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resident return visa

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I have been granted a extension on my expired resident return visa to be back in Aus. within one year (march 2020) but our finances are not going to support our starting over move (me and my Aus. husband both will have no jobs when we move over) our bank account is lookin pretty shabby to help us with our new start. So I was wondering should I reapply for the same visa again before it expires in March 2020 to see if they will give me a later date to be back in the country or wait until it expires then apply again? or will they deny me another extension on my expired resident return visa because I didn't take the first one they gave me? we need another 6 month to a year more before the bank account looks good.  Thanks in advance 

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I wouldn't risk it. The money will never be enough. I would find means to come and make it work. Not easy but worth it in the end

Visa: PMV Subclass 300, Lodged: Mid Apr 2019, Medicals: Cleared, Status: Further processing

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