I think $750 is doable as well. I live off much less and have 2 kids. Rent eats up half of my income so there isn't much left for everything else.
I think you will just need to look into any way you can cut back and reduce your expenditure.
Are you able to look for temp work to bring in a little bit of money?
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02-05-2013 15:11 #11
02-05-2013 15:21 #12
Rent - no more then $250 a week, you don't need more then a one bedroom unit at this stage even with a newborn.
Food - $120 should cover the both of you if you meal plan and not buy take out
Transport - $50 ish
You don't need a healthcare card to go public.
You still have plenty left over to cover bills
When bubs is born you will get baby bonus and FTB payments.
02-05-2013 16:15 #13
Hi Autumncurl, contact your credit card providers, and see if you can defer payment off the main amount, just paying the interest, or tell them you will refinance if they don't offer you a payment plan. Many companies offer a refinance deal with 0-2% interest for the first 12months, which would at least get you through the cred card hurdle until you will start getting bub bonus and FTB from c'link. We have been put on a payment plan by our CCard provider, where we pay a tiny amount, just anything (and we often miss that and they don't care), and we cut up the card and don't use credit at all. They also waived all the fees; all done over the phone.
If your debt is over 8 grand, you can go to one of those gov accredited companies that takes on all your debt, negotiates with the creditors to stop all interest, rolls it into one payment they take out of your incomings and distribute to the creditors for you, and leave you with the rest for every-day expenses. The service costs very little and they budget with you and provide financial planning. If you don't want to do this, get on to your divorce lawyer to negotiate a new payment plan to your ex, based on the change in your circumstances, and budget based on the absolute minimum your partner receives.
It is, indeed, very difficult to think about working and look for a job with morn sickness, and many employers aren't keen on employing pg women, unless it's a casual/temp job, as they know it will be a limited term of employment. And as for trying to 'sell yourself' when you feel hideous with morn sickness....well, just forget it. Possibly easier taking a lifestyle reduction, doing serious budgeting, getting all the stuff for your new baby from freecycle.org and ziilch.com, (for FREE), and gumtree on the cheap.
Try applying for the baby bonus in the month BEFORE you have your baby (I'm not sure you are meant to, but I know someone who did, and when we had our bubs around the same time, hers came through well before mine), simply providing the midwife's declaration to c'link when the baby is born, as the bub bonus takes WEEKS/a month to process, and this will seriously expedite the process. At the least, get the form filled in and ready to go, so you can lodge it the moment bub is born.
When you are in this position, it suddenly gives you insight as to how it must be for jobseekers who exist on a couple of hundred bucks a week.
Good luck, Autumn. I hope you manage to manage. xx
02-05-2013 16:18 #14
Every time I press the 'post quick reply' button, I think, "but my replies are not that quick...!"
02-05-2013 16:57 #15Senior Member
- Join Date
- Apr 2012
Op said he earns $1560 gross a week so they don't have $750 a week to spend after tax and without knowing what their existing financial position is with debt or other expenses then I don't think anyone should question why they can not live on the partners wage.
Like others have said you will be entitled to family tax a & b and also the baby bonus and rent assistance which should help you out.
The Following User Says Thank You to LollyDolly For This Useful Post:
03-05-2013 09:51 #16
My car payment alone is $845 a month ( includes everything, rego, tyres, petrol insurance etc) and im going to need a safe car for the baby.
I do have some savings from my divorce, and will be get around a 10 grand pay out, which i will be using to buy a new fridge as the one i have is almost broken and very very old. and i will be using that money to pay some rent in advance and also get the required baby equipment.
I understand that you can live off that amount of money, but i can not immediately just change circumstances, i am still applying for work and applied for over 75 jobs last month, but being in SA work here is very limited.
I have a 12month lease and i need to keep a house this size, otherwise i wont have room for all my home business equipment. I cant just break contracts as that will increase the debt.
I know it will all come out in the wash, and that my situation is complex one, i was just very shocked that wont offer me anything, not even a low income health card - i do take medication for a operation i had last year and its like $50 a fortnight.
03-05-2013 10:25 #17
Money is a PITA! It's the biggest stresser!
Firstly- keep looking for that job. I dare say, things will become a lot harder as time goes on, and it'll be a lot harder to work so the more money you can get coming in now- the better.
Also, whether your doing it tough or not- get that debt down. Skimp as much as you possibly can between now and when the baby comes. Every little bit you pay off that debt, the easier it'll make things. It's suprising how much a baby can cost.
Do you have 2 cars? Can you survive on one? Do you have anything throughout the house you can sell? Perhaps look at selling off some useless junk while your job hunting, that way- you might be insured of some form of money coming in.
Hang in there, just keep working at it and it'll work out in the end. Keep beating at that brick wall.
03-05-2013 10:27 #18
Hubby and I were drowning in debt recently.. It took a toll on us as a married couple and our life.
We had to refinance Everything! Every single thin we owed money on we dumped into one large loan totalling a whopping 30,000.00. But by doing this we now only pay 1 repayment which is less then 1 of the repayments on debts we had.. I can hardly believe it.
We have enough to make a few luxury purchases now ( dinner out, something for the kids etc) which has really turned our life around.
I really would recommend refinancing both you and your partners stuff Into one large loan it really does help.
~Isla Rohmaine arriving sept 2013 and a baby makes 3!
Last edited by Twoalready; 03-05-2013 at 10:29.
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