My dp gets about 1400$ a fn and we live off that I won't get much from centrelink until the baby is born - even then it wont be enough to pay my car payments etc so i will just get deeper into debt. I can't work as I am on bed rest and a medical certificate doesn't change the payments. We get around 30grand a year. If I could get anywhere near 60 I'd be happy.
OP I know it seems silly reporting your DP's income for the small amount of parenting payment, but I think it's probably worth the hassle.
I looked it up and those receiving parenting payment may also qualify for a number of other payments/supplements, such as the clean energy supplement, education entry payment, JET etc.
It also looks like Health care cards are automatically issued to those on parenting payment, which may be easier than having to apply for a low income health care card separately.
ETA: You're probably already aware of this, but if not:
If you're in NSW, make sure you've registered for the family energy rebate. It's $125 credit on your power bill, available to those in NSW receiving the FTB. You can apply here: http://www.energy.nsw.gov.au/custome...-energy-rebate
And if you have a health care card, you're entitled to the Low Income Household rebate ($235) as well http://www.energy.nsw.gov.au/customers/rebates
Last edited by 1234Guest; 31-08-2013 at 07:21.
Last edited by Just*Ace; 31-08-2013 at 07:30.
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When you're struggling week to week I think you need to make some sacrifices. Rollies may be cheap but you need to prioritise.
I wouldn't be ttc either.
Isn't 18/hr for someone doing shift work like that extremely low maybe he needs to look for a better job. Also get applying for the careers allowance, get all his specialists to write additional reports and get it all moving when I applyed I got back payed 6months worth of payments.
If the only things stopping you from getting a job is no license and DP/DH working then I suggest starting the process to get your license.
i get that you just wanted to vent, but take on the feedback that has been given, see a financial councillor as the cost of living is only going to increase.
This is our current fn breakdown:
School: $20 (tuckshop/rest in acc future events/books/uniforms)
Entertainment: $100 (DH & I take $20 each for coffee, remainder is for whatever).
Everything else is divided into savings, and things like clothes, shoes and other as needed items we buy from savings. I hate how restricted we are at the moment as we used to spend triple that on entertainment and could have more fun, but without having some money to save I would freak out. I can't wait to be able to throw myself back into work...the only way to ever get ahead is reduce your living costs to be less than your income.
Instead of paying your bills as they come, can you break them down to a weekly or fortnightly amount? Even the annual ones?
Is there anywhere else you can cut back? It's a bit crazy that you spend $72 on cigarettes and only $120 each fortnight on food.
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