Thanks n2l. These were read out to me by ITSA the other day when i phoned but i just had a good read then. Nothing really worries me as most of that won't affect me for a while. Most things are already in DP's name. The next 3 even up to 7 years i don't see myself earning a great deal of money as i will be working only part time and studying mostly.

I will however chat with ITSA completely, actually they gave me the number of a financial counsellor here in canberra i can go chat with.

I really want to thank everybody for being so supportive and offering all kinds of advice.