How can i survive on £39.25 per week from the Social?

Oldernotwiser

cit_k wrote: »

On the contrary, the young person, could be living with parents who are working, the young person is not going to be eligible for any housing benefit are they... The parents would be paying the rent, at worst, the kid may contribute a bit money, but not always.

Clothing for youngsters is a regular expense, they are pretty fashion conscious, and you were clearly making out they were living a good life on the benefits...

I was certainly not suggesting that anyone was living " the good life" on benefits but you cannot argue that clothing's a regular expense just because someone's young and fashion conscious!

Indie_Kid

Oldernotwiser wrote: »

I was certainly not suggesting that anyone was living " the good life" on benefits but you cannot argue that clothing's a regular expense just because someone's young and fashion conscious!

I agree. I bought clothes when and only when I need them - not want them.

daviecol

Oldernotwiser wrote: »

But you don't pay the mortgage and council tax out of JSA and you obviously have to cut down on utilities!

Sorry so how do you pay the mortgage and council tax? Also home buildings and contents insurance, life insurance etc..etc. Or when you lose your job do you just not bother with those things?

My point being a basic JSA benefit won't even cover the basics, the only answer is to get a job ASAP. Unless you fall in the bracket where you get Child Tax Credit, housing benefit, disability allowance and so on your knackered.

Indie_Kid

daviecol wrote: »

Sorry so how do you pay the mortgage and council tax? Also home buildings and contents insurance, life insurance etc..etc. Or when you lose your job do you just not bother with those things?

My point being a basic JSA benefit won't even cover the basics, the only answer is to get a job ASAP. Unless you fall in the bracket where you get Child Tax Credit, housing benefit, disability allowance and so on your knackered.

You can apply for help with council tax and help with mortgage interest.

eamon

Going back to the OP. He is in an almost Catch 22 situation and in the one of the worst positions. He is a home owner with a mortgage. The state assumes that home owners are self incentivized to take care of and manage their own finances. If he lived in rented accommodation (social or private) he would have less worries as the state would eventually step in.
I would think that is options are limited, appeal against the JS+ decision and hope that he is successful, unfortunately that still doesn't solve his mortgage or other bills problem. Get a new job quickly. Sell up, but there couldn't be a worse time to be trying this approach.

Oldernotwiser

daviecol wrote: »

Sorry so how do you pay the mortgage and council tax? Also home buildings and contents insurance, life insurance etc..etc. Or when you lose your job do you just not bother with those things?

My point being a basic JSA benefit won't even cover the basics, the only answer is to get a job ASAP. Unless you fall in the bracket where you get Child Tax Credit, housing benefit, disability allowance and so on your knackered.

There are separate benefits to cover mortgage/rent/CB.

JSA will cover the basics (food/utilites) and you have to make your own decision as to your priorities for the rest.

Oldernotwiser

eamon wrote: »

Going back to the OP. He is in an almost Catch 22 situation and in the one of the worst positions. He is a home owner with a mortgage. The state assumes that home owners are self incentivized to take care of and manage their own finances. If he lived in rented accommodation (social or private) he would have less worries as the state would eventually step in.
I would think that is options are limited, appeal against the JS+ decision and hope that he is successful, unfortunately that still doesn't solve his mortgage or other bills problem. Get a new job quickly. Sell up, but there couldn't be a worse time to be trying this approach.

You have misunderstood the situation. The OP has applied to get his mortgage interest paid so there should be no reason for him to lose his home.

murtle1981

Oldernotwiser wrote: »

You have misunderstood the situation. The OP has applied to get his mortgage interest paid so there should be no reason for him to lose his home.

If he has applied for that and everythings gone through ok, thats a weight off his mind at least isnt it? I sympathise with anyone who is in the same situation as the OP, i really do. Living on 40 quid a week cannot be nice, especially with the cost of living these days but hey, you gotta battle on and make sacrifices until you get back on your feet.

amber1979

Oldernotwiser wrote: »

I said, "except in an emergency".

I don't think many people would go for regular dental check ups or choose to buy new glasses in the (maximum) 26 weeks of a sanction when on £40. When on JSA long term, then obviously one would budget for this out of the higher payments you receive.

If you do not go to the dentist regularly, you end up losing teeth. Maintaince healthcare is just as important as emergency treatment.

SilverFoxe

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