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  1. #41
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    Quote Originally Posted by Benji View Post
    Wouldn't super for SAHMs address some of the gender imbalances re us retiring with so much less super?

    I tend to think that husbands should have to put some of their super into their wife's super account when she is a SAHM. When I split with ex I had given up several years of work to support him working (by caring for our son we created together) and was left with nothing but a big empty hole in my accounts.
    My husband makes voluntary contributions into my Super each week, at the same amount that is put into his by his employer. I am not certain as I I don't have anything to do with it, but I think we get tax breaks for doing this? I could be wrong though.

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  3. #42
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    We make do and live frugally. We live within our means. It can be done. Having said that I live rurally where rent and mortgage are significantly cheaper...

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  5. #43
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    Quote Originally Posted by Benji View Post
    That's one thing I don't like delirium - cuts to one group in order to give more to another.
    Agreed! But that is just maths unfortunately. To make a budget balance you must either reduce expenses in another area or bring in more income. And no one ever wants higher taxes either.

  6. #44
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    I would think though that the PPL would somewhat pay for itself bc a) you pay tax on the payments b) more women are likely to stay working bc the payments are more than the BB.

  7. #45
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    Quote Originally Posted by lambjam View Post
    See, we consider DH's super to belong to both of us. When I earn again, my super will also belong to both of us. If we were to split, then each of our super accounts would also be split.
    We do too, but my husband is self employed, so pays his own and he is Irish, so he doesn't have much super here as he hasn't worked here all his life. And with me only having limited contributions due to being a mum.

    That's why we will need to consider other ways to fund our retirement. Besides, if we have another gfc, we can't really on super alone, either.

  8. #46
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    Quote Originally Posted by OurLittleBlessing View Post
    Lol. Welcome to bubhub Jonsey, that was a brilliant typo! I hope you enjoy it here

    On a more serious note... I've been thinking about this stuff a bit lately, as my children are getting older and will both be in school by 2015.

    I'm starting to realise just how much they will still benefit from having a parent in the home, and hubby and I are wondering how we are going to juggle it all with him working an hour away and no family nearby... add to that the rising cost of childcare/difficulty finding after school hours care/school holidays care.... it's all feeling really hard to juggle. Maybe it's easier in reality than it sounds but I doubt it.

    How do the working mums and dads in our situation do it?

    It's kind of expected that SAHMs should go back to work once their youngest is in school, but I can see perhaps even more benefits of having a parent around then, not less.

    I dunno... does anyone know where I am coming from?
    mmmm I'm curious to know how a child would benefit with having a stay at home parent if the kids are at school? What would the point be? I for one would be bored being at home on my own with the kids at school, I would rather be out working but that's just me. I don't need to work financially, I choose to because I love my work.

    Dh works away, I work 4 days full days a week with 1 child in school currently. The second is in daycare the 4 days a week and the 5th day is our day together which I love. I don't find it hard to juggle, you just have to find that routine. Nor do I have family anywhere near close by to call on. I just manage.

    My day goes a bit like this;
    5am- get out of bed (ds2 is an early riser but ds2 may sleep in til 5.30)
    I have a shower and get ready
    5.40 - Breakfast for all including feeding the 3 furry family members
    6.00 - Kids dressed, teeth and hair brushed, pack ds1's lunch in his bag
    6.15 - watch a bit of tv, quick tidy up of dishes etc from the morning.
    6.50 - Out of the door
    7.00 - drop ds1 to wait for the bus to school
    7.10 - drop ds2 off at daycare and spend time reading etc with him
    7.30 - I am at work and ready to start
    I work through lunch. Finish at 3-3.30 depending on if I have had a break through the day.
    DS1 finishes at 2.20pm and goes home with a friend 2 days a week and has after school care 2 days a week. If he had to come back to work with me for an hour he would be able to and has done.
    I pick ds up by 3.30 and ds2 up by 4pm. I have time to zip to the shops if need be. I also have a few hours of daylight left to enjoy time with the kids before dinner at 6pm, bath,and bed by 7pm for ds2 and 7.30pm for ds1. I make ds's lunch and pack their bags when they are in bed and have clothes ready for all of us for the next day. Usually on Sunday morning I cook bulk meals and freeze for occassions during the week so I don't have to cook every night. The weeks dh is home it's that little bit easier as he is very productive and hands on.

    I also struggle when people suggest daycare fees are expensive, I don't think they are, not when a majority would be eligible for the ccb and the ccr and those not eligible for the ccb such as myself still get the ccr which is quite a cut leaving the oop manageable. Last year my oop for 2 in daycare was $330 per week which we didn't see as expensive. This year I have 1 less in daycare but school fees, excursions etc instead.

  9. #47
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    Quote Originally Posted by Kimberleygal1 View Post

    I also struggle when people suggest daycare fees are expensive, I don't think they are, not when a majority would be eligible for the ccb and the ccr and those not eligible for the ccb such as myself still get the ccr which is quite a cut leaving the oop manageable. Last year my oop for 2 in daycare was $330 per week which we didn't see as expensive. This year I have 1 less in daycare but school fees, excursions etc instead.
    Thats great that you dont find daycare fees expensive. For someone on a small wage of say $500 a week (fulltime wage), $330 is a lot of money.

    Just because your circumstances are different doesnt mean the cost of daycare for some isnt expensive. Working for $270 a week once daycare has been paid for isnt very much.

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  11. #48
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    I just wanted to say.

    I have had most if not all by now my super eaten up by fees.

    I get no holidays or sick pay yet work 7 days a week.

    I'm judged for "not working"

    I go without, I don't get a break, rarely get a holiday, I have made more sacrificing in my 3 years of parenting then I had previously my whole life.

    Am I doing this for me? No, I'm doing it because I don't want to pay for someone else to raise my child. I want to be there for her when she takes her first steps, says her first words, writes her name for the first time, learns the abc. I will be a teacher, caterer, cleaner, maid, and whatever other title my family needs me to be.

    I want to be able to drive my kids to school and pick them up, bring them home, make then a snack and help them with their homework.

    I don't get paid much at all, I do it because I feel it's the right choice for our family.

    I go without a career and the money and super that's comes with it. Do I do it for myself? No, I do it for my daughter.

    I don't like that I am looked down upon because I get a bit of FTB! I worked bloody hard for that money. I worked for years before DD, DH still works 40+ hours a week.

    I am still helping the economy by staying at home and raising my children. I am still an important piece in our society and economy. I don't think it's fair I should receive nothing for my "choice" to become a parent. I am extremely grateful for what I get but to have people assume I am a leech on the system is completely untrue.

    I have a lot of respect for working parents who make other sacrifices by working, yet in the government and some people's eyes they are more important?

    Yes being a parent was my choice but I am doing it for the greater good and I don't think it's fair I am punished for it. When the kids go back to school I am hoping I will find a job that can accommodate the kids school hours but I still want to be involved in the kids school by volunteering.

    I honestly hope DHs income increases enough for me to be as involved in the school as I'd like and just be able to do a bit of work here and there for some "pocket money and a bit of independence"

    I have so much more I want to say not his matter but my brain won't let me articulate it right now. What I have above isn't even exactly what I wanted to say lol.

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  13. #49
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    Kimberleygal your posts strikes me as you coming from a very privilidged position. $330 per week is a heck of a lot of money for a lot of families, and I think you're incredibly lucky to work the hours you do and have the support network you have.

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  15. #50
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    Quote Originally Posted by OurLittleBlessing View Post
    I don't expect anyone to agree with me, but I think we've become a society that is way too obsessed with material posessions and having fun (expensive holidays, dinners out regularly, shows etc). Both of which will almost definitely require a double income.

    From what I understand (I could be wrong of course) adding a second income used to mean that a family could live to a very good, if not great, standard. The problem now is that the cost of living has risen to reflect this, and now 2 incomes are necessary in most cases just to break even.

    I do realise how lucky we are for me to be at home with the children full time, and there is definitely some luck involved, but we also sacrifice a lot to do this because obviously it is important to us or I would be at work.
    Maybe not so much material possessions such as holidays and such. I think it's more that people find it more necessary these days to be in a better financial
    position for their childrens benefit. That's how it is for dh and I anyway. We haven't always earned good money and we have had our times at doing it tough financially. While I don't have to work, I want to, love my job and I like contributing financially for our family. Dh and I know our children will struggle buying a house etc by the time they grow up and want to make it easier for them financially. We certainly don't go on expensive holidays or dine out though. We also live remote where the cost of living is much higher, just an example is that rent is between $850 and $1,900 per week. Thankfully we don't have that to worry about but had we not bought all those years ago we would have. But just an example as to why families may need 2 incomes.


 
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