Thanks ladies.

Teriae - self employed so my mean employer doesn't give me mat leave! Because Mat Leave is taxed it affects FTB part B (as well as needing to pay tax on it), so therein lies the dilemma!

Me+him+bub we're well under that cutoff. Unfortunately FAO can't really tell me much because I can't provide exact figures

I have a feeling (could be wrong!) that if the carbon tax goes through then the tax free threshold is jumping significantly - wonder if this will change who is better off with what?