I have to have a plan. Im a casual worker doing fulltime hours so having another child eventually I will need to take time off. My DS is in childcare 5days a week so by next year he'll be in school however my previous miscarriage to this we were surprised by twins i wouldve got the 18weeks paid parental thing centrelink had offered however I found that buying coles/myer/target essentially universal gift cards would've worked a treat. I started buying before we fell pregnant and due to the cards not expiring for 2 years i knew it would be safe. At 50-100$ a fortnight it quicky adds up and I could use the parental leave for childcare and my car loan and bills. Its something I'm doing in prep for our future bundle still. Being able to use the cards to do groceries and at places such as target will work out perfect for us.
Hope that helps?