Jagamoe, have you looked into what % your partner is being taxed at? Could it be he is on a too high of a percentage?
What kind of debt is your DP paying off?
If its a credit card he can speak to his bank about getting it turned into a personal loan (repayments are much cheaper)
A few years ago my husband was made redundant, he was out of a job for 4 months and to get by we used his credit cards, I was 5 weeks away from having our first and on bed rest so I couldn't work and we weren't getting any FTB from Centerlink etc, by the end of it all we had racked up 12k in credit cards.
We just couldn't keep up with payments when dh was back in a job we spoke to the bank and just told them we couldn't afford to pay, they offered us the loan option and it the credit card interest. the loan was paid off quite quickly plus we saved a few hundred a month.
If you have Loan debt, try seeing if other banks will take it over on lower interest rates etc.
Just go in and see Centerlink to double or triple check you are getting everything you can.
Dh got a new job and his pay went up about 20K a year, I updated it with Centerlink and everything dropped to pretty much nothing, I just thought that's what it was suppose to be and left it, we use FTB for savings so I didn't bother seeing if everything was right.
We had a huge back payment at tax time and I didn't understand why, when I looked it was massively overestimated, the girl on the phone who updated our income must have made a mistake.
So just double or triple check as sometimes human errors can happen, Centerlink is always busy so maybe someone has overlooked something.
Also you say it's not worth getting a job because of child care fees, you'd get CCR and CCB so unless you we're earning under $100 a day you'd still be better off.
Stiflers Mom (30-08-2013)
Fortnightly estimate Parenting Payment - Partnered $5.90 Rent Assistance $0.00 Clean Energy Supplement $7.60 Estimated Centrelink payment $13.50 Family Tax Benefit Part A $344.40 Family Tax Benefit Part B $140.14 Clean Energy Supplement Part A $6.72 Clean Energy Supplement Part B $2.66 Rent Assistance $144.06 Estimated Family Assistance payment $637.98 Employment income, Other income and Compensation Direct Deductions $0.00 Gross total estimate $651.48 Estimated taxation liability $0.00 or 0% Net total estimate $651.48 Working Credit 1000 credits Income Bank balance Not applicable Work Bonus balance Not applicable Concession card Health Care card
Hide - Your partner's estimate - as a table
Your partner's estimate
Fortnightly estimate Family Tax Benefit Part A $0 Family Tax Benefit Part B $0 Rent Assistance $0 Estimated Family Assistance payment $0.00 Employment income, Other income and Compensation Direct Deductions $1580.00 Gross total estimate $1580.00 Estimated taxation liability $0.00 or 0% Net total estimate $1580.00
this is the estimate the online calc gave me not taking into account the advance im paying off or the centrepay deductions i have coming out or rate reductions that are now applied
also i looked at dps income estimate its at 565000 n mines at 6 putting us at 62000 which is extremely far off the mark but that's just what its been put at when i asked i was told its best to over estimate rather than under estimate as dps income can vary week to week depnding what shifts hes on
so would u care to show me exactly where all your money goes n what u spend it on im sorry but i shouldn't have to justify my entire budget to someone coming across completely condescending & rude
my entire vent is im sick of struggling all the bloody time sick of dong the right thing & getting nowhere & seriously wtf is the point in paying someone %7 where is that gonna get anyone ?
it frustrates the crap outta me that im made to report each fortnight to receive nothing or next to nothing this is actually the first payment of parenting ive received since dps been back since going off compo & its a ridiculous amount thats not gunna cover anything its like a kick in the teeth to someone doing the best they can to raise their family
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