EMA advise please

[Deleted User]

silkyuk9 wrote: »

have you taken into account coucil tax releif, getting rent payed, help with child care, free dental, free perscrips, free specs, free school uniforms, free this and free that

now you are just getting silly
rent paid....some have mortgages and only get some of that paid,even many who rent dont get a 100% rebate
help with childcare?not if they arent working they dont
free dental?only if they need it and can find an nhs dentist
free prescriptions...80% of scripts in england arent paid for
free specs?..again only if needed and even then only a £28 voucher every TWO years,so thats worth 28p a week!
free school uniforms...thats just a lie
free this and that...care to elaborate,or are you waiting for tomorrows daily mail for more material?
:mad: :mad: :mad: :mad: :mad:

bonnie_2

Ok my rent is £89 a week and my council tax £93 a month, add on child tax credits and child benifit. We will be getting £12,158.
My hubby got made redundant, we are not getting full EMA either because they class it on last years income.
We have still got to pay the service charge on the flat.
The cost of food and fuel has doubled, i am used to living on your sort of income, so it will be a struggle.
There are no jobs in the building trade, his a painter.

Oldernotwiser

bonnie wrote: »

Ok my rent is £89 a week and my council tax £93 a month, add on child tax credits and child benifit. We will be getting £12,158.
My hubby got made redundant, we are not getting full EMA either because they class it on last years income.
.

If your income has dropped by over 15% then you can be reassessed on current income. Ask at the college for the appropriate forms or a contact number to ask for them to be sent to you. There is now an EMA guarantee so that if your child gets it at first then s/he'll get it for the whole of the course even when your husband finds work again. Hope this helps.

mitchaa

bonnie wrote: »

How is £94.50 income support for a couple £33,000 a year, beats me. I make it £4914.

In all fairness to the O.P

There are a lot of hidden benefits such as free housing and CT that someone out of work would receive, so it's a lot more than the £4914 suggests.

Along with the extra in CTC dependent on how many children you have.

When you take into account £33,000 after taxation is only £26k aswell, the gap between the family on benefits and the family on ''£33k'' is not as big as it seems.

If you are getting your rent paid at £750pm, that is £9000 per year straight away. Then £1000 per year CT relief, there is £10,000 before we even start.

Add this onto the £4900 income support payments, there's £15,000.

So the difference now is only £11k (£26k-£15k)

Then add on the extra you would receive in CTC, lets just say average 2 children, that's worth an extra £4200 per year so the gap is now under £7k different.

Then factor in EMA, £30pw x 52 = £1560 per year

Then add on all the IS passport benefits such as free prescriptions, dental, school dinners, milk tokens and so on and on.

So the difference between earning £33k and being on IS @ £4900, is actually very minimal. You people on benefits really dont know how lucky you all are with all the other freebies that you get.

People on unemployment benefits seem to fail to realise that they get a free roof over their head and get the luxury of not having to pay CT.

Not such a luxury if you are in work slogging your guts out.

So the O.P has a right to be annoyed and i and every working tax payer can certainly see his frustration.

When you break things down, it's easy to see why many people are annoyed.

Me, if someone wants to sit on their a**e all day, then that's up to them. There's nothing i nor anyone can do about that. However, what a boring and miserable life someone must lead on benefits, sitting in and staring at the same 4 walls, 365days a year watching Trisha and JK would soon turn me to suicide. You need to work for social interaction, and to gain respect in the world. Some would rather sit on their ars* all day sponging but more shame on them over the person that can financially support themselves

bonnie_2

Ema is for the child, it goes into their bank account, the parent can't touch it. Why are you so bittter anyway, it's hardly hubbies fault his been made redundant. What goes around comes around as they say. We've paid taxes, hubbie 45 and worked since he was 16.
Perhaps you think your job is recession proof.

mitchaa

bonnie wrote: »

Ema is for the child, it goes into their bank account, the parent can't touch it. Why are you so bittter anyway, it's hardly hubbies fault his been made redundant. What goes around comes around as they say. We've paid taxes, hubbie 45 and worked since he was 16.
Perhaps you think your job is recession proof.

I take it that is aimed at me?

Yes, my job is recession proof. 1million %. I specialise in something that is in high demand and something that i would say there are less than 20 people in the UK qualified to do, so my job is perfectly safe.

The recession excuse is a lot of rubbish, there are over 1 million advertised jobs in the UK at the moment, it's an excuse for unemployment, it's absoloute garbage

EMA goes into the childs bank account but yet you fail to realise that if EMA is not available, the parent would have to give them funds out of their own pocket to see them through.

So instead of being given say £120 every 4 weeks, the non EMA parents would have to give their kids the same equivelant out of their own pocket.

My post was merely stating that there are a lot of hidden benefits in the benefits system that dont neccessarily hit the bank account every week/month.

bonnie_2

Well in this area there are jobs, but only if you are qualified to do them. I am not a doctor, nurse, teacher or I.t specialist. Neither is hubby. All the shops are closing down.
I actually saw a nice little job cleaning for social services for 20 hours a week, but they wanted a health and hygeine certificate.
My uncle also got layed of , his a builder, he went to the olympic stadium looking for work and was told they were employing 30,000 immigrants to do the job.
I am starting a degree in october, so will see if i get anywhere with that.
All the shops that are left want experienced workers or kids.
If you think you can just walk into a job, you are mistaken. A friend son went for a job a s a dustman he had no chance, 9 others went as well.

silkyuk9

mitchaa wrote: »

In all fairness to the O.P

There are a lot of hidden benefits such as free housing and CT that someone out of work would receive, so it's a lot more than the £4914 suggests.

Along with the extra in CTC dependent on how many children you have.

When you take into account £33,000 after taxation is only £26k aswell, the gap between the family on benefits and the family on ''£33k'' is not as big as it seems.

If you are getting your rent paid at £750pm, that is £9000 per year straight away. Then £1000 per year CT relief, there is £10,000 before we even start.

Add this onto the £4900 income support payments, there's £15,000.

So the difference now is only £11k (£26k-£15k)

Then add on the extra you would receive in CTC, lets just say average 2 children, that's worth an extra £4200 per year so the gap is now under £7k different.

Then factor in EMA, £30pw x 52 = £1560 per year

Then add on all the IS passport benefits such as free prescriptions, dental, school dinners, milk tokens and so on and on.

So the difference between earning £33k and being on IS @ £4900, is actually very minimal. You people on benefits really dont know how lucky you all are with all the other freebies that you get.

People on unemployment benefits seem to fail to realise that they get a free roof over their head and get the luxury of not having to pay CT.

Not such a luxury if you are in work slogging your guts out.

So the O.P has a right to be annoyed and i and every working tax payer can certainly see his frustration.

When you break things down, it's easy to see why many people are annoyed.

Me, if someone wants to sit on their a**e all day, then that's up to them. There's nothing i nor anyone can do about that. However, what a boring and miserable life someone must lead on benefits, sitting in and staring at the same 4 walls, 365days a year watching Trisha and JK would soon turn me to suicide. You need to work for social interaction, and to gain respect in the world. Some would rather sit on their ars* all day sponging but more shame on them over the person that can financially support themselves

im glad someone clarified this better than me. im not knocking anyone who is unemplyed and struggling, there are very different situations out there.

im just going to go back to our income, some have mentioned that we get £33k per year, in terms of 'income' that is not correct, that is a gross ammount, that is before taxes and other deductions.

We are not high earners, and im sure if we were both unemployed we would receive, maybe not as much but within a thousand or 2 near that mark.

is t worth working full time these days if you are not a high earner or an high flying exec.

getting back to the reason i started this thread, EMA is an incentive for teenages to stay in education. What incentive has my daughter got.

Getting up at 6am each morning, catching a bus at 7am, in the freezing winter, travelling 21 miles at £35 per month, buying all her own items that are needed, paying another £50 for a police check that is needed for her course and having to hold down a part-time job just to fund the neccesities that will help her through her years course. All this at 16, were are the incentives here.

unemployed people, not all granted, but there are a section, who will get all this for free, and have no worries.

Where is the incentive for my daughter??

bestpud

mitchaa wrote: »

In all fairness to the O.P

There are a lot of hidden benefits such as free housing and CT that someone out of work would receive, so it's a lot more than the £4914 suggests.

Along with the extra in CTC dependent on how many children you have.

When you take into account £33,000 after taxation is only £26k aswell, the gap between the family on benefits and the family on ''£33k'' is not as big as it seems.

The OP gets tax credits too, so their income is over £29k for a start.

If you are getting your rent paid at £750pm, that is £9000 per year straight away. Then £1000 per year CT relief, there is £10,000 before we even start.

Depends what your rent is, or indeed whether you have any rent. That could make quite a difference to your calculations.

Add this onto the £4900 income support payments, there's £15,000.

So the difference now is only £11k (£26k-£15k)

Then add on the extra you would receive in CTC, lets just say average 2 children, that's worth an extra £4200 per year so the gap is now under £7k different.

Then factor in EMA, £30pw x 52 = £1560 per year

EMA is paid term time only and the bonuses (that have been cut recently) do not add up to the difference either!

Then add on all the IS passport benefits such as free prescriptions, dental, school dinners, milk tokens and so on and on.

This has already been said above. NHS dentists are scarce and the OP wouldn't get free school meals anyway as their child is at college.

So the difference between earning £33k and being on IS @ £4900, is actually very minimal. You people on benefits really dont know how lucky you all are with all the other freebies that you get.

People on unemployment benefits seem to fail to realise that they get a free roof over their head and get the luxury of not having to pay CT.

IF they rent and the LHA isn't lower than their rent!

Not such a luxury if you are in work slogging your guts out.

So the O.P has a right to be annoyed and i and every working tax payer can certainly see his frustration.

When you break things down, it's easy to see why many people are annoyed.

Me, if someone wants to sit on their a**e all day, then that's up to them. There's nothing i nor anyone can do about that. However, what a boring and miserable life someone must lead on benefits, sitting in and staring at the same 4 walls, 365days a year watching Trisha and JK would soon turn me to suicide. You need to work for social interaction, and to gain respect in the world. Some would rather sit on their ars* all day sponging but more shame on them over the person that can financially support themselves

The OP said they would be better off not working - that is the post being answered by everyone else. You are going off at a tangent.

But I'm sure the OP will be very happy to give up work if you can post accurate figures so he can be sure he'll be better off! Somehow I can't see that happening!

However, I can see why you are annoyed OP. Your dd would NOT be better off getting herself pregnant though - you can be sure of that one!

LadyMorticia

Isn't it funny (but not in a "haha" way) that a lot of the threads on the benefits board turn into an argument about those on benefits?
I think I'll just have my two cents and then leave for fear of getting verbal rocks thrown at me.

To the OP - I don't believe in the slightest that you would be better on benefits. It is a well known fact here that I am ill (and I will never deny it). I would much rather have my health and be able to work than be ill and not know how I'm going to feel from one moment to the next. Unfortunately, I cannot work due to my illnesses but I will tell you this, being on benefits is no fun. It's not just about having handouts and the feelings of uselessness. It's about people looking down their noses at you and refusing to have anything to do with you because you are ill and claim benefits.
You should be lucky that you are well and able to bring a wage into the home. Some of us aren't blessed like that.

xx