moving in with partner

Gemma_B

hiya everyone .. please dont judge me just here for advise

well at moment
im 'single' mum of 2.
cuurently get the usual benefits.

however 2 years ago met a guy, and always been talk living together but after passed relationship i like security of my own house so to speak... but its in a not so good area.

anyway.
he lives in a rented accomadation and as a car finance (this is reason i never moved in sooner) as he lives as a real 'lad'

he's on 24k a year but after tax etc he comes out with around 19000 a year - which i know noone takes in consideration

anyway sorry for babbling - but if i move in with him what would i lose? gain?

in september my youngest goes to school full time and im hoping fingers crossed to get some kind of part time job.

ive tried various sites but not really getting any infomation as some test i done says i get loads of tax credits which im aware i hardly get any?

what things would change?
income support - i know goes and im okay with
child tax credits - ?
child benefit - ?
free dentist and prescriptions - ?

my partner pays for all his presrciptions and eye test etc, and part of me is worried he'll feel like hes paying to keep me until i find a job and just worried im going to be asking to borrow money all time.

i know i sound silly but i know how hard it is to find a school time job and preparing for worse.

welshmoneylover

Gemma_B wrote: »

hiya everyone .. please dont judge me just here for advise

well at moment
im 'single' mum of 2.
cuurently get the usual benefits.

however 2 years ago met a guy, and always been talk living together but after passed relationship i like security of my own house so to speak... but its in a not so good area.

anyway.
he lives in a rented accomadation and as a car finance (this is reason i never moved in sooner) as he lives as a real 'lad'

he's on 24k a year but after tax etc he comes out with around 19000 a year - which i know noone takes in consideration

anyway sorry for babbling - but if i move in with him what would i lose? gain?

in september my youngest goes to school full time and im hoping fingers crossed to get some kind of part time job.

ive tried various sites but not really getting any infomation as some test i done says i get loads of tax credits which im aware i hardly get any?

what things would change?
income support - i know goes and im okay with
child tax credits - ?
child benefit - ?
free dentist and prescriptions - ?

my partner pays for all his presrciptions and eye test etc, and part of me is worried he'll feel like hes paying to keep me until i find a job and just worried im going to be asking to borrow money all time.

i know i sound silly but i know how hard it is to find a school time job and preparing for worse.

Have you actually sat down with him and discussed how your finances will be shared if you move in together?

If you are in any doubt or concerned about anything, I'd give it a wide berth for say 6 months before moving in. Once you give up your own place you might find it difficult to get back.

Good luck.

Gemma_B

we spoke last year about it all he was on less then.
i was really worried and decided not to at last minute.

we spoke and tried to work bills out but i wasnt sure what i could bring to table and felt guilty ... when we did it i just deleted the income support and we worked out combined we'd have £260 left over per month - which was my child benefit and tax credit (which im not even sure i will still get) .... at minute he shares his house with 2 of his mates.. 1 of which is moving in with his girlfriend and the other his going traveling.. so he dont have to pay all the bills alone.
sso since i decided not to we been fine, but its come to the now or never talk we're he alone cant afford to live alone... i know i sound really bad wanting live on benefits it really isnt that.. i have every intention looking for work come september, but i know miracles dont happen over night, and alot of people have more experience than me.

karenx

You will lose your income support, child benefit will stay the same. And your child tax credits will change poss less. You will need to change your single tax credits claim to a joint one where his income is taken into account.
But think about how much you's will save with no 2 phone bills, electricity bills etc etc.

Gemma_B

heres our list: (i hope not to personal)

525 - rent and tax ( rented accom combines)
126 - gas/elec
250 - car finance
250 car insurence (points and age )
180 - petrol (works quite far)
12.12 - tv
41.40 - water
6.50 - pet insurenence
20 - contact lences
240 - p/m food shopping (works out around £60 a week kids and his pack up and food meals)
50 - credit card bill
40 - sky
40 - internet and phone

yikes..........

zagfles

Gemma_B wrote: »

hiya everyone .. please dont judge me just here for advise

well at moment
im 'single' mum of 2.
cuurently get the usual benefits.

however 2 years ago met a guy, and always been talk living together but after passed relationship i like security of my own house so to speak... but its in a not so good area.

anyway.
he lives in a rented accomadation and as a car finance (this is reason i never moved in sooner) as he lives as a real 'lad'

he's on 24k a year but after tax etc he comes out with around 19000 a year - which i know noone takes in consideration

anyway sorry for babbling - but if i move in with him what would i lose? gain?

in september my youngest goes to school full time and im hoping fingers crossed to get some kind of part time job.

ive tried various sites but not really getting any infomation as some test i done says i get loads of tax credits which im aware i hardly get any?

what things would change?
income support - i know goes and im okay with
child tax credits - ?
child benefit - ?
free dentist and prescriptions - ?

my partner pays for all his presrciptions and eye test etc, and part of me is worried he'll feel like hes paying to keep me until i find a job and just worried im going to be asking to borrow money all time.

i know i sound silly but i know how hard it is to find a school time job and preparing for worse.

You'll lose IS.
You'll lose free dentist and prescriptions.
You'll keep child benefit.
You'll get less CTC (probably around £45 per week less)
You'll lose free school meals (assume you're entitled now?)
You'll probably lose council tax benefit if you get that.
If you get housing benefit that'll be reduced or even lost completely.
If you get SMI (mortgage interest) you'll lose that.

Jowo_2

Download the full budget planner on the free tools section of MSE. The debt free wanabee board is very good at suggesting savings. Work through MSE to find the best tariffs, money saivng tips and so on the forums and general site.

You can model the scenarios (before and after moving intogether and with part time employment) on the Turn2us online benefit calculator.

A non-working single parent with 2 kids generally gets approx £200 pw in benefits (excluding council tax and housing benefit) -approx £65 IS, £34 child benefit, £98 tax credits.

DX2

Gemma_B wrote: »

heres our list: (i hope not to personal)

525 - rent and tax ( rented accom combines)
126 - gas/elec
250 - car finance
250 car insurence (points and age )
180 - petrol (works quite far)
Car and costs, Madness! There has to be a cheaper way
12.12 - tv
41.40 - water Seem's a lot?
6.50 - pet insurenence
20 - contact lences Glasses any cheaper?
240 - p/m food shopping (works out around £60 a week kids and his pack up and food meals)
50 - credit card bill
40 - sky Is this really necessary?
40 - internet and phone Cheaper package, do sky not do internet, phone and broadband for £20 pm?

yikes..........

£680 per month for the pleasure of having/running a car :eek:

karenx

Wel get rid of the car for a start and you will be way better off.
Get a cheap banger if a car is really needed

Gemma_B

he only as around 18 months left on the car and its payed otherwise he would had lost all money he as payed into it.
trust me i've tried getting rid of that but he says he needs a reliable car for miles he as to drive per week, and when he brough cheap cars they never made it through MOT.

and yes Sky can go as freeview is just as good
and i know sounds vain but its a confidence thing with his contacts....
and internet is needed as sometimes he as to work from home if theres an emergency, which also needs a phone line.
sadly insurence hes got it cheapest he can, and diesel just keeps going up and cant be helped with miles to work.

i know i made mistakes having my children first and trust me i didnt plan for it to be this way at all.
I'll do anything to get a job that fits in around them and tried alot, i even tried buying and selling online and didnt make enough, done avon and when people dont give books back they charge you and when noone was buying i was giving out more money than getting had a cleaning job but had too much time off when son was sick and meant had too quit.

i know many of mums manage it, but i have no qualifications and if someone cleverer than me walks into a job with no children then i go for same job and i have children even my job adviser says its hard to get back into work!

at moment im currently volunteering at surestart centre 3 days a week to try get my cv looking a little better, but obviously not payed so no better of for money.

DaisyFlower

A family of 4 can easily survive on a salary of 24k. You'd still get a small amount of tax credits, two lots of child benefit and maintainance from the childrens dad.

You trained in hairdressing so could easily get work, either for an employer of self employed. Tax credits would help towards the cost of childcare most likely. You volunteer for three days a week so childcare is not too much of an issue anyway.

Given you are engaged, i'm not sure the DWP would see you as a "single parent".