Living on £110 a month

tyllwyd

Hi Jenny

I totally appreciate how difficult it is to work with money getting swallowed up in childcare.

Could your parents or in-laws help with babysitting if you got a part-time job? Or could you work weekends and your husband could look after your little girl - it is very difficult, I know, but living apart must be equally difficult.

How far does your husband have to commute to work?

jenny22_2

there is just one small problem with that suggestion.
we have 2 local hostels and they are both full as one is being knocked down and re-built half at a time which means that everyone in the knocked down half is now in the other hostel and it will be the same when that half is done and the other half ready to be knocked down.

jenny22_2

tyllwyd wrote:

Hi Jenny

I totally appreciate how difficult it is to work with money getting swallowed up in childcare.

Could your parents or in-laws help with babysitting if you got a part-time job? Or could you work weekends and your husband could look after your little girl - it is very difficult, I know, but living apart must be equally difficult.

How far does your husband have to commute to work?

all the parents work which is the main problem and if i was to work evenings or weekends i would not see my husband as by the time he gets abck to work we only get to see each other for 2 hours before he is off home to bed ready for the next day at work plus he has to work alternate saturday mornings. it usually takes 45 mins to an hour for him to get to work.

jenny22_2

skintchick wrote:

Hi! We do really need to know what is coming in, where it goes out, so we have a chance of advising on the financial side of things.

hi.

we have as follows each month:
__IN__

1k - OH wages
£110 -child benefit and child tax credit

__OUT___

£150 - loan for car
£250 - rent split between both sets of parents to cover bills and some food
£50 - car insurance
£200-£300 - overdraft payment
£200 - petrol sometimes a little less
£20 - mobile phone top up (10 quid each)

in*the*red_6

Hi there

Are you sure you are getting enough tax credits? What's your hubby's annual salary? I'm currently not earning, plus I have been overpaid for a period when I was at work (apparently!) and I'm still getting more tax credit than that for the month (assume 60 odd pound of that £110 is child benefit)?

Itr

jenny22_2

hi my other half is in around 15k before tax and the tax credits are right as we had to get them changed when we married. the thing that anoys me is when i was claiming as just me and then had to re do it when i married i got a letter from the tax credit people telling me i owed them 300 quid as they has paid me too much. so when i only get 40 quid a month from them i dont know how im going to pay back £300

lynzpower

jenny22 wrote:

there is just one small problem with that suggestion.
we have 2 local hostels and they are both full as one is being knocked down and re-built half at a time which means that everyone in the knocked down half is now in the other hostel and it will be the same when that half is done and the other half ready to be knocked down.

I think this is for me? Anyway, I would say, 6 weeks is really not a long time. Once you have got through this ( and you will get housing benefit for it) you will save yourself the rent money you are giving to your parents.

You ARE legally entitled to be given a property as a homeless family.

Are you not recieving anything like income support or DLA or anything then ?

in*the*red_6

jenny22 wrote:

hi my other half is in around 15k before tax and the tax credits are right as we had to get them changed when we married. the thing that anoys me is when i was claiming as just me and then had to re do it when i married i got a letter from the tax credit people telling me i owed them 300 quid as they has paid me too much. so when i only get 40 quid a month from them i dont know how im going to pay back £300

I would give them a ring to query it TBH because it doesn't sound enough at all. God knows how they work out their figures but I just don't think that can be right. With a higher annual income and more overpayments I am still getting more than that a month

Also if the income is less than £15050 before tax and NI you should be able to claim free prescriptions, exemption from dentist etc.

THE_LONE_RANGER_4

hi, i know this may sound pye in the sky have you thought of moving to a area for a fresh start shropshire etc there is plenty of work around here not over payed ,but standard of living would be better for you im sure, familys should be together just an idea, i no some one who did this theres a magazine called the lady in there you will find loads of jobs in country areas they in the main come with a house basically you clean or general house keeping in return you get a house and small wage your husband can look for a job in the area you move to ,if you like the area pop your name on local housing association list etc and should you leave your job etc you should be fine ,but again private rents are cheaper in these areas etc just a thought

livilou

hi there, I would seriously look at querying the tax credits, up until recently my hubby was earning approx 15k and I was working (still am) 16 hours a week. we have two children and have been getting 70.oo/week tax credits and then more money from working tax credits. I think 40.00 a month tax credits is the lowest payment?? we used to get that when hubby was earning a much higher salary.


xx