So if hubby goes out as a subbie I still just estimate as normal? This is where I get so confused. I will only be getting ftb, ccr and ccb
yup, all you have to do is estimate income - ftb is all based on what the ATO recognises as income.

it's other payments that are far more complicated (worth the effort if you are low income, don't get me wrong - been there done that myself with all the profit and loss stuff!)