Dd was unplanned. Shortly after finding out I was pregnant dh had a work injury which meant he couldn't work. Money has been super tight and still is as his work didn't take him back after surgery to correct his injury. I'm currently getting ppl, parenting payments and ftb. If dh doesn't find work before my ppl runs out I'll have to go back. Is ot ideal? No. Is it what's best for our family? If it means keeping a roof over our heads, bills paid and food on the table, yes. Dh is unable to apply for benefits as he has not been in Australia long enough so me returning to work will be the only option.
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30-06-2013 07:49 #31
30-06-2013 08:50 #32
All 4 children probably but meh we are happy they and we have everything we need plus some.
30-06-2013 08:55 #33
I firmly believe that no matter what, there is no 'right' financial time to have a baby. No matter when you do you will have to cut back in some areas of your life regardless of how much money you have coming in, it's just a simple game of numbers.
I will be going back to work once the 18 weeks worth of baby bonus is up because we're a single income family and that extra $300 a fortnight has allowed me to stay home while on half pay, but I'd love to be able to stay home longer. It's been a struggle at times (and work messing up my pay has resulted in me owing them a heap of money... Don't get me started, I'm furious about it!) but we'll manage .
22-07-2013 16:13 #34
Both times really lol. If we waited to be in a great financial state we never would have had a family We worked it all out, and next Bub should be a bit easier because we have most things we need from DD (exception being a new cot, tandem pram, a monitor, and some extra clothes).
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22-07-2013 16:38 #35
When I found out I was pregnant, I lost my job almost instantly, I was living with my parents and Dp was a stay at home dad to his daughter. 8 weeks later we have our own place, Dp has a job and now I stay at home with Dsd, we struggled the first few weeks but now we have enough money for bills, rent, anything baby relayed ( albeit not all at once) and some small luxuries.
We did it all as soon as we could because the stress of finding out I was pregnant and feeling that I couldn't support my baby was making me a wreck. We are also lucky it's tax time as that will help us a great deal. It was an unplanned pregnancy so I was in no way prepared.
So far it is working out.
22-07-2013 16:58 #36Senior Member
- Join Date
- Apr 2012
Hubby took 6 years to be ready for baby no 4 which I yearned for. Then during my pregnancy work fizzled for both of us (self employed). We had had a good few years of high income and were feeling confident to go for no 4. Then at 8 months pregnant we got to an all time low, we had sold off our second car to pay bills, we had absolutely no more work. Also our eldest sons medical/behavioural issues meant he needed to do his schooling via distance education. We had to apply for hardship on credit card payments and on our homeloan payments had to go on hold and we put our house on the market. In the end we did get through it but we had to make big changes, like moving regional to lower our expenses so that we can survive on a low income irregular income. Hubby can get work with his brother part time in a day rate. We have done a strict budget and just get by by. In the end all has worked out and I feel happy to be able to survive financially. We have had to make huge sacrifices on lifestyle and house size but our situation was more circumstantial of our occupations rather than the fact we were having another child.
22-07-2013 17:19 #37Junior Member
- Join Date
- Jul 2013
It's always hard when it comes to raising Children. I have just recently found out we are expecting number 5 :-o. That was a major wake up call. By all means we aren't that bad DF is in a decent enough wage that I have been able to stay at home for the past 10years. It has had it's ups and downs he was on trainee ship wages when I conceived our first she is now 6 ( I have a son from a previous relationship) my kids don't go without much in saying that we don't go out every weekend and so things. They are happy healthy and all our bills are paid. An put in my oldest has ADHD. It's hard but there is always light at the end of the dark tunnel :-)
22-07-2013 18:25 #38
Yerp. I was 14 turning 15 when I fell preg with my DS living out of home couldn't get even centrelink for myself my uncle had to claim ftb for me which was $200 fortnight worked until I was 16 weeks when could no longer do heavy lifting rather crappy situation when I had him I was entitled to parenting payment single & that's how we got by but my DS. Set me on the straight & narrow.& I wouldn't change a thing It's been hard but I've always managed somehow DD came along 4 years later DP was on minimum wage & we struggled. Fast forwards 3 yrs later we still struggle sometimes can't afford luxury items etc but kids are always fed clothed & loved with a roof over our heads & have all necessities just not luxuries. Like to hope that we will get there in the end
22-07-2013 19:13 #39
I agree there is no right time. We've had to put off buying our house and had to move back in with my parents to afford IvF. I'm having 7 months off we could probably afford me to have a year off as still at the parents but I want to get back t buy our own home, I think if it wasn't for our parents help we would find it a lot. More difficult. Though financially this year has been a nightmare but I can't complain things can always be worse. Plus we have our little bub coming soon it's all been worth it
22-07-2013 19:45 #40Feel my wrath!
- Join Date
- May 2008
- Where the wild things are
Yep, with DS my husband worked minimum wage and I'd just started a post grad diploma in education. Went back to work ft then we moved regional while I was off, rented our house out (which was then trashed!) We then moved back into that 2brm house and both worked part time. Then dd was on her way! So we bought another place and dh started working ft for minimum wage. We had some money aside, but mil and her bf rocked up on our doorstep when dd was 2 weeks with no money so most of our savings went on extra expenses, bills etc. I worked casual weekends and from home when she was 6 weeks. Then dh got a fifo job! Hoorah money! So we bought a bigger house.
DH just gave up his permanent position in search of greener pastures and I have just enrolled to do my masters. So naturally I fell pregnant with #3. While we have more $ aside than we did when dd was born, our mortgage is higher, but I know we will be fine. We always are!
Big boy '08
Little girl '11
Fetus-face due Feb '14
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