Children without jobs

Jowo_2

To the OP - after you've checked the figures on the Turn2us online benefit checker, come back to the forum and let us know how much LHA, tax credits and child benefit (and EMA if this applies) your household loses and how much is gained in JSA and council tax benefit.

I do get the impression from other posts that generally the loss of child/educational related benefits is greater than the unemployment related benefits which they switch to when children transition from being dependents to non-dependents and haven't yet found work.

jennie65

karenx wrote: »

Sorry to sound harsh, but you knew this day would come one day. What have you done to prepare for it?

When you live on a fairly tight budget week to week there is not a lot of chance to do anything. I have been on the council "waiting list" for 7 years but they have repeatedly refused to house us. I was once told that i did myself no favours by working and being such a good parent, that I would have more points if i did not work, lived on benefits and had disturbed children - go figure.

But sorry refuse to sacrifice my dignity and self respect and give up a job i love. It pays well £18k is good just not good enough in my area to buy your own home and when four fifths of your salary goes on rent then it leaves not too much for extras.

I am still praying for my miracle. There is still time.

RAS

jennie65 wrote: »

Laura was going to go to Uni but has changed her mind, and am sure its because she knows the financial burden would be too much when we need her to work so badly. Ive told her to go and that i will downsize to a smaller house and sleep on the couch when she is home. Their future is what is important and not making them homeless is a priority right now and i am not sure how to do that once I lose the tax credits and child benefit.

Hi

Can I sugest the Laurs rethinks her options? She will get her fees paid (albeit by a loan) which is only repayable once she earns a reasonabkle income.

Given your income, she will get a maximum grant of about £3000 plus a bursary from her university, which never has to be repaid, and a top-up loan. She could also get a student loan (about £2,400) I think, given your income. That is over £100 per week. She would be exempt for CT.

On top of this, any part-time or holiday work she gets would not affect either her grant or loan situation.

She might be best talking to a Student Finance advisor at a local university to get advice.

Jowo_2

jennie65 wrote: »

...It pays well £18k is good just not good enough in my area to buy your own home and when four fifths of your salary goes on rent then it leaves not too much for extras.

You net approx £1100 -200 per month salary on an 18k so £750 rent is not ..80% and you have not factored in your other income in the form of tax credits, local housing allowance, child benefit, council tax rebate and so forth.

Nobody is saying you are wealthy but you have asked multiple virtually identical questions in the past about what happens to your benefit entitlement when your children are not in education and received correspondingly similar similar responses to this.

https://forums.moneysavingexpert.com/discussion/2025389

do you have any outstanding specific benefit queries?

SingleSue

gravitytolls wrote: »

Eldest DS is 21, doesn't live with us, but he's still our child, not our adult.:D

I am 40, my brother 43 and my sister 34....my parents still us the children, a concept my children (17,14,12) can't quite understand :rotfl:

jennie65

Jowo wrote: »

You net approx £1100 -200 per month salary on an 18k so £750 rent is not ..80% and you have not factored in your other income in the form of tax credits, local housing allowance, child benefit, council tax rebate and so forth.

Nobody is saying you are wealthy but you have asked multiple virtually identical questions in the past about what happens to your benefit entitlement when your children are not in education and received correspondingly similar similar responses to this.

https://forums.moneysavingexpert.com/discussion/2025389

do you have any outstanding specific benefit queries?

Still not found an answer.

MrsE_2

jennie65 wrote: »

Still not found an answer.

Ask the housing benefits office.

That way you will get the correct answer for your circumstances.

But you have till the summer before they leave don't you?

Oxford is an affluent home county so they should find work easily enough surely?

RAS

jennie65 wrote: »

Still not found an answer.

jennie

1. The answer is that you are going to face financial difficulties, although not as bad as you seem to think. Repeated threads are not going to change the answer.

2. Fortunately you are at least aware of this, becasue a lot of partents come on here 6-12 months after it happened and are in a major mess.

3. You NEED to put your figures, for yourself plus two dependant adults, yourself and one dependent adult and one student, yourself, two low income workers and yourself and one dependant adult and a low incoem worker into www.turn2us.org.uk. What happens in all 4 scenarios.

4. You also need to accept that in a year or two, your "children" will have flown the nest and you will need to down-size. Given your work hours, you may even be entitled to LHA support then, but at least your costs will be reduced.

And yes it is tough on kids from low income single parent families when they leave education because they do not have the luxery of dossing around for a year or two learning to be adluts; they have to pick up and run immediately.

Indie_Kid

Jowo wrote: »

council tax rebate

Is it possible for the OP to be entitled to CTB and her child to be entitled to the second adult rebate? Providing they meet the income thresholds, that is.

DaisyFlower

Jowo wrote: »

You net approx £1100 -200 per month salary on an 18k so £750 rent is not ..80% and you have not factored in your other income in the form of tax credits, local housing allowance, child benefit, council tax rebate and so forth.

Nobody is saying you are wealthy but you have asked multiple virtually identical questions in the past about what happens to your benefit entitlement when your children are not in education and received correspondingly similar similar responses to this.

https://forums.moneysavingexpert.com/discussion/2025389

do you have any outstanding specific benefit queries?

Given the other post was 2009, it would appear nothing has changed and the answers are the same.

You needed to have used the time wisely rather than wait and hope benefits would be paid, you knew the day would come when all the child related benefits would stop. If you couldnt live without this loss of income then you needed to change something. Both your children are adults so you could downsize and make do for the short while until they leave home. Both of them could have looked for evening and weekend jobs or yourself could have looked for a second job.

If both go onto JSA then they can pay you that for their keep and keep a small amount back for travelling to interviews if needed.