https://www.ohbaby.co.nz/forum/ Copyright (c) 2006-2013 Web Wiz Forums - All Rights Reserved. Mon, 27 Apr 2026 04:34:00 +0000 Fri, 11 Dec 2009 20:07:38 +0000 http://blogs.law.harvard.edu/tech/rss Web Wiz Forums 12.05 360 https://www.ohbaby.co.nz/forum/RSS_post_feed.asp?TID=30400 https://www.ohbaby.co.nz/forum/forum_images/web_wiz_forums.png https://www.ohbaby.co.nz/forum/ https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=868002&title=one-wage-income#868002 Author: Andriea
Subject: 30400
Posted: 11 December 2009 at 8:07pm

We are on one income to, we have been for most of our 12 years together.   I was a student for 3 of those years and have had 6 successful pregnancys. DH is on round 45K and we also get working for families.

We layby a lot of things we want and plan in advance for all birthdays, christmas etc. I save money so we are able to have a decent holiday once every couple of years. We dont own our own house but now that we have completed our family when Riley is older Ill go to work as well so we can buy a home.

I hard out budget so we can have money to do the nicer things. We arent financially wealthy but the kids and us have everything we need (and I admit the kids get most of what they want to). You just seem to find the money to make things work.]]> Fri, 11 Dec 2009 20:07:38 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=868002&title=one-wage-income#868002 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=866851&title=one-wage-income#866851 Author: spanky77
Subject: 30400
Posted: 10 December 2009 at 7:15pm

We're on one income , and have been for 2 years. I previously earnt more than DP.
we hadn't been ttc, but not preventing either. I work one day a week on low wages, and am at college, but am using up savings for that (slowly, I want to keep some for essential baby/kid stuff)

We could fixate on waiting until we buy a house etc, but I can't see that happening for at least 10 years. I figured that I'm in a good enough and unstressed space that if something decided to implant, we'd find a way round it and be happy with it. We don;t go on holidays or have flash clothes or cars etc, I'm pretty low maintenance and figure thats a good start]]> Thu, 10 Dec 2009 19:15:40 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=866851&title=one-wage-income#866851 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=866758&title=one-wage-income#866758 Author: FreeSpirit
Subject: 30400
Posted: 10 December 2009 at 5:20pm

Kat_girl, My DP gets about the same wage as yours, we manage just fine - yes we budget, I buy clothes for our girl before we need them (eg at the end of winter season clearance I buy clothing for next winter), we even get takeaways once a week. With the help the IRD give us through WFF, it's enough that I don't have to go back to work. My daughter is 17 months old now, I worked while I was pregnant so I could buy all the big nursery items and carseat etc, but stopped working at 36 weeksand haven't looked back.]]> Thu, 10 Dec 2009 17:20:16 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=866758&title=one-wage-income#866758 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=866340&title=one-wage-income#866340 Author: Leishamaree
Subject: 30400
Posted: 10 December 2009 at 11:56am

We are on 2 incomes but will go down to one once we have a bubba.

We have cleared all of our debt so it will only be food/power etc, from what I can see we will make it work.

Definately have a budget tho - ours is in a spreadsheet so I don't forget anything!]]> Thu, 10 Dec 2009 11:56:13 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=866340&title=one-wage-income#866340 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=866330&title=one-wage-income#866330 Author: minik8e
Subject: 30400
Posted: 10 December 2009 at 11:48am

We are on 1 1/2 incomes, kind of. DH works full-time (a wee bit more than your DP, but not by much) and I am working 1-2 days a week (min wage for me). We also get some WFF. We manage, and pay just over $400 a week on our mortgage (then have rates and insurance on top of that), but it is tight at times.

We spend about $200 a week on groceries - but this includes 2 tins of formula and nappies (which takes up about $70 of it). We could cut it down quite easily if we had to. Your power is expensive though...we only pay $50 a week.

It might be worth finding a job until you get pg/closer to bubs arriving, and maybe put all of your earnings into a savings account, that way you have more to fall back on, just in case. You're already used to only having one income, so you won't miss the money, and it would build up a nice little nest egg.]]> Thu, 10 Dec 2009 11:48:41 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=866330&title=one-wage-income#866330 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=866295&title=one-wage-income#866295 Author: Kat_Girl
Subject: 30400
Posted: 10 December 2009 at 11:21am

deleted


Edited by Kat_Girl]]> Thu, 10 Dec 2009 11:21:14 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=866295&title=one-wage-income#866295 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=866268&title=one-wage-income#866268 Author: Hunnybunny
Subject: 30400
Posted: 10 December 2009 at 10:53am

We are on one income! I'm not 10weeks with no.1

DF is on a good wage, for what he does. Although next year he will be taking a slight drop in hours/pay so (eventually) we will be better off, as he will be going into that business so we will be running it.

We are getting married in January, and move into our first home this weekend (we have owned it since October though)

Maybe now you are TTC you could start buying supermarket vouchers, even $10 a week can make a difference, and $10fuel vouchers? That way it all adds up, start paying a wee bit extra on power, phone and other utility bills, so you don't have to stress in those first few months, and maybe only pay half bills than what your used to when baby comes...

We've set up a lot of direct credits, so we don't have to worry. We are having boarders in for a wee while at least, we have one who is happy to stay once baby is here, as he will be a Dad at the same time, even though he isn't with his babys mum anymore...

Oh, and by the way, I'm 19, 20 in 3 days. And DF has just turned 26. There is a 5/6year age gap between us

Write budgets, STICK to them, even now, start budgeting for baby stuff. Spend time on trademe, maybe even now you could layby big things like cot, pram, carseat?? And start paying them off slowly. ]]> Thu, 10 Dec 2009 10:53:06 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=866268&title=one-wage-income#866268 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=866171&title=one-wage-income#866171 Author: kabe
Subject: 30400
Posted: 10 December 2009 at 9:30am

We found it a big challenge on one income as previously I earnt more than my DH. Now that we have a mortgage it's even harder, even though I'm back working 3 days a week.

If you're already only on one income, I can't see that it's going to make much difference IYKWIM. If you're worried about $ why not try and get some work before baby comes along? The more you can save, the better]]> Thu, 10 Dec 2009 09:30:49 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=866171&title=one-wage-income#866171 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=866155&title=one-wage-income#866155 Author: T_Rex
Subject: 30400
Posted: 10 December 2009 at 9:13am

I'm confused. Don't most couples end up having a baby on one income, at least for a while? We were on two incomes whilst TTC and pregnant, but will be going down to one for the next wee while until I go back to work. Most families take maternity leave, so its very doable to have a baby on one income. You just have to adjust your lifestyle to make it fit ]]> Thu, 10 Dec 2009 09:13:43 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=866155&title=one-wage-income#866155 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=865902&title=one-wage-income#865902 Author: ALittleLoopy
Subject: 30400
Posted: 09 December 2009 at 9:51pm

We are TTC #1 and DH is th only income we have and I havnt worked all this year.
We believe well get by, if you worry about money or not there will always be something to "put you off" trying for a bit longer...

I say GO FOR IT hun!]]> Wed, 09 Dec 2009 21:51:42 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=865902&title=one-wage-income#865902 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=865886&title=one-wage-income#865886 Author: emz
Subject: 30400
Posted: 09 December 2009 at 9:39pm

We were on 1 (and a bit) income as I was a student and only work 10 hours a week which I still do now.

TBH you need to be a good budgeter, we are on a soldiers incomes so not flash and our mortgage is pretty high in comparison to our income. But we get by, we manage to save for holidays away and our kids are well looked after (even if mum does give us care packages every once in a while to make sure we're eating properly - sometimes we forego good meals and let the kids eat well if we are really saving for something).]]> Wed, 09 Dec 2009 21:39:26 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=865886&title=one-wage-income#865886 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=865637&title=one-wage-income#865637 Author: Babykatnz
Subject: 30400
Posted: 09 December 2009 at 6:39pm

You can also go on the IRD website and see if your dp's income gives you any entitlement to working for families money when baby comes... I am the same as freckle, TTC#3 with only DP's income, but we get a little help from IRD through the WFF scheme ]]> Wed, 09 Dec 2009 18:39:36 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=865637&title=one-wage-income#865637 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=865554&title=one-wage-income#865554 Author: lilfatty
Subject: 30400
Posted: 09 December 2009 at 5:20pm

We have two and are on one income, in fact while I was on maternity leave with number two we had no income and still manage to feed, clothe and entertain them ]]> Wed, 09 Dec 2009 17:20:55 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=865554&title=one-wage-income#865554 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=865491&title=one-wage-income#865491 Author: MaeBeeBaby
Subject: 30400
Posted: 09 December 2009 at 4:34pm

And if you are the last of your friends you should get a lot of hand-me-downs or loaned stuff!]]> Wed, 09 Dec 2009 16:34:35 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=865491&title=one-wage-income#865491 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=865403&title=one-wage-income#865403 Author: freckle
Subject: 30400
Posted: 09 December 2009 at 3:35pm

hila wrote: Kids aren't as expensive as every one makes out.

I so agree! with my oldest we went out and bought EVERYTHING! this time was like starting again as had an 11 year gap and we did it so much more cheaply, you really don't need much at all! ]]> Wed, 09 Dec 2009 15:35:57 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=865403&title=one-wage-income#865403 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=865391&title=one-wage-income#865391 Author: MaeBeeBaby
Subject: 30400
Posted: 09 December 2009 at 3:23pm

The best way to figure out if this is working for you is to find out what costs are involved in bringing up a baby. Ask friends who have babies - consider doctors visits (not all are free, esp if they are specialist), nappies, formulas, clothing, setting up the nursery, all that stuff. And put that amount aside each week so you just cannot touch it. If you can manage this for a few months with no interference involved, then I would say yes, you will be fine!

Edited by MaebeeBaby]]> Wed, 09 Dec 2009 15:23:12 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=865391&title=one-wage-income#865391 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=865387&title=one-wage-income#865387 Author: newme
Subject: 30400
Posted: 09 December 2009 at 3:22pm

You will be fine. We are on one low-ish income and we get by. Kids aren't as expensive as every one makes out.]]> Wed, 09 Dec 2009 15:22:23 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=865387&title=one-wage-income#865387 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=865381&title=one-wage-income#865381 Author: freckle
Subject: 30400
Posted: 09 December 2009 at 3:19pm

we live on one income and have two kids and TTC #3... we don't actually find it that hard and it's not like we have a huge income either, we are probably getting an average income I would guess... If we're a bit careless with money it can get a little stressful at times but generally if we budget well it's not too much of a stretch... we don't really go out much though so I guess it depends on your lifestyle and income...]]> Wed, 09 Dec 2009 15:19:37 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=865381&title=one-wage-income#865381 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=865374&title=one-wage-income#865374 Author: Kat_Girl
Subject: 30400
Posted: 09 December 2009 at 3:08pm

Deleted



Edited by Kat_Girl]]> Wed, 09 Dec 2009 15:08:14 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30400&PID=865374&title=one-wage-income#865374