Correct! When I started school, we lived in what these days would be called a "jerry-built" house, with a roof that leaked every time it rained. There was no heating of any kind except the kitchen stove, and with Dad working, there was not a good wood supply for that - nobody bought wood. No hot water system, weekly bath using a chip heater (job for small boys - one bucket of chips and small sticks) was an improvement on a basin of water warmed with a jug of water from the electric jug.
There were only three houses in the street that had cars - ours was 23 years old (two seat truck, kids in the back!), and none of them were less than fifteen years old. You commuted by public transport, walked or bike - even if you had a car, fuel rationing meant you could not use it for commuting. Dad, I think, put the car back on the road when rationing relaxed slightly, mainly so he could use its fuel ration to commute on his motorbike - very helpful when he was on nightshift and the public transport had issues.
As Don says - if it could not be paid for in cash, we did not get it - the only loan my parents ever got in their life was the mortgage on the house. Shortly before I started school we got a small radio set, built by a relative after he had been discharged from the army due to illness. The origin of the parts is shrouded in mystery!
But when us twins started school (youngest) we as a family were able to move up in the world - Mum went back to teaching (she had lost her job as soon as she married). Now that rarity, a two income family. This led rapidly to a washing machine, and a refrigerator, and even an electric stove and a slow combustion heater for the lounge room. And when I was in about fourth grade, a "new" car, only about eighteen years old. This actually had five seats for a family of five! We even go bikes a little later (second hand of course). Even started on house renovations, but this revealed the real state of the house, and led to the building of a new house by the time I was about fifteen. Built by the family, of course, with minimum professional help.
This description is life from a time when Australia had a large manufacturing industry! In a family that was well educated and relatively well off.

