OK so in the sense of trying to find some way forward I have decided to tackle my finances (since avoiding them is obviously not working). So am after advice/help with budgeting & where people would allocate, things I've missed etc (sorry it's long, trying to deal with rambling, racing thoughts right now). I am also attempting to do this assuming a situation where I am at home caring for DS
Income - DSP/FTB/rent assistance
fortnightly - $1,112 (will increase by $95 in Feb assuming I can survive without another advance payment)
Also get another couple of hundred in supplement payments each quarter
Fixed expense - rent $600/fortnight - leaving $512 for everything else (obviously where my main problem is)
Expenses - (note I have only
included amounts for fixed expenses - everything else I'm trying to work out what I can afford to pay towards & have added notes - these are things I need to contribute regular amounts to)
petrol (when car on road)
car rego - $185 (need to pay to avoid having to get roadworthy on car to re-register - the work needed to do this plus the amount to get it on the road would far exceed the value of a 16yo pulsar)
DS laptop for high school (payable 14/12 at latest) - $986
DS school fees - unsure - scholarship will pay $250 of
DS books for 2017 - $650
DS uniform - around $150
DS graduation from primary school $75 for him & I to attend, need formal clothes/shoes for DS (any ideas?) & semi formal for me (any ideas for something cheap/easily available & can go with boots as I have a pair of those - only other shoes I own are thongs)
DS cricket - $140 overdue (not essential but important for DS with all he is going through to have his main love in his life, particularly when he plays at elite level)
Christmas/DS birthday - he knows he isn't getting much but would like to take him to a couple of Big Bash games & get him a new baseball gloves since his is falling apart.
Garden - need to get professional tidy up done (cheapest quote $125) as over waist length on DS & he claims to have seen what he says is a tiger snake (very possible in our area)
Car repairs - $1,000 - again not essential but everyone agrees important for my mental health to try & help me get back into society again. While it would be useful to have done now (DS can't get to school currently any other way due to location & no bus service), we have lived without & the assistance principal & his wife live around the corner and & more than willing to pick him up/drop him off). Our area is not one that is easy to live in without a car though - poor public transport, very hilly terrain, very narrow streets with no footpaths or off-road places that are safe to walk etc, no shops within a few kms of said terrain etc)
Hopefully I will get the funds for one of DS's scholarships in time for that to cover $500 of the costs of his books. I have also based his uniform costs on being entitled to free shorts, jumper and school shoes, therefore needing to buy bag/sports uniform/polo shirt.
Electricity - I currently owe $1,050 or so - am waiting on a form for URGS which if accepted by DHS will reduce by $500
Gas - around $1,200 (thanks parents for over using the heater) - don't qualify for URGS for gas as had recently
Water - around $700 or so - need to contact as unsure with amount whether they have applied my concession & to check whether URGS is an option (if it is may reduce by $500)
Medications -around $40/fortnight this is having reduced the amount due to reaching the safety net. Some of my medications have been taken off the safety net & I have to pay $6.50/week to have my medications dispensed weekly (required by my drs for my safety) so these don't count on safety net. Come January this cost will come close to doubling based on current medications.
House - moving house isn't a realistic option for a number of reasons: have lease until next August (can't afford breaking lease fees even if leased again immediately), one of cheapest in area, having dog & being single mum on DSP with zero savings & having paid rent late twice on this property (now pay by Centrepay so won't happen again) makes being approved for houses extremely difficult, the area I am in is in it's holiday period so rentals that are vacant are rented out as holiday homes & far too expensive, moving out of area would be a bad idea with the services I am tied to, especially HACC where my house is cleaned for $1/fortnight, & most importantly the mental health service - something that can be next to impossible to access without being a previous or known client.
Food - I usually try to limit to $125/fortnight but find it really hard to provide a balance diet on that.
Clothes - both DS & I are in desparate need of clothes & shoes for summer - DS has outgrown his & the only shoes he owns are his runners/baseball cleats & my clothes are now too big after significant weight loss plus literally thread bare & falling apart & the only shoes I own are very worn out thongs & a pair of boots. I haven't budgeted for this from anywhere as I just can't see where it can come from. We both also desperately need haircuts with neither of us having had one in at least 2 years.