Spinifex, I have been looking for what is probably the same thing, though it sounds like one of them, if not both, might be a touch bastardised.
"What's the use in talking when you're stony broke and walking and your tucker bag she's flapping in the wind."
First mentioned to me by my brother in Queensland, as told to him by an old timer.
My brother says he will try and find out off the old timer.
I thought it might be Henry Lawson or Banjo Paterson, but no amount of searching comes up with anything. :?
How about yourself, did you come up with a source?
Peace.