You're not weird - we did talk about it but..at 35 I think it would be foolish of me to throw a single cycle away! And we will struggle financially with another unpaid mat leave.
We obviously didn't wait either (but after years of TTCing there was no way we would have anyway)
But in the end it isn't going to be significantly different to what you get with the baby bonus now. I think that the maximum additional benefit you can get (depending on your tax and centrelink benefits etc) is about $2000 more than the baby bonus. (And I am out of pocket far more than that just on my Obs plannign and management fee!)
We're considering waiting too, its only a few months now.
My concern is what work will do with the maternity leave they already provide; we're due for a new certified agreement soon, so they may look at reducing things from their end once the govt ppl comes in.
Well i'm really thinking that we will ttc early april and if it happens that our baby is born before next yr so be it but the paid maternity leave is still more finacially viable for us. The 5 grand baby bonus is great but we still spent 10 grand of our saving when I went on ML for 6mths. Mind you dh was earning less then but we get around $50 per fortnight parenting payment which we will probably have to pay back come tax time as we have under estimated. I have managed to continue working p/t and want to until the kids start school but i'm not sure this will happen without ppl. Such a confusing decision!
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