Hello!

Hi,  I am looking to finish my part time work and stay at home to help our children (DS4 and DD6) with learning difficulties. But my husband is worried about our finances. Does anyone have any tips, ideas, thoughts on how best to get through this?

Posted by anon, 11/7/13

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  • If you love your part-time job, I would ask your employer if you could change your hours, or reduce them for a while. If your job is not that fulfilling, I would stay home to help the children and tighten spending wherever possible.


  • Talk to him about the benefits of a loving parent caring for your babies, make sure you have a means to support yourself emotionally and break time.


  • Is it possible for you to turn to the government for assistance? If not maybe just some part time night work when they are sleeping and hubby can watch them.


  • See a counciller


  • be prepared to not have “everything” thats all it takes, as long as ther eis food and shoes and everyone is happy moeny doesnt matter


  • It’s so tough trying to juggle evrythingM


  • Build up a savings account prior to leaving to get you by


  • I hope you were able to get the help you needed


  • Budget and see what things are essential


  • I hope everything is going well for you.


  • Budget budget budget!! Kidspot has some great helpful tips here –

    http://www.kidspot.com.au/subsection+156+Family-Budget-Money-saving-tips.htm


  • Budgeting and check out Centrelink. Go through the budget with your hubby too!


  • budget.. maybe even doing a garden with your kids might help you and them both in bonding and helps teach kids how things grow etc :)


  • Budgeting is definitely the key.

    Where we live we also have a low cost store option called spud shed (WA) where we can get cheap fruit and vegies and meat. I can pick up mince for $4, potatos for $1.50 etc, bulk washing liquid for $8 (for 5kg) etc. So you can look at where you can get low cost food options.

    Cook more in bulk and more from scratch instead of buying things that you can bake. Cooking in bulk can often be cheaper and more cost effective.

    Have a money tin for change and put it in there (I saved $200 in 6 months doing this) as its amazing how much those little coins can add up into something substantial.

    What about family daycare? Would this be an option at all?


  • Budget, budget, budget. Decide between the two of you what your wants and needs are, and stick to them.


  • Make a budget and stick to it. Cut out non necessary spending. See if you are eligible for any benefits at Centrelink


  • I agree that Budget is the key. My partner and I are on a fairly tight budget at the moment as I have just been made redundant. Even though I am loving spending all-day everyday with our son I am the one who stresses about money. The first thing I did was make sure I was only food shopping once a week. I found we were doing one big shop and then also ‘picking up things during the week’ which was really pushing us over. My weekly shopping trip is my ‘out’ time so I go it alone. I am now shopping at Aldi as it is much cheaper. Variety is a bit less however I still get a few key products (mainly formula, nappies) from Coles or Woolies. I also keep my dockets and work out what I have spent, what I didn’t need, what we didn’t eat/like etc. I also have been more conscious about what we have in the fridge/freezer. No throwing out- everything is used in some way, shape or form! In regards to other biils, we changed our phone plans to free text and text each other instead of ring. Home phone and internet are now on cheaper plans and electricity and gas have also been changed over. I wash etc on off-peak times (ie. weekend). It seems like a lot of small things but it adds up to a bit each month. We just simply account for everything we use/spend. We have almost made it into a competition to see what we can save :) Goodluck, and enjoy your mummy time xx


  • Depending on your commitments you should be able to manage, work out your budget then try living on the one salary for awhile to show your husband you can make it work, will mean you have a little savings to help when you do stop work.


  • could you maybe work a few hours a day while they are at school? also budgeting. paying the bigger bills mothnly or weekly so when they come in they are either paid or reduced. shop at aldi. fantastic food and so much cheaper. shop wholesale for things like meat and buy in bulk


  • I hope you have so e family and friends nearby who might help out. It’s good to accept an offer of help if you can


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