Benefits for working families

viktory

ceejaydee23 wrote: »

Call it old fashioned but early years care should be by a childs mother!

A lovely idea - but you can't afford it. The tax payer will not (thankfully) pay for your lifestyle choice to stay at home.

You are far too determined to blame everyone else for your situation. Time to stop apportioning blame and start looking for solutions.

Oldernotwiser

Unless you stop making excuses as to why you shouldn't earn some money, your financial situation will remain dire.

The choice is yours.

ceejaydee23

We only upgraded in November cos the other half wanted to make use of HD with our TV! everything crashed at the same time, we did things at the wrong time, YES we owe money, we borrowed it we need to pay it back, we dont dispute that. BUT maybe i am too soft on my other half .

I've said to my other half, that maybe i have no choice but to seek work again. But the physical idea of leaving my little man only just a year old with anyone makes me feel ill. I mean he even crys when i just nip upstairs to go to the loo!

Yes between us we do, Most although in my name, have been through both of us spending, me bailing out a car finance we got a few years ago (when we were both working) and a couple of holidays, bought for on the creditcards, So over the years the payments to the credit cards became less n less to only minimum payments, in the hope once the PL was paid off (28 payments time) we would then split that between the CC's.

We have just been blinkered, things were being paid, so we didnt see a problem, until NOW! Over the years the cut backs we have already made have been big, BUT now its got bigger then us.

Other half has applied for promotion at work, which might if lucky bring in an extra £100 a month (if he gets it) as there are only 2 contenders.



(but i'm now going to close this off, as its become completely off topic as that kind of statement could have been made on my SOA thread not this one! )

welshmoneylover wrote: »

Wow just read your SOA.

Do you really pay £95 for satellite TV each month?

No wonder you're in debt, having a champagne lifestyle on lemonade money is asking for trouble isn't it?

It seems you have considerable debts before the council 'messed' your payments up, you really do need to take a step back and ask yourself if you really do need an expensive satellite package and mobile phone contract.
[STRIKE]Then you got the cheek to come on these boards and ask for more free money from the tax payer.[/STRIKE]

Oldernotwiser

ceejaydee23 wrote: »

I've said to my other half, that maybe i have no choice but to seek work again. But the physical idea of leaving my little man only just a year old with anyone makes me feel ill. I mean he even crys when i just nip upstairs to go to the loo!

You seem to feel ill a lot when you think of getting a job don't you? Either the baby cries or it gets dark - just one darn thing after another!

(I know, what about getting a job working at the weekend; husband has kids, light all day?)

Hammyman

Echo other sentiments. You're only in the position you're in due to your own personal choices. You are not entitled to any help other than CTC and WTC.

You will remain in the position you're in as long as you choose not to change.

SingleSue

Ceejaydee, it may seem a little eeek having to go to work when it is not light, I must admit, it gave me the heebies (especially when it was icy or snowy) but it really sounds like a needs must sort of thing.

You need more money, there is no extra money you can claim, ergo, you need to somehow get over your fear of being out in the darkness to do some extra hours. This also has the bonus of you being there for your child during the day, giving you some independence, improving the family situation and getting away from the evil of having to rely on top up benefits.

It could also help in future years when your child goes to school with getting daytime hours as you will have proven you can juggle work and child rearing...and no big gaps in the CV.

It wouldn't be easy in the beginning (I have been there and done it), you would probably lose some tax credits but it would be worth it in the end....even £10 or £20 a week extra over what you was receiving via tax credits before can make the difference between struggling badly or just about scaping along.

Fortune favours the brave as they say!

keelni

Putting bins out in the dark also gives me the jeebies but that dosen't stop me working nights 10pm to 7am.
I have 3 children and the thought of leaving them with strangers when they were babies also made me feel ill that's why I work nights dh is there to look after them in the nights.
It was hard when the two youngest weren't in school but I had no choice had to pay my taxes so others can have £95 TV packages.

iwanttosavemoney2008

I am in almost the same situation as you, I have debts, my DH works we receive CTC and WTC, although I can not work full time as we can't afford the childcare, and my DH work hours make it impossible for me to get shifts that I can do, I still went out and got myself a job working in a pizza shop one night a week (Saturdays the only possible day for me to do it). This money although only £30 a week makes a huge difference in our finances. You should think about doing something along these lines because there are no benefits you could apply for. Plus it would cause so much out cry if someone in your situation was to receive extra money for nothing.

I haven't read you SOA and so can't comment on it.

ceejaydee23

Well thankfully as commented on someone elses thread i went to cab 2day, it seems there is some scope regarding the omission from the councils failure to have got my claim right to begin with.

Keelni i admire that, BUT how on earth does that give you time with your other half during the week? how did you sleep when your kids werent at school? Cos right now with a 1 year old, working nights would be completely impracticle.

Iwanttosavemoney2008 I will talk through that kind of thing with my other half, IF i could maybe get a few hours at one of the supermarkets during the day on a saturday or one of the shops in our town I wouldnt mind, IF the jobs are available, but obviously so far its not something i've been looking for so wouldnt know at the moment, BUT its got to be agreeable by the pair of us, esp if it means him coming out to pick me up again!

tomitma

My partner works full time, I currently am not working as i want to continue to help bring our son up like i did my daughter, then return to employment when he's a bit older probably when he's at a preschool or nursery


To be honest i couldnt do evening work, I dont know if its a confidence thing or what but just bringing the bin in the dark gives me the eebie jeebies! I was working part time before i left my job at the end of my maternity pay. as part time hours went i was good paid i was working for the fire service


I've said to my other half, that maybe i have no choice but to seek work again. But the physical idea of leaving my little man only just a year old with anyone makes me feel ill. I mean he even crys when i just nip upstairs to go to the loo!

To be honest we were not in a bad position until our Claim was messed up by the council, they got it wrong, by not including the paperwork id sent in for our CTC and WTC, so the whole calculation of claim was wrong, just took them 3 months to work this out, YES we had the debts, and not faulted on rent or the debts.

I had taken up being an avon rep in june last year (before my maternity pay ran out) *to do something* but over the last couple of months, before the panic of debts arose things changed at home, My daughter (9) had become unsettled in her new year group at school, and other then our son (1) the avon job was the only factor i could think of that was taking up so much of my time away from my family, I have now given this up


Part of the reason why we agreed for me to give up work was because of the expense of travelling to and from, having to cut my hours to get my son from where he was being looked after as i'm not a beleiver of putting young children into nurserys/childcare Call it old fashioned but early years care should be by a childs mother!

It is just one excuse after the other, I honestly can not see why you are asking for advice, as everything that has been said to you, out comes another excuse, you obviously are not going to get your self out of this mess until you stop blaming other people, and take stock of your self and your own failings.