We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Kids and benefits and 1 parent working

buckethead_2
buckethead_2 Posts: 20 Forumite
in Benefits & tax credits
Hi...I wonder if you all can help, I read all these things in the papers or families getting thousands in benefits each month and I seem to think im missing out somewhere..a brief rundown of my outgoing etc....I earn £1450 a month after tax, I normally top this amount up to £2000 a month with overtime if im lucky, my mortgage is £1250 a month and with other bills I pay out approx £1800 each month.

My wife doesnt work through choice and stays home looking after our 16 month old daughter.

I work my !!!! off to see us ok but all we get is about £80 a month? this seems really low considering we pay full council tax even though its only me working just like single households..am I missing the gravy train or what!
«13

Comments

  • dmg24
    dmg24 Posts: 33,920 Forumite
    10,000 Posts
    www.entitledto.co.uk, but on an income of approx £33000 before tax I would not expect a lot! I assume you already claim child tax credits and child benefit?
    Gone ... or have I?
  • Marker_2
    Marker_2 Posts: 3,260 Forumite
    Why on earth do you have a mortgage only a few hundred less than your guaranteed income?
    99.9% of my posts include sarcasm!
    Touch my bum :money:
    Tesco - £1000 , Carpet - £20, Barclaycard - £50, HSBC - £50 + Car - £1700
    SAVED =£0
    Debts - £2850
  • buckethead_2
    buckethead_2 Posts: 20 Forumite
    Marker wrote: »
    Why on earth do you have a mortgage only a few hundred less than your guaranteed income?
    because unless you want to live in a flat in London theres little alternative
  • Marker_2
    Marker_2 Posts: 3,260 Forumite
    Maybe you should look at alternatives outside of London if you are struggling that much. Being a family of 3 on that wage in one of the most expensive places in the UK sounds ridiculous to me.

    Have you looked into working elsewhere in England or commuting?

    Not havng a pop at you at all, but im comparing my outgoings and income to your income and outgoing solely for your mortgage and I think you are bordering on mental :D
    99.9% of my posts include sarcasm!
    Touch my bum :money:
    Tesco - £1000 , Carpet - £20, Barclaycard - £50, HSBC - £50 + Car - £1700
    SAVED =£0
    Debts - £2850
  • liney
    liney Posts: 5,121 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    buckethead wrote: »
    My wife doesnt work through choice and stays home looking after our 16 month old daughter.
    quote]

    This is the important bit. You chose to be a SAHM if you can afford to. Evidently you can't afford her to. Perhaps evening work to fit around your job would be most appropriate if you do not want to use childcare.
    "On behalf of teachers, I'd like to dedicate this award to Michael Gove and I mean dedicate in the Anglo Saxon sense which means insert roughly into the anus of." My hero, Mr Steer.
  • Auzelia
    Auzelia Posts: 806 Forumite
    buckethead wrote: »
    I earn £1450 a month after tax, I normally top this amount up to £2000 a month with overtime if im lucky, my mortgage is £1250 a month and with other bills I pay out approx £1800 each month.

    So what happens if there is no overtime? Is your job that safe that overtime is always available?
    What would you do?
    Pay your mortgage and then have £200 to live on for the rest of the month and not pay any other bills?
    Or stick it all on your credit card?

    The fact that you have such a high mortgage on that kind of wage I find kind of shocking.

    But hey ho! If you want to jump on the "Gravy Train" then just give up your job!
    Im sure you will be £1000's better off :rotfl: :rotfl: :rotfl:
  • buckethead_2
    buckethead_2 Posts: 20 Forumite
    well the bank gave me the mortgage blame them i told them my wage! if i cant do the ot it goes on the overdraft...not a huge problem...cant move out of the area thats rediculous and im getting on just fine with this lifestyle just wondered if i could get some money free bees like all the others who come over to this country or whom dont work
  • dmg24
    dmg24 Posts: 33,920 Forumite
    10,000 Posts
    buckethead wrote: »
    well the bank gave me the mortgage blame them i told them my wage! if i cant do the ot it goes on the overdraft...not a huge problem...cant move out of the area thats rediculous and im getting on just fine with this lifestyle just wondered if i could get some money free bees like all the others who come over to this country or whom dont work

    Have you checked entitledto? Nothing like a polite thank you. :rolleyes:
    Gone ... or have I?
  • buckethead_2
    buckethead_2 Posts: 20 Forumite
    cheers! where can i check?
  • alwaysonthego_2
    alwaysonthego_2 Posts: 8,446 Forumite
    1,000 Posts Combo Breaker
    www.entitledto.co.uk


    edit. I see dmg has already put up the link, op don't you read your replies
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.7K Banking & Borrowing
  • 253.4K Reduce Debt & Boost Income
  • 454K Spending & Discounts
  • 244.7K Work, Benefits & Business
  • 600.1K Mortgages, Homes & Bills
  • 177.3K Life & Family
  • 258.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture