You haven't said about your accomodation, renting, morgage,etc. You will have a bit extra cash from centerlink. Our first bub put a hell of a strain on our finances. My wife didn't have a car, she pushed the pram to do the shopping, I had a ute for work. So I would sell off as much as I could and forget about a T until you can afford it. Good luck and I wish you well, your new baby will be better than a T.