Things are very very tight at the moment - bills piling up and x-mas and Bellas Birthday pressies to buy.

DH works full time and I wokr 2 part days a week - my wage pays the mortgage and thats it.

I have over estimated our income for the past 3 years and we always just get our top up at the EOFY.

But Im begining to think that the extra that I would get a FN would be handy at the moment. But Im really scared that we would end up owing CL and that would be the straw that broke the camels back!

I know that our income is over estimated at about 30K over - thats was including my old wage... Im not even sure that would give us much extra a FN??

If anyone could help that would be wonderful!

Kate