Jump to content

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


  • Please log in to reply
19 replies to this topic

#1 Around_the_world

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 Around_the_world

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 Around_the_world

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 Around_the_world

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.




2 user(s) are reading this topic

0 members, 2 guests, 0 anonymous users

 

Get your FREE Baby & Toddler Show ticket!

Get your free ticket to the Sydney Essential Baby & Toddler Show for September 25-27 - register online now.

A solo birth, a wasp swarm and a forest fire: mum and baby's amazing story of survival

Desperate, out of petrol and low on food, a new mother lit a fire in the hope of attracting attention.

Boy found on swing died of hypothermia and dehydration, autopsy finds

The story was chilling and heartbreaking: a three-year-old boy was found dead in a Southern Maryland park, his mother pushing him on the swing.

Child's play and laughter help battle fatigue

Feeling fatigued? Uh-huh, thought as much. Join the queue.

Dad shares entertaining 'how to hold a baby' clip

For many new dads, their own child is the first baby they have ever held. So one dad has posted an instructive YouTube video titled "How to Hold a Baby".

The Australian baby with 100,000 Facebook fans

She may be only eight months old, but Egypt has already amassed more than 100,000 fans and received a letter from royalty - Hollywood royalty that is.

Public welcome outside church for Princess Charlotte's christening

Duke and Duchess of Cambridge have invited well-wishers to see Princess Charlotte outside church in Sandringham on day of her baptism.

Tongue tie: what you need to know

Tongue and lip tie can lead to many problems for babies - and their parents. Here are the signs of tongue tie and how it's treated.

My daughter is small but that doesn't matter

My daughter may be small, but it's my job as her parent to refocus back where it belongs - on who she is as a person

Wet wipes linked to rise in allergic reactions

The government has issued a health warning after a rise in allergic skin reactions has been linked to a preservative found in some wet wipes.

Gay couple in their 80s first to wed in Dallas after Supreme Court ruling

Love may have won, but it came with quite the wait.

William Tyrrell's family marks birthday with cake and renewed appeal

The family of missing boy William Tyrrell will mark his fourth birthday on Friday making a cake to share with friends and family as NSW police renewed their public appeal for information on his disappearance.

What all parents should know about safe babywearing

A picture of Ryan Reynolds always gets the girls talking, and a recently shared photo has done exactly that - but this time, it's for all the wrong reasons.

Baby's head shape reveals potentially fatal condition

Thinking her baby just had an unusually shaped head, a mother was shocked to discover it was instead linked to a dangerous condition.

'Help - my toddler hits me!'

My toddler has started hitting when he gets frustrated, is feeling ignored, or just thinks it might be fun.

Why IVF success rates may not be what you think

Transparency, accountability and responsibilityare essential measures to protect IVF vulnerable patients.

On the 10th anniversary of my son's death

This day marks a significant day. Today marks 10 years since I lost my son Kai.

Mother-in-law 'from hell' inspires survival guide

The happily ever after Nicola Milan had imagined wasn't to be – and she blames her mother-in-law.

Name your baby Quinoa, win a $10K gift card

Choosing a name for your little bundle of joy is always a major decision. It can be something traditional, trendy, creative … or inspired by the menu of your favourite chain restaurant.

Owning a pair of nail scissors does not make me a hairdresser

It's been a whole year since sleeping in until 10am. A whole year since having a peaceful shower.

The 83 children who were tragically let down in the last decade

Over a 10-year period, 83 children died from domestic violence abuse in NSW, with three quarters of the victims aged five years or under, the NSW Ombudsman has revealed.

Expert Q&A: Gross motor skill development in toddlers and preschoolers

Dr Katie Heathershaw answers questions about jumping, toe walking, riding a bike and being pigeon toed.

Is it reasonable to expect your partner to give up drinking in pregnancy?

From the moment that I fell pregnant with my son, I realised just how much my life had already started to change.

Stroke victim joins class action against makers of popular contraceptive pill

"I was terrified I would always be this way. The pill needs to come with a much higher warning."

Sexy time

Why you should get excited about scheduling sex

Unfortunately, the belief that sex should always be spontaneous is a myth. It just isn't.

When newborn photoshoots get messy

When it comes to newborn photoshoots, it is all about the timing.

Orphaned baby daughter Ayla wakes from coma

Former All Black Jerry Collins' critically injured orphaned daughter has awoken from her coma and is able to bottle-feed.

Dad takes miraculous catch while feeding baby

One American father has taken multitasking to a new level at a Cubs-Dodgers baseball game at Wrigley Field.

'Samuel is our firstborn, and he will never be forgotten'

Having lost their firstborn at one day old, the Carrolls were overjoyed to welcome their daughter Isobel into the world a year later.

Channel 10's Sarah Harris expecting first child

The Studio host Sarah Harris doesn't mind if her first baby is a boy or girl, but she does hope it is born with one thing in particular.

 
Advertisement
 
Advertisement
 
 
 

What's hot on EB

27 funny ultrasound pictures

Ultrasounds give you a look at your growing baby ... and sometimes what appears to their womb-buddy, or your bub in an amusing position.

The top 6 misleading parenting terms

From 'morning sickness' to 'the terrible twos', there are many parenting terms that are misleading.

When 'good' nannies go bad

While most nannies take pride in their work, there can be some who have a hidden side.

Woman hospitalised for skinny jeans injury

Beware: skinny jeans might be bad for your health.

Gauze seeding: the bacteria-breeding birth trend

A number of women having caesarean deliveries are now taking steps to give their baby a better 'microbiome' start in life.

Jimmy Fallon writes new children's book for dads

Jimmy Fallon, host of NBC's The Tonight Show, recently wrote a children's book about every father's secret wish for their baby's first word to be "dada" - not "mama".

28 names for babies born in winter

Looking for some baby name inspiration for a bub born during the colder months? Here are 28 options from around the world to consider.

The horrible act that sparked a brawl at child's birthday party

The uncle of the seven-year-old girl at the centre of the brawl at child's birthday party in Sydney's west has described the events leading up to the alarming show of violence.

Babies 'benefit from iPads at a young age': study

More often than not, you'll read that screen time for children should be kept to a minimum - but some scientists are now challenging this way of thinking.

Do mums really just obsessively talk about their children?

Natalie Reilly describes three main types of conversations mothers have. And, surprise, they're not all about kids.

Why some dogs might attack babies or young kids

A baby's smell, the noises it makes and even its gaze can contribute to the potential for a dog attack.

Mum demands refund for 'beargina' christening cake

It was meant to be a tasteful cake to help celebrate a three-year-old's christening.

5 things no one warns you about after giving birth

How many times have you been warned about all the sleepless nights you have to 'look forward to' when you become a parent?

Police officer sang nursery rhyme as heartbreaking photo was taken

A police officer arrived at a devastating scene on Thursday: a car crash resulting in all passengers being thrown from the vehicle.

Don't worry, working mums: Just leave Dad in charge at home

Want to open the boardroom doors for women? Encourage - heck, praise - dads who stay home with their children.

Hilaria Baldwin shares post-baby selfie

Just two days after giving birth, actor Alec Balwin's wife posted a post-baby picture on social media.

'Help - my child won't ever do what I ask!'

Compliance is part of the parent-child relationship, but so is resistance. It's all natural.

Postnatal depression support gets $23 million boost in NSW

The Baird government will include $22.8 million in Tuesday's NSW budget to expand a program designed to help parents at risk of postnatal depression (PND).

'I'm just as tired, scared and stressed as you': stay-at-home dad's plea

I'm really lucky to have two great kids, but I found it really tough with so much being aimed at the mothers and not the fathers.

 

FREE TICKET

Get your FREE ticket to the Baby & Toddler Show

Get your free ticket to the Sydney Essential Baby & Toddler Show for September 25-27 - register online now.

 
Advertisement
 
 
Essential Baby and Essential Kids is the place to find parenting information and parenting support relating to conception, pregnancy, birth, babies, toddlers, kids, maternity, family budgeting, family travel, nutrition and wellbeing, family entertainment, kids entertainment, tips for the family home, child-friendly recipes and parenting. Try our pregnancy due date calculator to determine your due date, or our ovulation calculator to predict ovulation and your fertile period. Our pregnancy week by week guide shows your baby's stages of development. Access our very active mum's discussion groups in the Essential Baby forums or the Essential Kids forums to talk to mums about conception, pregnancy, birth, babies, toddlers, kids and parenting lifestyle. Essential Baby also offers a baby names database of more than 22,000 baby names, popular baby names, boys' names, girls' names and baby names advice in our baby names forum. Essential Kids features a range of free printable worksheets for kids from preschool years through to primary school years. For the latest baby clothes, maternity clothes, maternity accessories, toddler products, kids toys and kids clothing, breastfeeding and other parenting resources, check out Essential Baby and Essential Kids.