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Moving In Together
Lucascain_2
Posts: 71 Forumite
Hi all,
Firstly, sorry if I'm in the wrong place, couldn't find a suitable forum!! My girlfriend and I are planning on moving in together, but cannot for the life of us work out whether we can afford to. I know that sounds strange!!
The problem is, my girlfriend has two children, and is on benefits. She gets £105 per week child tax credits. She also gets her rent paid for her (£59 per week) and council tax (£25 per week). We visited www.entitledto.com last night and entered all our details (my salary etc.) to work out how me moving in would affect her benefits, and whether we could afford to do it.
My salary is £15,372 per year, gross. When checking entitledto.com, it stated the only benefits we could claim for would be child tax credits, at the same rate my girlfriend is currently on now. Obviously if I move in, we have to start paying rent and council tax. Is anyone aware of any other benefits we would be entitled to to enable us to afford to move in together, as with my debt repayments each month, I don't think I would be able to afford the rent and council tax. I thought because I was on a low salary, we may be entitled to working tax credits and/or housing benefit? Can anyone shed any light?
Thanks
Firstly, sorry if I'm in the wrong place, couldn't find a suitable forum!! My girlfriend and I are planning on moving in together, but cannot for the life of us work out whether we can afford to. I know that sounds strange!!
The problem is, my girlfriend has two children, and is on benefits. She gets £105 per week child tax credits. She also gets her rent paid for her (£59 per week) and council tax (£25 per week). We visited www.entitledto.com last night and entered all our details (my salary etc.) to work out how me moving in would affect her benefits, and whether we could afford to do it.
My salary is £15,372 per year, gross. When checking entitledto.com, it stated the only benefits we could claim for would be child tax credits, at the same rate my girlfriend is currently on now. Obviously if I move in, we have to start paying rent and council tax. Is anyone aware of any other benefits we would be entitled to to enable us to afford to move in together, as with my debt repayments each month, I don't think I would be able to afford the rent and council tax. I thought because I was on a low salary, we may be entitled to working tax credits and/or housing benefit? Can anyone shed any light?
Thanks
Capital ONE :£2,208.00 (£50.00 pm) . Welcome Finance £4,588.10 (£99.90 pm) . Black Horse Finance £1,882.52 (£84.00 pm) . Owing to Parents £5,000 (£140 pm) .
TOTAL: [strike]£14,126.56 [/strike] £13,678.62
'Proud To Be Dealing With My Debts'
The Official DFW Nerd Club : Member 1138
0
Comments
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There is a benefits and tax credits subforum it's under the Work and Benefits forum, people there may be able to give you advice, good luck.Sealed pot challenge number 5130
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It doesn't sound strange as it is the case for a lot of people. Well done for actually trying to see if it is possible before doing so and getting yourselves further in debt.
You maybe well over the threshold for wtc and yes because you are working you will have to pay housing costs and council tax. But on the plus side you will now only paying one lot of utilities and food etc.
Would your partner not be able to get a part time job? You can get help with childcare costs0 -
My partner is actually on Carers Allowance for her Dad, and is really, as you would say, on-call.
She has to go and see to him at a moments notice, so a part time job would be extremely difficult to undertake. Thanks for the advice, we have considered this option but at the moment it doesn't seem feasible.
Thanks frenchconnection200, I'll make sure I repost in the correct place!!
vbmenu_register("postmenu_18875671", true);Capital ONE :£2,208.00 (£50.00 pm) . Welcome Finance £4,588.10 (£99.90 pm) . Black Horse Finance £1,882.52 (£84.00 pm) . Owing to Parents £5,000 (£140 pm) .TOTAL: [strike]£14,126.56 [/strike] £13,678.62'Proud To Be Dealing With My Debts'The Official DFW Nerd Club : Member 11380 -
It might be worth doing a statement of affairs (SOA) based on your current circumstances and then on what you would be entitled to if you moved in - have a look here for the calculator - http://forums.moneysavingexpert.com/showthread.html?t=107280Debt@16.12.09 £10,362.38, now debt free as of 29.02.2012."I cannot make my days longer so I strive to make them better."0
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Thanks redsquirrel. Browsing through the link right now!Capital ONE :£2,208.00 (£50.00 pm) . Welcome Finance £4,588.10 (£99.90 pm) . Black Horse Finance £1,882.52 (£84.00 pm) . Owing to Parents £5,000 (£140 pm) .TOTAL: [strike]£14,126.56 [/strike] £13,678.62'Proud To Be Dealing With My Debts'The Official DFW Nerd Club : Member 11380
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She isnt legally obliged to care for her father. She has her own life and should pursue it. She needs to get a job.0
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