I agree with most PPs - reassess your budget and see where you can tighten or be creative with ways to earn extra money. We pay our cleaner $80 for 2-3hrs of work each fortnight, if you could get even 1 or 2 cleaning jobs like that you could easily work around your DPs shifts. Also look into work from home option like data entry or even home-based call centre work. It might take time to find something that works around your DPs changing shifts but it's worth keeping an eye out.
I'd also seriously consider DPs work options. It sounds like he's not earning much and might be paid the same amount doing a basic 9-5 job or retail work. That would then give you a lot more work options.
And I really encourage you to give up smoking. If you're struggling that badly I just can't understand spending money on cigarettes. At least cut right back. Think about how much quicker the debt would go down if your cigarette money went on that instead.
I get nothing from the government except CCR so I can't comment on CL benefits, I have no idea how they work and doubt we'd be entitled to anything.
Good luck, I hope you find another source of income so you can feel like you're getting somewhere.
Results 111 to 120 of 139
31-08-2013 08:04 #111
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31-08-2013 08:15 #112Senior Member
- Join Date
- Dec 2009
Moneys a *****. Im sure we have all wanted to have a vent about it at some point in our lives, whether it was about centrelink, our pay, or just lack of. There hhave been some great suggestions on how to cut back, and I guess while you aren't working and paying back debt you just need to accept the fact that you wont get ahead. Just think it will be only for a few years and then you can get back on track. Don't beat yourself up about lack of funds. I guess the one thing I would say if you are trying to have another baby, stop smoking. Not only for your health but for your future childs, plus it will save money and perhaps put that money aside to save for the baby.
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31-08-2013 08:20 #113
What you are getting is right. When receiving PP you need to budget fortnightly to include your ftb which is much higher so that you aren't left too short on PP week. We have similar income as you and pay the same rent and are able to live comfortably, but we also choose to live within our means and foxtel isn't that.
Sorry OP, but centrelink isn't there to have you live how you choose and if you can't make do with the money you're receiving you need to look at other sources for income.
31-08-2013 08:23 #114
There are some really good suggestions on here, lots of mums on this forum seem to be excellent budgeter's who make small incomes go a long way.
Rather than blaming the government for your financial situation maybe you could use some of the suggestions to cut back on things like smoking and foxtel and be proactive and try and find some work like a cleaning job you could do. What about looking into doing family day care?
Doesn't sound like the best time to be trying for another baby if you can't make ends meet at the moment.
31-08-2013 09:04 #115
31-08-2013 09:11 #116Senior Member
- Join Date
- Feb 2013
I think the general consensus of this topic is to get your priorities right. Budgeting is key.. $18 an hour doesn't seem right to me at all, my father does shift work and he is on over double that an hour. A lot of what you have spoken about you have the ability to change.
No license? Start trying to get one.
Partner has mixed hours? Start up a Facebook business for cleaning or something & share it with all your local swap & sell pages.. Let them know each week what your available hours are..
Get rid of foxtel, not a necessity. You might be more inclined to work during the day if you have nothing to sit down and watch.
Stop smoking - which you should have already done if you are ttc.
Just out of curiosity (not trying to be rude)... But if you can't make ends meet now, why are you trying for another baby?
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31-08-2013 09:12 #117
31-08-2013 09:21 #118
31-08-2013 09:22 #119
Just from quitting smoking and getting rid of foxtel that's an extra $184 a month ( or there abouts). You could save some and utilise the rest to put on bills/groceries.
Honestly we would get the same amount of money as you a fortnight and do okay. Prioritising is key.
Baby girl due in January 2014
31-08-2013 09:27 #120
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