Tax credits have left us with nothing

donny909

So if the op were to take on extra hours as some suggest they would loose the tax credits anyways right?, or not. If she would loose the tax credits just how many more hours if say at minimum wage would she at the minimum need to work to offset the difference?.

But am I right in noting the op has a car to run and pay for?, how important is that for her over feeding her kids. Can she not get to work using public transport or sharing the cost with another driver\ non driver?. At the average I'd guess it's what £90 per month minimum to run a car?. And how much would a monthly ticket for a bus cost? That's something she can change to save a little each week.

get_me_out

Sadly this is all to common, families using the tax credits to balance their outgoings. Problem is when the tax credits stop and no provision has been made.

I have friends who will lose alot when their eldest leaves six form collage for Uni next year. Tax credits will drop right down.

I have the same when my eldest leaves next year. But I'm learning to drive so I can go self employed dog grooming, by then. So I can work around my hubbys shifts and still care for my autistic son. So tax credits are helping me to improve things for us as a family. Plus support my eldest through Uni.

kurjam

i just want to wish citymum good luck in whatever happens, it must be tough for you.......

Deepmistrust

get_me_out wrote: »

Sadly this is all to common, families using the tax credits to balance their outgoings. Problem is when the tax credits stop and no provision has been made. People only rely on the tax credits they are perfectly entitled too. The OP IS entitled to tax credits. Her issue seems to be with the time it is taking to sort her claim out.

I have friends who will lose alot when their eldest leaves six form collage to the family finances if they are still living at home (and if they are not, well their outgoings will be reduced anyway). for Uni next year. Tax credits will drop right down.
True, but in theory at least, the eldest will be in a position to contribute


I have the same when my eldest leaves next year. But I'm learning to drive so I can go self employed dog grooming, by then. So I can work around my hubbys shifts and still care for my autistic son. So tax credits are helping me to improve things for us as a family. Plus support my eldest through Uni.

It's fortunate that you are in a financial situation where up till now only 1 wage was needed to support a family. Sadly, that's not the case for many families.

donny909

Loose the car and use the money spent on that on the kids instead. What was she using to run the car btw, not the tax credits by any chance was it as it cant be what she was earning as she would be working for nothing?.

wireframe_2

UnderPressure wrote: »

Sorri iv ther ar ani tipoz not enuf tim to chek everithin an mak suur mi pozts ar granatikali corekt!

Don't be silly. There's only one person whose spelling I've corrected. I just made a suggestion to NextYearTina, and I wasn't the only one. Please try not to undermine genuine posts offering helpful advice.
It wasn't a demand, it was a friendly suggestion.

UnderPressure

donny909 wrote: »

Loose the car and use the money spent on that on the kids instead. What was she using to run the car btw, not the tax credits by any chance was it as it cant be what she was earning as she would be working for nothing?.

Maybe the OP needs the car to get to work? For some families (not all granted) a car is a neccesity rather than a luxury, I live in a very rural area and to get to the local town say 3 times a week would cost more in bus fares than it does to run my car. (seriously bus's where I live in Wales cost an absolute arm and a leg, £10 return into the local town for 2 adults and 2 children)

Gine are the days of cars being classed as a luxury item, for "some" families they are truly necessary to have any kind of quality of life....................

mitchaa

All this will end eventually. Children do not stay children, they will grow up and their entitlement to CB and CTC will cease.

That is when sh*t will hit the fan with a lot of families. How are they going to manage a huge drop in income?

Deepmistrust

UnderPressure wrote: »

Maybe the OP needs the car to get to work? For some families (not all granted) a car is a neccesity rather than a luxury, I live in a very rural area and to get to the local town say 3 times a week would cost more in bus fares than it does to run my car. (seriously bus's where I live in Wales cost an absolute arm and a leg, £10 return into the local town for 2 adults and 2 children)

Gine are the days of cars being classed as a luxury item, for "some" families they are truly necessary to have any kind of quality of life....................

That is very true. In fact I recall reading the government has now declared mobile phones to be an essential as opposed to a luxury nowadays too.

I live in a semi-rural area too. In fact, there are some places you can get a bus too, but not back again:(

I guess that's what happens as civilizations advance.

Deepmistrust

mitchaa wrote: »

All this will end eventually. Children do not stay children, they will grow up and their entitlement to CB and CTC will cease.

That is when sh*t will hit the fan with a lot of families. How are they going to manage a huge drop in income?

When kids grow up, they (in theory at least) contribute accordingly. So what a family loses in WTC (etc), then assuming the child stays at home - it's up to the 'child' to pay their keep to their parents.