Husband maybe dismissed from work-advice please

Indie_Kid

mitch161 wrote: »

if i can live on £65 to pay gas electric, water rates, telephone and transport. and food.. then £20k is easy.

Do you pay a mortgage and council tax out of that £65 a week?

mitch161

sh1305 wrote: »

Do you pay a mortgage and council tax out of that £65 a week?

nope. i meant basic essentials can be cheap.

im on £3k a year based on my £65 a week.

the OP has £17k more then me atleast thats £1,500 a month more then me. That should cover the mortgage and council tax fine.

plus most mortgage company's have policies to let people pay 'just interest'

so worse comes to work instead of having to pay £500 for regular mortgage payments they can pay just couple hundred. and keep the mortgage ticking over quite nicely without worry of repossetion.

going from 2 peoples income down to one is a shock.. but my point is that its not a financial disaster.

while the money is coming in prepare self by pre paying some bills to give them a grace period. the only thing i can see the family will suffer from is stress.. so my advice was more aimed at stress relief as financial advice isnt yet the top problem in this OP's life.

but feel free to add financial advice to the OP as a EXTRA bit of support. i just feel they need to realise its not a disaster, to put their mind at ease, as thats what i feel they need to hear

[Deleted User]

Hi,

OP, in an earlier post you said husband was suspected of trawling company's customers, and that when they (customers) asked for him was told that he was no longer there.

So, if he does lose his job, what's to stop him do some real trawling, if the customers are asking for him then they must be happy with him and would gladly switch.

That would be a nice wee kick in teeth for 'ex' employer.

beckseven

Brilliant advice mitch-thank you so much for taking the time to post that-it has made me feel a lot better and able to prepare. Thanks frugalmcdougal for that-if all goes to pot why not! He had a bad night with panic attacks last night-i think it is more the fear of the unknown than anything else because he's worked for 20 years and although he has been made redundant before being possibly dismissed is something so immediate (and bad on your employment record) that it has been v stressful. he's got some beta blockers today because his heart rate is so high but i think that is because has a meeting today at work. We'll be fine thougih-I think it is human nature to panic!

chubbs1981

a few things. you mention child care? why if he loses his job would you need it at all? He can look after the kids. secondly if he is accused of poachign to work on the side then i'm assuming he is in some sort of trade job where he can do out of hours (9-5) work? if so he can still do the odd weekend and some evenings etc whatever fits around your hours for extra money. Think of this as an opportunity for more family time and a good auditing session of your life goals and needs.

I feed 2 on £34 a week (on a montly average) and we could easily shave £5 a week off that. Porridge, pasta, rice, pearl barely etc are all great. a sack of spuds is also ideal. tesco do 500g of mince for 1.59 with loads of onion and other veg and topped off with a thick layer of potato will feed a family of 4 very well for under a 5er.

Its only doom and gloom if you choose to view it as doom and gloom. you have 21k still thats nearly 3x more than myself and my GF get a year. Less money and less material lives can make you all happier if you choose to take the chances available. spend time with the kids see them grow up and engage with them you may never get the chance again

beckseven

Thanks chubbs1981-very wise words. I was just thinking about it last night that family is all important and we all have our health so this is just a small setback. Me and dh have been closer and have talked more than ever before. When I was on ML when i had dd last year I was absolutely brilliant at foodshopping and budgeting and spent about £50 a week on food, printing out the recipes from the OS board etc. However when I went back to work and also was following Weightwatchers I got worse and worse. We wouldnt need cc if dh lost his job-at the moment you have to have a kind of 'contract' with the nursery and i have one for 3 days but i works shifts and weekends so often get a lot of time off in the week so don't put my dd in nursery those days anyway as like you say time with kids is precious- I do appreciate that and I love my kids more than anything in the world. dont want to say too much about dh's job as obviously people could read this and put two and two together but weekend and out of hours work doesnt happen much in his line of work and because I work weekends as well-nights etc I need him to look after the children. Thanks for raising my spirits.

Cate1976

If your OH does get dismissed for something he hasn't done and can prove he hasn't done, then the first place should be CAB who'll be able to advise him on how to go about appealing his dismissal or taking employers to tribunal, they'll also be able to advise you on what tax credits you should be able to get. If one in a couple is working and using childcare, they can get help with the costs which miay mean. There's 2 types of tax credits, Child tax and working Tax, if you're working and paying childcare, it gets taken off one and paid through the other. Means you'll be able to keep using the childcare so that if your OH does get a new job soon, you won't have to look for that again.

yvonne13_2

OP I am so sorry to hear that you and your husband are feeling like your whole world is crashing around you at this time of year.

Try to remain positive until you hear what the outcome is.

I remember something similar happened to a man I used to work with. Everyday I used to see him sat in the park opposite work with his briefcase, laptop and sandwiches and he would be there all day. One day I asked my manager why he works in the park and not in the office and it was then when my manager said they let him go months ago and he goes to the park because he can't bear to tell his wife.

I can't tell you how I was feeling for the poor man but at least you are aware of what's going on so you can put something in place.

Yes there are a lot of people who earn alot less than you and survive but you were/are living of both wages which is a total different ball game.

I don't know why they think your husband has done this and I guess he doesn't either, but I believe that things happen for a reason so remain positive and no matter the outcome you take control and keep it.

Good luck

dawnlouise123

Hi,
Sorry to hear of your situation. I realise you may not need childcare soon but have you looked at reducing your childcare at all? When doing my sums, we found a childminder who was significantly cheaper than nursery. She has children after school as well - unsure of your childrens ages. She charges £4 an hour and that's including food. This may be slightly different depending on where you live. Also see if your employer can do the salary sacrifice where you pay for childcare before tax, that saves me £100 at least.

no-oneknowsme

Chris, I found your initial post very annoying. £21K might be an amazing salary for some, but for others, it isn't, that's just the way it is

.

I have to say that i agree with Chris on this one !

I havent read to the end of the thread so dont know if the OP's Husband has even received his disciplinary outcome but felt i had to post.

The OP says that she earns 21k plus shift allowance.

This is for herself , Husband and two kiddies.

My household has a rough income of 15k per year (thats mine+my Husbands income) , we have three teenage children and we manage quite well !

You live within your means and you get by.

OP, i think maybe you do need to calm down and accept that even with the loss of your Husbands wage you will not be "living on the breadline"