Thank you all for your replies. I can see why now PPL may not be the best option. Unfortunately we get neither FTBA or FTBB as my eldest DD's father's 9yrs of maintanence debt was given was half paid to me in a lump sum which means this financial year I'm not entitled to any FTB and I expect the other half to be paid in the new financial year. Looks like we will be getting the baby bonus instead. Oh well atleast I don't have to add the almost $10000 to my taxable income. Thats a bonus I guess.