Me and DH have a different approach to money

burnoutbabe

but you can't claim JSA if you resigned from a job (unless under extreme circs). not for 6 months anyway.

Sambucus_Nigra

burnoutbabe wrote: »

but you can't claim JSA if you resigned from a job (unless under extreme circs). not for 6 months anyway.

But she resigned to go to another job that was withdrawn......

calleyw

burnoutbabe wrote: »

but you can't claim JSA if you resigned from a job (unless under extreme circs). not for 6 months anyway.

Each case is taken on it's merits.

And the op left a job to start another and it fell through.

Not the ops fault. As long as enough NI has been paid in the correct tax years. I can see no reason why the op would not get JSA.

Yours

Calley

RedBern

if you must take out a loan, why not see if there's a Credit Union in your area - the interest would be nothing like as high as you'd be paying with this other company.

Can't understand need to take out the loan and agree with earlier posters - you take out what you put in - if you're entitled to JSA then take it.

Blue_Monkey

I think there are a few different parts to this:

1. The loan
2. The credit cards
3. The way you both view your income
4. Your reluctance re JSA

Firstly, why is the loan needed? Is it really the only way to pay next months outgoings? Or is it so that you OH has some extra pocket money?

Second, the credit cards. Why exactly does he want to put things on them rather than using a current account?

Third, you really need to try and bridge the gap somehow between the way the two of you view his/your income. What do you think the best way of doing this is? Would he respond well to seeing the figures jotted down?

Finally, I do understand your reluctance re the JSA. I've never had to claim it myself and always say that I wouldn't unless really desperate. This attitude is cutting off my nose to spite my face, I know that. But easy for me to smugly say that now. I think the way you need to look at it is as a buffer. Put it in a separate account and don't touch it, leave it there just in case. Leave it there so that you and your kids have something to fall back on just in case. And hell if you don't use it, put it towards your kids uni or Xmas funds, or give it charity. I guess what I'm trying to say is that you should use that JSA to empower yourself, there is no shame in claiming it especially if you'll put it good use at some point.

Spendless

beasygirl wrote: »

Thank you for the comments, although I do still feel this thread has changed course.

I would just like to point out that we do not need to claim JSA as a family we cover all of our outgoings and this is not what this thread was about

My debt free date is as it is because I decided to take on part time work to look after my family. Not that I have to justify it but we are not in a terrible debt situation and will not be going bankrupt thank you very much!

A debt free journey is that, it is individual to each person, and it will take as long as it does. So shoot me for putting my families welfare before money.

I'm taken the comments on board, and I will be putting my foot down and not let DH take the loan, I've showed him the DFW boards and to put it lightly he has not had his lightbulb moment yet (hence my concern) but I suppose as I'm out of work I can use this time to tighten the purse strigs and do my bit to get us sorted.

The thing is, people have become fixated about you claiming JSA because it is the logical thing to do, based on the info you have given in this thread.

If there's something else to this eg if you can't claim JSA because you haven't paid enough contributions in the qualifying years for whatever reason or if you gave up your job without one to go to and the possibility of a p-time job came about afterwards then they changed their minds, then you need to tell us, so we are able to offer advice.

Have you informed tax credits about your change in family income as that might make a difference?

xangeleyes

Get your husband to read this thread lol. He'll see that this loan will only make you all suffer even more.
If you are struggiling to pay this months rent, then have a word with your landlord and come up with a play where you can pay a bit now and the rest at the end of the month OR can you not pay this month and then pay a bit extra on top of every months rent afterwards?

Can you not ask your previous job about part time work? Have you got a part time job yet?

Are there any other things at home that you can reduce? To save yourself money? Can your husband ask for a pay rise?

Good luck xxx

property.advert

The fact is that they couldn't manage on one wage whilst her hubby has been lounging in front of the TV these last X years or they wouldn't be in so much debt now.

Pee

You seem to think that because he earns the money, he gets a complete say in how it is spent. You don't need to answer this on here, or it might be helpful, but when you were the breadwinner, how did you feel about how the money was spent?

If when it was your money it was treated as yours then that makes it harder. It would be reasonable for him to say it's his money and up to him, if you shared and gave him imput over how things were done, then you can reasonably expect the same respect back.

I would have issues about being maintained by another person as I know my boyfriend has had recently when times have been tough for him. I haven't discussed with him how we pay bills etc just taken over and paid them but I have made sure that he has had spending money and hasn't had to account for every penny. (Fortunately that has been an option, that we could both still have spending money, which I appreciate is lucky.)

I think doing an SOA is a good idea anyway, and discussing it with him and trying to take onboard his suggestions.

onlyroz

If you were the breadwinner then why isn't it your husband who is going part time to look after the kids? I also don't understand why you took out the loan, or why you picked a loan with such a ridiculous interest rate. Surely a more sensible course would have been to get a 0% credit card, if all you needed was £800? And I also agree about claiming the JSA - there's no shame in claiming it while you're actively seeking work.