Really need some advice

R0bert_Sterling

smj43 wrote: »

What else can I do? .

Live within your means should be a good start.

Nobody owes you a life paying £1,300 a Month in rent, nobody!!

You feel you deserve, or are owed that lifestyle without bothering to earn it first.

Tell me, when you do find a job which supports £1,300 per month rent, will you offer to repay all that benefit money, or will you continue trying to claim it??

Deep_In_Debt

smj43 wrote: »

That's not fair. I work full time and study part time. I have NO spare time. I work my a*se off and I get hardly anything for it. Why shouldn't I claim benefits? What else can I do? Until I get a better job, I have no choice. Stop being so judgemental.

And in reply to the people pointing out that we won't receive the 2 bedroom rate until the baby is born, I know. I'm not planning to move till afterwards.

I work my backside off too...have no spare time either...and get absolutely nothing and expect nothing.

More fool me I guess...

KPR11

Can you seriously get £1,300 per month in housing benefits? That's more than my current wage!!! :eek:

izzybusy23

smj43 wrote: »

You mean a week right? I wish it was a month.

I have worked out that if I sell most of what I own and save £500 a month plus the £690 grant we can get, I will have enough by January. Only problem now is finding a landlord that will accept LHA tenants.

When you did the entitledto quotation; did you do it on just 2 adults, or 2 adults and a child under 1? Don't forget, once the baby is here you should get an additional £100 for the baby for the first year and £80 a month child benefit.

And as for finding a landlord to take HB.. don't tell them. You are working and a private tenant; the HB can be paid to you direct and the landlord doesn't need to know. The only time I think they need to be advised is if you went on benefits 100% as that could affect their insurance (or so I read).

izzybusy23

R0bert_Sterling wrote: »

That demonstrates exactly what is so wrong in this World.

The sooner the Benefit culture stops the better for us all....bring it on.

Thats not a very helpful comment now is it? If it wasn't for the pure greed of this country and house prices; speculators and BTL'ers pushing up house prices, then maybe this 18 year old could afford to get a rental or even a mortgage without having to bankrupt himself. So I am sorry; if you have to get LHA because that is the only way to provide for yourself and your family then I am all for it. The only way round this is for interest rates to rise and house prices to crash back down to a normal level of affordity = less people claiming LHA. Simple really. I bet you have a house with lots of equity in it due to rising house prices.. if you do then you have no right to complain about others not being able to get on the property ladder and having no option but to turn to LHA. The government have allowed this crazy mess to get out of hand which means they have to pick up the pieces.

Edited to day, I do think £1300 a month is OTT regarding rent; but as I don't live in London I can't comment really.

KPR11

izzybusy23 wrote: »

if you have to get LHA because that is the only way to provide for yourself and your family then I am all for it.

IMHO there is nothing wrong with seeking help from LHA but I also do think that £1,300 pm in rent is excessive (even for London).

I know for a fact that you can rent a 2 bed flat in one of the better parts of London for £800 to £900 (the area in question is Hatch end / Pinner - http://www.upmystreet.com/local/neighbours-in-ha5.html

http://www.rightmove.co.uk/property-to-rent/find.html?locationIdentifier=REGION%5E1070&sortByPriceDescending=false&maxPrice=1250&minBedrooms=2)

smj43

KPR11 wrote: »

IMHO there is nothing wrong with seeking help from LHA but I also do think that £1,300 pm in rent is excessive (even for London).

I know for a fact that you can rent a 2 bed flat in one of the better parts of London for £800 to £900 (the area in question is Hatch end / Pinner - http://www.upmystreet.com/local/neighbours-in-ha5.html

http://www.rightmove.co.uk/property-to-rent/find.html?locationIdentifier=REGION%5E1070&sortByPriceDescending=false&maxPrice=1250&minBedrooms=2)

The place you are reffering to is in Middlesex and is around 20 miles from where I work.

The council tax is around £1300 compared to £606 in Wandsworth (where I work). Not to mention how much extra I would have to pay for travel.

It's just not viable.

TUS

smj43 wrote: »

The place you are reffering to is in Middlesex and is around 20 miles from where I work.

The council tax is around £1300 compared to £606 in Wandsworth (where I work). Not to mention how much extra I would have to pay for travel.

It's just not viable.

OK, what about: http://www.rightmove.co.uk/property-to-rent/property-24192439.html

£750pm in Norbury. Not that far from Wandsworth - within cycling distance for free travel!

Or even this: http://www.rightmove.co.uk/property-to-rent/property-15575916.html

PaisleyPPL

http://www.rightmove.co.uk/property-to-rent/property-25840762.html?showcase=true

how about this place, if your going to get benefit to cover it why not go crazy

KPR11

smj43 wrote: »

The place you are reffering to is in Middlesex and is around 20 miles from where I work.

The council tax is around £1300 compared to £606 in Wandsworth (where I work). Not to mention how much extra I would have to pay for travel.

It's just not viable.

I was just giving you an example. However, for argument sake even if you do take it up and commute like most Londoners (the commute is c1 hour, which I personally think is reasonable) then the added cost of council tax £694 pa equates to an additional £57.83 pm and the cost of travel zone 1 to 5 is £169 pm, I will give you the benefit of the doubt and say you need zone 1 to 6 which is £182.80 pm the additional cost is £240.63. Using an average monthly rent of £850, that gives you a grand total of £1,141.13. (Calculation is Rent - £850 + CT - £108.33 + Travel - £182.80)

Now assuming you go for the £1,300 pm property. Your council tax is £50.50 and you will have a bus pass to pay for which is £63.80 pm but I will give you the benefit of the doubt and assume you will walk it to work so no travel cost. Your total cost (rent + council tax) is £1,350.50.

That gives [STRIKE]you[/STRIKE] us the taxpayers a net saving of £209.37 per month which is a great £2,512.40 per year. I really would not like to go into how many hours I had to toil to pay that sort of tax in order to give you a lifestyle that you seem to think the society owes you and most certainly deem to be your birth right.

Please do bear in mind that for every pound of tax wasted is not just costing me and others but also costing you personally. The money that is claimed has to come from somewhere, that somewhere is through tax either nationally or locally in the form of higher council tax. So the more you claim, the more the taxes are bound to go up by. I do hope that you bear in mind when you are looking at properties.

PS: I forgot to congratulate you in my earlier post, congratulations. I do wish you well and hope things work out for you, good luck!