Unless she shares a house with someone she will need to at least work part time to survive. PPS is not enough to pay for rent, bills & food with the average rent these days. So if she is working now, tell her to hang on to the job & negotiate part time hours for after her maternity leave. She should be able to survive quite well at first on just the baby bonus, PPS & FTB. I work 3 days a week & live comfortably & am paying off a mortgage. She may be able to survive without working if her CS is for a good amount, but many of us receive small sums so that just is not an option for us.