Sush I totally get what you are saying. I thought long and hard about going back to work at the beginning of the year. Putting 2 kids in creche full time plus the travel made it not worth going back to work and I was putting in another year as a SAHM till Angus started school but fate had other plans for me as you know.

I totally admire those who do it on their own. I managed to get through a lot of my course self funded when I realised I could manage both part time work and tafe and cancelled my Austudy allowance, and when the time comes for me to go back to work if I lose FTB so be it! I'll be making up for the lack of contribution to my personal super to be sure we are fully self funded for retirement.

Fingers crossed the butt doesn't fall out of the building industry in the meantime and I'll have a career to go back to