Hey BG, I haven't read the entire thread, but just wanted to clarify something? We get out FTB at the end of the financial year, too hard for us to calculate my wage as I work one regular day, but other inconsisten times from home as well. So does that mean we would get it at tax time? I read your other post, but wasn't sure if that's what you meant

Christmas time would be baaad for us, I'd want to spend it all on more presents or decorations