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Is there any way to get baby bonus paid in a lump sum?


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168 replies to this topic

#1 JKC81

Posted 31 January 2013 - 07:21 AM

Just wondering if anyone knows if you can apply to centrelink to get the baby bonus paid in a lump sum instead of the fortnighly installments? We need a people mover but cant get it until we have the baby bonus to put towards it as we cant get a loan as neither my partner and I are working and we have no one to borrow money off, but we also cant really wait until the baby bonus comes through

#2 FiveAus

Posted 31 January 2013 - 07:24 AM

No, the only way the baby bonus is paid in a lump sum is if the baby is stillborn.

#3 Leslie Knope

Posted 31 January 2013 - 07:29 AM

QUOTE (FiveAus @ 31/01/2013, 08:24 AM) <{POST_SNAPBACK}>
No, the only way the baby bonus is paid in a lump sum is if the baby is stillborn.


This.

#4 lep_78

Posted 31 January 2013 - 07:31 AM

as the pp stated above, is there any reason your partner cant get a job? that would make it easier to get a loan.

#5 niggles

Posted 31 January 2013 - 07:37 AM

Do you have a car you can sell to put towards the people mover?

#6 Bluenomi

Posted 31 January 2013 - 07:53 AM

Nope, it is only in instalments. They did it for just this reason, to stop people spending it on big purchases instead of baby essentials which it is designed for.

#7 Domestic Goddess

Posted 31 January 2013 - 07:56 AM

QUOTE (Bluenomi @ 31/01/2013, 08:53 AM) <{POST_SNAPBACK}>
Nope, it is only in instalments. They did it for just this reason, to stop people spending it on big purchases instead of baby essentials which it is designed for.



^^^ THIS

#8 Lausii

Posted 31 January 2013 - 08:02 AM

QUOTE
Nope, it is only in instalments. They did it for just this reason, to stop people spending it on big purchases instead of baby essentials which it is designed for.


I thought it was more to stop irresponsible parents blowing it on pokies, alcohol or drugs?

I can understand why the OP would prefer it in a lump sum as getting a car that safely fits all the family is important.

Op- you might just have to put it all in a savings account, by the time its finished being paid you would have a little extra, plus it would probably be close to tax time so you would have a decent amount for a car.

Best of luck.

Edited by Lausii, 31 January 2013 - 08:03 AM.


#9 erindiv

Posted 31 January 2013 - 08:07 AM

QUOTE (lep_78 @ 31/01/2013, 08:31 AM) <{POST_SNAPBACK}>
is there any reason your partner cant get a job?



Second this.


#10 JKC81

Posted 31 January 2013 - 08:10 AM

ok thanks for the replies. My partners uni course is a bit to full on at the moment for him to work plus I thought you had to be in steady employment for at least 3 months to get a loan, I do work but I am only getting 2hrs one day a week which I hope will increase soon. I will probably only get $1000 for my car to put towards it and we have bout $5000 cash to put towards it but we where hoping to spend $10, 000 on a car guess we will have to just lower our budget.

bluenomi I thought a car is essential to get the baby to Dr appointments etc or am I just meant to leave it at home when we go out cause it won't fit into the car with the rest of us?

Our financial situation changed dramatically just after I fell pregnant and we never expected money to be this tight

#11 erindiv

Posted 31 January 2013 - 08:16 AM

How old are your other 3? Could you consider a wagon with an extra seat in the back? My Forester has all the attachments for an extra seat and that was only $7,000.

#12 countrymel

Posted 31 January 2013 - 08:19 AM

OP is your husband on Austudy?

I believe you can extend your HELP debt (very low interest compared to a personal loan) if extra money is required to help fund your continuing education?

#13 Bluenomi

Posted 31 January 2013 - 08:25 AM

QUOTE (JKC81 @ 31/01/2013, 09:10 AM) <{POST_SNAPBACK}>
bluenomi I thought a car is essential to get the baby to Dr appointments etc or am I just meant to leave it at home when we go out cause it won't fit into the car with the rest of us?


I think a car is essential as well but I don't make up the rules for the baby bonus. I was just telling you the reasons for it, not having a go at you.

#14 erindiv

Posted 31 January 2013 - 08:29 AM

FWIW my BB payments didn't go to baby stuff. I bought that all before each baby was born, and the BB payments ended up going on bills. I could never spend $5,000 on stuff for a baby. I spend $2,000 on DD's stuff and went way overboard.

Technically it can get spent on whatever you want. They give it to you as cash, not as vouchers. There are no 'rules' about what you must spend it on.

#15 MrsLexiK

Posted 31 January 2013 - 08:30 AM

QUOTE (JKC81 @ 31/01/2013, 08:10 AM) <{POST_SNAPBACK}>
ok thanks for the replies. My partners uni course is a bit to full on at the moment for him to work plus I thought you had to be in steady employment for at least 3 months to get a loan, I do work but I am only getting 2hrs one day a week which I hope will increase soon. I will probably only get $1000 for my car to put towards it and we have bout $5000 cash to put towards it but we where hoping to spend $10, 000 on a car guess we will have to just lower our budget.

bluenomi I thought a car is essential to get the baby to Dr appointments etc or am I just meant to leave it at home when we go out cause it won't fit into the car with the rest of us?

Our financial situation changed dramatically just after I fell pregnant and we never expected money to be this tight


I apologise if this comes accorss as judgy it isn't meant to be.  I am sorry you are in this position, but with your DP at uni and you giving birth in about 8 days (as per your ticker) what are you going to do for money inbetween that, it might be at least 8 weeks or so before you can get any extra hours.  I know it is really not ideal for your DP but him deferring for 6 or even a 12 months and getting a job and then picking uni back up in 6 or 12 months might be an option.  What about part time study for him surely he could work and study then.  As I said it is not ideal at all as it pushes his qual back a bit but you need to do what is best for you right now.  



#16 hayzee fantayzee

Posted 31 January 2013 - 08:30 AM

QUOTE (countrymel @ 31/01/2013, 09:19 AM) <{POST_SNAPBACK}>
OP is your husband on Austudy?

I believe you can extend your HELP debt (very low interest compared to a personal loan) if extra money is required to help fund your continuing education?


Yes, I've heard something along the lines of this. He may qualify.

No financial advice for you but would it be possible you to schedule your appointments on days when your DH is at home, child/ren in daycare/ school, able to grab a babysitter so you don't have to take all of them with you.
In a month or two you can look again at getting a people mover when you have more money.

Good luck.


#17 Bel Rowley

Posted 31 January 2013 - 08:43 AM

QUOTE (starboard @ 31/01/2013, 09:30 AM) <{POST_SNAPBACK}>
No financial advice for you but would it be possible you to schedule your appointments on days when your DH is at home, child/ren in daycare/ school, able to grab a babysitter so you don't have to take all of them with you.
In a month or two you can look again at getting a people mover when you have more money.

That was going to be my advice too. Presumably if your partner is studying he's not gone all day every day, and you will be able to take turns being home with some children while the other is out with the baby. I would also defer study if my family's financial situation was that tight, or I would switch to part time study and work part time. Plenty of families do this. I can't fathom how a family of 6 can survive with essentially no income.

#18 chickenpants

Posted 31 January 2013 - 08:58 AM

You'll also have to factor in that the baby bonus payments won't begin until a good few weeks AFTER the baby is born - provided you've already registered online - because it takes about a month for them to process your paperwork. If anything has changed between your initial registration and filling in & handing in your form it will extend that out a little more.

So in the beginning anyway surely your husband (being the non-worker) would be able to watch the other children for an hour or so while you take bub to the various appointments they have when small.

#19 Tobias'smum

Posted 31 January 2013 - 09:10 AM

check what other payments may be avaliable just after i went on maternity leavea my DH lost his job and so they set up for parenting payments .

#20 jessie123

Posted 31 January 2013 - 09:18 AM

QUOTE (Bluenomi @ 31/01/2013, 07:53 AM) <{POST_SNAPBACK}>
Nope, it is only in instalments. They did it for just this reason, to stop people spending it on big purchases instead of baby essentials which it is designed for.


Really ? I have never heard of this. Do you have a link etc ?

OP you might want to look into the HELP loan also some financial instutitions such as NAB can provide student loans.

#21 MrsShine

Posted 31 January 2013 - 09:27 AM

Jessie123 - no link but if you Google there were a lot of people buying big screen TV's and other completely baby unrelated items with the bonus yet still on welfare and abusing the system hence why they changed it to instalments.

Not saying this is what PP is doing

#22 erindiv

Posted 31 January 2013 - 09:34 AM

QUOTE (MrsShine @ 31/01/2013, 10:27 AM) <{POST_SNAPBACK}>
Jessie123 - no link but if you Google there were a lot of people buying big screen TV's and other completely baby unrelated items with the bonus yet still on welfare and abusing the system hence why they changed it to instalments.

Not saying this is what PP is doing



Google what, exactly? How can you say there were lots of people doing this, yet you still can't provide a link?

I think the whole 'plasma tv' thing was a bit of a myth TBH.

Also: "baby unrelated items with the bonus yet still on welfare and abusing the system"... spending the BB on non-baby items is not 'abusing the system'. As I said previously, it's given in cash and they don't tell you what you must spend it on. How are you supposed to wait until 4-6 weeks after your baby's birth before you buy all their things?

edit to add: I don't see how paying it in instalments stops people from wasting it anyway. $380 a fortnight could still get spent on drugs/alcohol/gambling. Personally I think the whole thing should be done away with completely, but that's another thread...

Edited by erindiv, 31 January 2013 - 09:37 AM.


#23 soontobegran

Posted 31 January 2013 - 09:38 AM

QUOTE (jessie123 @ 31/01/2013, 10:18 AM) <{POST_SNAPBACK}>
Really ? I have never heard of this. Do you have a link etc ?



The Baby Bonus was initially changed to instalments for teenage mothers many years ago because it was found that the money was not being used appropriately by some..not all but too many.

Anecdotally I can confirm that there were some home visits I did as a domicillary midwife which revealed huge TV's, mobile phones and gaming equipment but a parent requesting food packages for themselves and tins of formula for the baby.
I am not saying this was widespread however it was obviously enough of an issue that it forced this change to instalments for everyone eventually.

#24 jessie123

Posted 31 January 2013 - 09:38 AM

QUOTE (MrsShine @ 31/01/2013, 09:27 AM) <{POST_SNAPBACK}>
Jessie123 - no link but if you Google there were a lot of people buying big screen TV's and other completely baby unrelated items with the bonus yet still on welfare and abusing the system hence why they changed it to instalments.

Not saying this is what PP is doing


If this is the reason they changed it there must be some official statement? Unless of course your just sayin stuff wink.gif

#25 Eirinn

Posted 31 January 2013 - 09:38 AM

OP, you've had your answer, I would advise not coming back to this thread. FWIW,if you are in a tough financial situation I wouldn't consider a people mover an essential. If your husband is studying, it should be easy to schedule appointments for when he is home.




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