shopping allowence

MicheH · 13 January 2010 at 1:59PM

Not getting involved in this one other than to say a quick count of £200 per month per child? £50 a week for each child to feed healthily, nappy, clothe, shoe, outdoor gear, bathe, keep warm, give them a life i.e. activities in/out of school, hair cuts. Is the horror smiley really appropriate?

dojoman · 13 January 2010 at 2:21PM

Sorry, misunderstood the post...

Tinytim · 13 January 2010 at 7:21PM

I would imagine £20,000 per year for 8 kids is probably about right. My total tax credits is about £13,500 for four kids.

As far as the groceries is concerned, I would think a figure of around £1,000 would be acceptable. There have been people who have had figures in excess of £600 accepted for families of two adults and four children, but the OR's guidance figures would suggest a maximum of £855 for food and £318 for clothing for a family of two adults and eight children.

The OR's guidance figures suggest that it costs far more to feed and clothe an adult than it does a child - those of us with children know how wrong that actually is - but if some of your kids are well into their teenage years, you may be able to argue that their living costs are closer to those of an adult. In the end, it will depend how much you actually spend. If you really do spend £1,300 or £1,400 on groceries and can evidence it, it may be allowed, but I suspect the examiner will be aware that economies of scale do apply in some instances.:)

tech2_2 · 13 January 2010 at 7:30PM

I totally agrre with you tinytim, but if thats the case why does the system give so much money in the first place! and How is it possible for a high street lender to give these people credit that ultimatly come crashing down and burn around their eyes????

I think the whole country should go bankrupt as if i could have had the money £30k was it that the banking system owes each taxpayer i would not have to hev gone BR....

The system is very wrong ang the fact is the people who never use credit and save get penilised and the people like us on here go BR so the banks suffer and serves them right for being so greedy. and spread betting too....

tech2

MicheH · 13 January 2010 at 7:35PM

tech2 be careful. 'These people' are just like you and I but with children, many of them. £20000 in benefits WOAH, that's what you're thinking right? Well no, tax credits, family's who work get some tax credits, low earners and medium earners get tax credits, earners who work also get help with childcare costs.. it's all benefits but not in the 'old fashioned' sense of layabout dole waller.

I would hate to see this thread being moved off topic as the OP really needs all those who are in the know to help with their SOA.

Tinytim · 13 January 2010 at 7:53PM

Hi tech2,

I have sympathy with the way you feel about banks, my business failed and 11 people lost their livlihoods as a direct result of their actions.

However, we have to bear in mind that there are many many reasons why someone would declare BR, and it would be wrong for us to assume that everyone came here because their borrowings have got out of hand. In my particular case, my borrowings were out of hand, but I, like many others, were oblivious of this until my source of income stopped. Had my income continued, I would quite probably be still making the minimum payments each month happy with the false sense of security I had lulled myself into.

What I am trying to say is thatwe do not know the full background to each poster, and therefore it is dangerous to assume that the credit they have was not taken in much better times. I currently earn very little and survive on tax credits, but this was not always the case. All my credit was taken when my circumstances were very different to what they are now.

The reasons behind the banking crisis were/are very complex and varied. However the biggest mistake most of us made was the false assumption that banks were somehow social benefactors. Banks have only ever been businesses who operate to create wealth for their shareholders, and we have been given a stark reminder of this over the last couple of years.

It may be that our investment in some of the banks may prove to be a good investment in years to come, as was the case when Sweden had to support their banking system some years ago.

dojoman · 13 January 2010 at 7:59PM

MicheH wrote: »

tech2 be careful. 'These people' are just like you and I but with children, many of them. £20000 in benefits WOAH, that's what you're thinking right? Well no, tax credits, family's who work get some tax credits, low earners and medium earners get tax credits, earners who work also get help with childcare costs.. it's all benefits but not in the 'old fashioned' sense of layabout dole waller.

I would hate to see this thread being moved off topic as the OP really needs all those who are in the know to help with their SOA.

Well said Miche, only post if you have something helpful or supportive, that is my motto anyway.

TDMum · 13 January 2010 at 8:11PM

Wasn't meant as a horror smiley was meant as a shocked smiley to bring the OP's attention to the figure as I am sure it was a typo. I had put are you sure not £2000 per month (as I think someone had asked for the monthly figure) but for some reason that hasn't shown up. Apologies for any offence taken as none was intended!!!!

tech2_2 · 13 January 2010 at 8:42PM

Sorry everybody did not mean it in a nasty way to this person I was refering to the BANKS who haven given out so much credit even to those that are on a benifit especially of this magnitude

I hope I have not upset any one this was not what I was meaning to do

Sorry All

Tech2

burnmount · 13 January 2010 at 9:57PM

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