Im paying my Dad back $10k interest free at $100 a fortnight....which means it'll take about 4 or 5 yrs to pay back but he's in no hurry for the money, just important to him I make a regular payment...got into the mess by buying a brand new car and laptop on finance, could hardly afford repayments and had to sell both for a huge loss and dad paid out the finance so I wouldn't be stuck in debt forever.

Apart from that, no credit cards, no loans, DP has no credit cards/loans either.

Together we make about $1000 a week after tax, rent is 300 a week, groceries about 100, fuel 50, bills like phone, utilities etc we put aside 50, 100 for 'baby savings' and 100 for my dad. So that works out to leaving us 300 a week disposable income.

Were looking at buying a house in a yr or two but we've only been together since 2 weeks before I got pg so just seeing how things pan out...