebates etc I previously got as a concession holder. I lived, I lived well, and I always had money left over. Now we live, we survive, we fight over money and we don't have any left once all our expenses go out. We don't even spend on "luxuries" - I'm talking rent, car loan, groceries, credit card, furniture rental, insurance, drs/psychologist/medications, school fees, Childcare, lawyers fees for DS, keeping DS and DD clothed, pay some off our elec & gas so we don't take a huge hit when they come in. Then that's it. Our money is gone!

    Yep financially DH brings in more a year than the $14K I got on PPS but that doesn't actually make us any better off.
    When I looked at it I would be about $1000 better off a month if I left my husband at least now I see why I have "friends" (I dont really like them anymore and dont speak much) that go out get pregnant and then ditch the guy because that $1000 didnt even take into account the money from Child support since I dont claim it I figured I would get a realistic figure by not including it.

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    Default Single to partnered how do u cope

    Well after doing the calculators and putting in spp in the taxable income per yr and my DP 45k I'd get $439 a fortnight a huge loss meaning he would have to take on all bills and I would be basicly paying for only groceries unable to pay for rent for my course or any debt I have pead bills medication elec gas or anything. It's simply crap how anyone could be expected to live off that my DP Doesn't exactly get a great wage and after our bills we would be struggling to stay afloat it will strain us so much it worries me
    So looks like until I'm able to clear my debt get a cheaper rental finish my course get my licence an a job that DP won't be moving & staying at his mums in we just wouldn't cope
    Last edited by jagamoe; 09-02-2013 at 14:10.

  9. #36
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    Quote Originally Posted by jagamoe View Post
    Well after doing the calculators and putting in spp in the taxable income per yr and my DP 45k I'd get $439 a fortnight a huge loss meaning he would have to take on all bills and I would be basicly paying for only groceries unable to pay for rent for my course or any debt I have pead bills medication elec gas or anything. It's simply crap how anyone could be expected to live off that my DP Doesn't exactly get a great wage and after our bills we would be struggling to stay afloat it will strain us so much it worries me
    So looks like until I'm able to clear my debt get a cheaper rental finish my course get my licence an a job that DP won't be moving & staying at his mums in we just wouldn't cope
    yes after going through this I can see why people rort the system. I wont do it but we are no struggling due to the way it has worked out for us, although as i said in a previos post, it will be a little easier for us in the new financial year. I just find it hard as my partner is also supporting 4 kids of mine that are not his

  10. #37
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    Default Single to partnered how do u cope

    Yerp can make things hard today for example after paying rent , pead appointment & gp appointment I'm left with $20 until get the Medicare rebate and if DP were to move in I wouldn't even be able to afford to take DS to his appointment It's scary also that DP will be financially responsible for DS even though not bio father

  11. #38
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    So we've decided DP should move back in this coming weekend with me being preg n all n know its going to be a struggle $ wise but I need the little but extra help with having him here more especially as I get a bigger belly & can't lift as much etc. then he goes n buggers his back st work with no annual leave or sick days used them when DS was sick in hospital & dr stuffing around with the work cover form ,Centrelink appointment tomorrow to sort out going partnered day I'm supposed to get paid but payment is suspended until transferred to partnered so who knoes when that will be n DP won't be getting paid much at all this week due to not being at work since Monday so not a good time for us how us anyone supposed to manage ?

    I now won't get paid until next week n will be alot less due to now being partnered & living together hoping dp can go back to work by then or get something organized with work cover

    Urgh dunno how we are going to pay rent or anything so bloody frustrating.
    Is anyone partnered & report each fortnight cause income varies ?

  12. #39
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    Your last question - df's income does vary each fortnight so I have to report it on a Friday to receive (maybe) parenting payment on Tuesday.

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    Hopefully things pick up for you and dh fast OP. You sound so stressed, I would be too!
    We have to report each f/n. It's a pain, but atleast you don't end yo eith a c/link debt.

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