single, working, low income, struggling

Indie_Kid

PasturesNew wrote: »

To get WTC you need to be ALL of the following:
- over 25
- living alone in self-contained accommodation
- working more than 30 hours/week
- earning less than about £13,500.

Because your friend is living with their parent, I doubt they'd qualify at any age because they're not living alone.

They don't have to be living alone. No idea where you got that from?

mitch161

Loopy_Girl wrote: »

From the man that is unemployed.

And on benefits.

her income is £600 a month and she lives in a shared house.. my income is £180 a month and i have to pay 100% electric 100% gas 100%water.

do you see me begging for more???nope.

i am looking for a new job as we speak

what i done was cut out on the luxuries and lived within my means. £45 a week! its possible, and even easier if your OP in shared occomodation halfing the bills.

i always imagine it that everyone lives on a desert island with no benefits. and they should always seek to survive alone with the basic essentials before shouting for help.

when i was working i could have claimed WTC, but i didnt.. i could have claimed HB reductions but i didnt. because i could live on my wage.

people think being entitled to it means they have a RIGHT to receive it.

no they are entitled to it if they truly fit into a certain category. and even the the review board checks to see if they are worthy of it. £600 is a low income. but not stavation level, its just not comfortable living. benefits are not suppose to be a 'get me rich' scheme.

your first concentration should be on getting yourself into better income. and then secondly, benefits when times become dier

HappyMJ

mitch161 wrote: »

£600 a month for over 30 hours a week.. thats below minimum wage. not sure if its a newly started up business but maybe its time to rethink the business plan, increase exposure, productlines etc.

suggested that last years income was more and didnt qualify for credits. i think concentrating on the business plan more then what benefits you can get are the way forward. plus if truly seeking another job to increase income. becareful getting another job after recieving WTC as it will bring into question actual working hours of current self employment. especially where earnings have become so low. if you have spare time to get second job then they may see it as if you might not be actually working over 30 hours

It's a profit of around £4.60 per hour. For a startup business that's a very good figure considering most make a loss in the first year. My small business only makes £1 per hour profit and I'm very happy with that.

sh1305 wrote: »

They don't have to be living alone. No idea where you got that from?

I don't remember ticking any boxes saying who I lived with..apart from a partner and children.

PasturesNew

sh1305 wrote: »

They don't have to be living alone. No idea where you got that from?

Dunno, always thought that was one of the rules.

If they didn't make it so hard to find, understand, work out what the rules were, I'd not get it wrong.

lilac_rainbow

mitch161 wrote: »

what i done was cut out on the luxuries and lived within my means. £45 a week! its possible, and even easier if your OP in shared occomodation halfing the bills.

i always imagine it that everyone lives on a desert island with no benefits. and they should always seek to survive alone with the basic essentials before shouting for help.

when i was working i could have claimed WTC, but i didnt.. i could have claimed HB reductions but i didnt. because i could live on my wage.

people think being entitled to it means they have a RIGHT to receive it.

She can't live on her wage, that's the point but this is not a person who would be looking for financial support if she could, she is really struggling

HappyMJ wrote: »

... most make a loss in the first year...

Would like to apologise, I made a mistake, the business is making a loss, she has taken on another job to pay her a wage

Loopy_Girl

mitch161 wrote: »

people think being entitled to it means they have a RIGHT to receive it.

And that is exactly what it does mean - if you are entitled then you have the right to apply for it and the right to receive it without abuse from people twittering on about desert islands?

I'm also amazed that you would choose to spend some of your £180 a month on a broadband connection

mitch161

Loopy_Girl wrote: »

And that is exactly what it does mean - if you are entitled then you have the right to apply for it and the right to receive it without abuse from people twittering on about desert islands?

I'm also amazed that you would choose to spend some of your £180 a month on a broadband connection

i dont im currently using a neighbours connection, with consent.

i am not trying to say to people to never take benefits if the need is just. but at the same time dont think that benefits are the only solution to a problem. i see too many people that when employed say 'i dont care if i insult the boss i could always go on benefits' when they could be saying, i dont like the boss i should look for another job.

i trying to help by allowing people to also think outside of the benefit box of other solutions to their financial problems, while others inform them of benefit possibilities.. thus giving two alternatives. expanding possibilities.

and as for businesses, everyone know wink wink nudge nudge that most businesses show as loss in first year to avoid huge tax payments and loan repayments. but if truly after investing money into company WITHOUT human resource expenses the business is at a loss then look into business plan.

my experience is in this field so i know the numbers and the business loopholes etc (hense my high morals)

last point. read a £10 note carefully. 'i promise to pay the bearer on demand the sum of £10' so everyone is entitled to demand £10 of £1 coins. but they do not have the RIGHT to receive these £1 coins for free. go to the bank of england and they would charge fee's for changing notes to coins (some do some dont, so dont knit pick certain banks) but its not a automatic RIGHT. entitled and Rights are two separate things.

i am entitled to have sex with whomever i wanted. but does that give me the RIGHT to demand sex from someone as im entitled to it, i think thats called rape. which i would not do. hope this last scenario explains the difference between entitled and rights.

i am here to help, but try doing it from a different side of the fence to give people more options, choices, things to think about.

anyone whom wants to know about why im sanctioned from JSA and now on hardship. its due to a constructive dismissal (still ongoing) with last employer which JSA without even asking deem as a standard resignation. i been dealt a hard hand and im living with it.