"UT says 40k pa living expenses and bills - we have 3 children (in public schools) and we still spend way more than that..... how do you do it UT?"
Maz I didn't say I was doing it currently but if I was comfortable with my employment status etc etc I would be open to doing it. As for for the living expenses well plenty of families live on way less than $40k pa - people tend to spend more as they earn more doesn't mean they really have anything to show for it or that they are living that much better than someone else.