Join my family in Australia

Good day. Ten years ago my wife's sister moved to New Zealand and they are now 4 years in Australia.

We wanted to join them, but I did not qualify for a visa with my current profession. I started studying after hours from home and paid for my exams. I got certified 2 years ago, however still not have enough points to qualify for a visa. They said I needed more experience so I am currently working and studying even further to advance our position.

Now I have the certification and the work experience to qualify for the visa. My problem I am facing now is that it is extremely expensive and with the fluctuation of the South African Rand versus the Australian dollar I can not afford it.

How it will be spent: Well there are a few stages that we need to go through in order to get the visa. The first step would be to pay for the skill assessment then the Australian state sponsor and then the immigration department. All of this is done through an agency. There is also medical bills, English tests and other costs to comply to before I can get a visa. I want to ask for help. While I am working and studying I support my family (Wife and two children). As many of you will know this is no easy task and can't afford the extra costs that relates to our immigration process. I am a hard working man and want to give my family the best opportunities for them to grow. I am getting older and want to get this done before I am too old for this visa. Thank you in advance