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Very confused on how much I'll need
Single , preparing for 1st baby


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#1 Tilli+Macey

Posted 06 May 2012 - 02:25 PM

Hi, I have posted in here once before but since then a few things have changed.
I am due on 13/08 with DD1 and am currently still working. I am single with no help financially from the father ( until after she's born and CS is set up).
I am working 18hrs north of Perth and have been working 7 days a week avg 7hrs a day for the last 3 months just to try and save as much as I can before she's here. Now I think I've worked myself too hard and I'm getting tired , stressed , cry easily and clumsy (tripping over and bumping into things) I have dropped my hours a little but still doing about 40 hrs over the 7 days. I feel I am more than ready to finish work. However I know if I do that too soon I'll be back in Perth and probably spend everything I have saved and then be in financial troubles.
Currently I have $5000 in my savings. I've just paid A $5000 lump sum off my car loan but still have $7000 to go. So f/n repayments on that are $214. So until baby is here I will have about $1500 in car repayments. Then it also needs new tyres and a service (another $800) and I have to put insurance back on it all before I drive it again. I am moving back up north 6 weeks after I have her and rent and bills are minimum and I'll be working 10-15 hrs a week pretty much straight away so after I have her i'm not too worried about money. It's just what I'm going to need up until I have her that I'm worried about. I will need to buy baby stuff also, I have a carseat and lots of hand Me downs but that's all. Oh, and tax I am expecting about $4000 back ( based on last year and it's same job and claims etc.) So how much longer should I slog it out just so I am comfortable in Perth and not stressing about money. (I'd rather stress about work than money If it came down to it) oh and I save $500 a week at the moment. So I'm thinking of giving 3 weeks notice pretty much now.  Any advice would be great thanks.

#2 Fright bat

Posted 06 May 2012 - 03:28 PM

Working with a young baby is harder work than you think. I went back to work at 5.5 weeks with my first, having worked 60 hour weeks including evenings and weekends until 38.5 weeks pregnant. Working with a baby was WAY harder than working while pregnant.

If I were you, I'd consider continuing to work now and then taking 3-4 months off after, rather than six weeks. If you can afford to stop working in three weeks, and you're only going back to 10-15 hours/week, you only need to work an extra three weeks to make up the money to give yourself an additional 6-8 weeks off?

#3 Guest_Starletta_*

Posted 06 May 2012 - 03:31 PM

Op are you not eligible for the paid parental leave scheme?

#4 Tilli+Macey

Posted 06 May 2012 - 03:38 PM

I'm planning to just do a bit of cleaning when I move back up here , to jeep myself out of the house , just a couple hours a day, and it's rooms so I can put baby in there with me while I do it, it's also to help out my boss whom I get along with very well. Obviously if it proves too difficult I wouldn't do it.

Starletta: no , my work is casual. Barwork/cleaning hotel rooms ( we only have 6 so not too hard.)

#5 Fossy

Posted 06 May 2012 - 03:41 PM

You can still get ppl if you work casual op

#6 TotesFeral

Posted 06 May 2012 - 03:44 PM

Casual workers still get the paid parental leave scheme brought in by the government.


#7 SplashingRainbows

Posted 06 May 2012 - 03:44 PM

QUOTE (Tilli87 @ 06/05/2012, 03:38 PM) <{POST_SNAPBACK}>
I'm planning to just do a bit of cleaning when I move back up here , to jeep myself out of the house , just a couple hours a day, and it's rooms so I can put baby in there with me while I do it, it's also to help out my boss whom I get along with very well. Obviously if it proves too difficult I wouldn't do it.

Starletta: no , my work is casual. Barwork/cleaning hotel rooms ( we only have 6 so not too hard.)


How long have you been working for though OP? The paid parental leave is a government payment and it doesn't matter whether you work full time, part time or casual so long as you've worked a minimum number of hours for 10 of the last 13 months with no more than a certain time between jobs. It would be worth looking into.

If you're certain you're not eligible you may be eligible for the baby bonus.

You should know that you can apply for payments even if you don't think you're eligible. If you are eligible - win. If not, you haven't lost anything.

#8 SplashingRainbows

Posted 06 May 2012 - 03:49 PM

If it were me I would be reducing my hours not quitting just yet.

Is there anyway you can work only 5 days not 7? Just to give you a real break for two days per week?
Or to cut your hours back to 30 hours not 40?


#9 rosiebird

Posted 06 May 2012 - 04:01 PM

It's going to be damn hard going back to work 3 weeks after giving birth. I agree with MsN - however tired, sore and emotional you are at 26 weeks, you will be more tired, sore and emotional 3 weeks postpartum. I worked until 39 weeks and went back at 9 weeks - it was too early for me. Bar work and cleaning would be much more tiring than my job but I still think you should try to keep going now so you can have more recovery time afterwards.

#10 ~Nic~

Posted 06 May 2012 - 04:04 PM

QUOTE (brighton14 @ 06/05/2012, 03:49 PM) <{POST_SNAPBACK}>
If it were me I would be reducing my hours not quitting just yet.

Is there anyway you can work only 5 days not 7? Just to give you a real break for two days per week?
Or to cut your hours back to 30 hours not 40?



Agreed... If it were me, I woud cut my days down so I was working 5 days a week to get a break, so that I was still getting enough money to live on now without dipping into the savings at all, and working up till around late next month. That way, you wouldn't be touching your savings and should be able to save a little bit more now, then you can take a little bit more time off when bub get's here.

Also, even if you don't think you are eligible for parental leave, get in touch with Centrelink and see what you would be entitled to in terms of baby bonus. I don't know exactly how much it is, but it's at least a few thousand.

Good luck!

#11 Tilli+Macey

Posted 06 May 2012 - 04:22 PM

Ok, now I'm even more confused , what is the PPL and who pays it? I have been in my job for 18 months now but all up have probably had 5 months off ( 1 break was on O/S holiday for 10 weeks and the rest just 2 weeks here and there) but never quit. If it's paid by the employer I know he won't be happy about that at all. Or is it paid by the government? I will get the baby bonus and I understand that's paid fortnightly.
I wouldn't be going back 3 weeks after, 6-8 weeks after was what I was thinking and only to clean the units. So if we get a quiet run I could only have 6 hours a week, so I know I won't be over doing it. The maximum would be 25 hrs a week but that would be very rare.

#12 Fright bat

Posted 06 May 2012 - 04:29 PM

Paid parental leave is paid by the employer but fully reimbursed to them by the government; of for some reason your employer doesn't want to pay it the government will. If you have worked a total of 500 hours, and 10 out of the last 13 months, then you are eligible for it. For MOST people, it is more than the Baby Bonus - it is 18 weeks of pay at minimum wage (just under $600/week). If you go back to work earlier than 18 weeks, you don't get it.

If you HAVE to go back to work at 6-8 weeks, then you're better off with the baby bonus. If you can manage the 18 weeks off, then you're almost certainly better off with the paid parental allowance. Go talk to Centrelink, OP.

#13 Tilli+Macey

Posted 06 May 2012 - 04:30 PM

Ahh just re read a pp and saw government payment.
And I think that may be better, I might see if I can reduce hours in the next couple weeks. It's hard because at the moment I am living on work premises but we only have a certain number of staff rooms so if I cut my hours he will have to hire someone else , but at the moment there are no more staff rooms so I would have to ask a friend if I can stay with them until I go back to Perth. Also it can be hard to get staff, usually takin a week or 2 to get someone up here. (outback pilbara , not everyone's cup of tea) still may be worth doing, even if I just do enough work to pay my direct debits and bills and keep me out of Perth and away from shops. I have to go back by the 21st June as I have an appt at the hospital I'll be delivering and they don't want to leave it any longer than that for my first appt with them. Thanks everyone

#14 noi'mnot

Posted 06 May 2012 - 04:31 PM

The paid parental leave is paid by the government. I'm not entirely sure of all of the details. Why don't you call Centrelink on Monday and give them your situation - they'll be able to give you an idea of what you'll be entitled to.

Good luck!

#15 Fright bat

Posted 06 May 2012 - 04:32 PM

QUOTE (Tilli87 @ 06/05/2012, 04:22 PM) <{POST_SNAPBACK}>
. If it's paid by the employer I know he won't be happy about that at all.



Btw - tough titties to the employer! If you're an employer then you have to abide by national regulations. Which includes women's rights to maternity leave and maternity leave pay.

#16 eachschoolholidays

Posted 06 May 2012 - 04:38 PM

It's distributed by the employer but the government gives them the money to give out.

#17 hiccamups

Posted 06 May 2012 - 04:50 PM

QUOTE
Working with a young baby is harder work than you think. I went back to work at 5.5 weeks with my first, having worked 60 hour weeks including evenings and weekends until 38.5 weeks pregnant. Working with a baby was WAY harder than working while pregnant.

If I were you, I'd consider continuing to work now and then taking 3-4 months off after, rather than six weeks. If you can afford to stop working in three weeks, and you're only going back to 10-15 hours/week, you only need to work an extra three weeks to make up the money to give yourself an additional 6-8 weeks off?


I agree with this OP.  If I were you I'd cut down my hours and slog it out for as long as you can before baby is here.

After baby comes, take as much time as you can afford.  You'll get $5,000 baby bonus also.



#18 hiccamups

Posted 06 May 2012 - 04:54 PM

QUOTE
, just a couple hours a day, and it's rooms so I can put baby in there with me while I do it, it's also to help out my boss whom I get along with very well. Obviously if it proves too difficult I wouldn't do it.


This doesn't sound too difficult OP.  Sounds like a great arrangement, especially if you can dictate the hours, working around your schedule with the baby.

#19 shelly1

Posted 07 May 2012 - 08:25 PM

You are legally entitled to the PPL or baby bonus - take it, use it and have some time off. You can choose if you want baby bonus or Paid parental leave - look into it. Every cent helps. Without trying to scare you but if you have a traumatic delivery or c-section there is no way you could return to work 3 weeks after having a baby

http://www.familyassist.gov.au/payments/fa...l-leave-scheme/

http://www.familyassist.gov.au/payments/fa...nts/baby-bonus/

#20 Babby and Roo

Posted 07 May 2012 - 08:40 PM

You can use this online estimator on the centrelink website to determine whether you would be better off with the baby bonus or paid parental leave. Both are funded by the government through centrelink/ family assistance office.

http://www.centrelink.gov.au/internet/inte...s_estimator.htm

You will also be eligible for family tax benefit payments and may be eligible for other payments like parenting payment and rent assistance. I was surprised by how many payments we were eligible for once we had our first child. We were on a very low income at the time and they really helped. I was able to have a good amount of time off with the baby before returning to work.




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