job offering £12k- any back to work help? (tax credits etc?

Horseygirl_2

I earn £18k. I'm 26. I clear £1200 a month. I pay £500pm+bills for my privately rented small 1 bedroom flat (About £700 a month) On top of that I have DD's that total around £200 which leaves me with £300 a month to buy food and petrol and anything else. I cope fine. If I earned any less than what I do it would be a real struggle.

I work in a dead end job and I work to live. I dont want the taxes that come out of my hard earned salary to go to someone who thinks that its easier to stay on benefits than it is to get off their !!! and get a job.

LadyMorticia

Russe11 wrote: »

10 years, unexperienced, job paid 18k a year, now simular job pays, yes 18k a year... how does that work out, wages gone down, cost of living up, done over, robbed etc

How do you explain it?

£20k year is £300 a week, are you saying that is a good income?

maybe if you are a married couple, with kids, it can be a nice wage.

But for a single person, it is hardly going to be a good standard of living.

How can £300 a week be okay for 2 people, but not a single person?

I could survive as a single person on less than £300 a week. Heck, my husband and I survive on much less than £300 a week! Alot of people live beyond their means. It's all about budgeting.

I'd take a job that paid 12k a year, just to actually be able to work.

lazer

OP - yes you would be entitled to receive some tax credits (as long as over 30 hours work)

I quicky ran the figures though the calculater, and you would get £51 a week for the first year assuming only JSA income in 10/11 and possibly some help with housing costs.

foxymum1977_2

£300 per week is Not 20K per year!

lazer

foxymum1977 wrote: »

£300 per week is Not 20K per year!

It is actually - net pay £306 a week on £30k gross salary, £298 if student loan

Blobby8_2

Russe11 wrote: »

why are they doing it if they don't want to, somthing does not add up here?

Its not about paying for unemployed, some unemployed people actually net contribute to the taxation system. Where as a working couple claiming WTC, CTC etc are the people actually costing the tax payer.

Go on I'll feed, explain how someone who does sfa all day make a net contribution.

Russe11

relic wrote: »

Oh right, so you're different to everyone else right?

Everyone is in the same position, wages haven't gone up with inflation, do you read the news or take any interest in world affairs?

£20,000 a year is a good income, yes. If you think otherwise (for someone who claims JSA), then you are not quite right in the head, and obviously have dillusions of grandeur.

Ah up North, Everyone is not in the same posistion, some peoples wages far exceed inflation, some level with and some have suffered... its all levelled by the welfare system and taxation, just highly unfairly towards single working low earners, and by low earner I really do mean less than 20k a year. Or in london less than 30k.

I have no dillusion of grandeur as you put it, over the years I have gained more experience therefore I should be able to command a higher wage, career progression set aside I should be able to earn a wage that gives a reasonable standard of living, allows for some luxeries, allows me to save some(safeguard against requirement of credit), pension contribution at the reccommended £75 per week from the age of 22(well behind on that one atm).

To think the latest job I could of considered would of paid £6.50 per hour(equates to a income of 211(including wtc 260 per week)). Out of that...

travel 70 a week
rent 105 a week
utilities 20 a week
food 50 a week
pension 75 a week

... oh hang on a moment thats me into needing credit already

I having nothing wrong with the good old fashion values of go out there and earn your living, but if it does not make financial sense how can you hold this veiw?

Russe11

lazer wrote: »

OP - yes you would be entitled to receive some tax credits (as long as over 30 hours work)

I quicky ran the figures though the calculater, and you would get £51 a week for the first year assuming only JSA income in 10/11 and possibly some help with housing costs.

Depends on what the OP earnt the previous year though? or have they changed the way its calculated?

wottonby

Russe11 wrote: »

Ah up North, Everyone is not in the same posistion, some peoples wages far exceed inflation, some level with and some have suffered... its all levelled by the welfare system and taxation, just highly unfairly towards single working low earners, and by low earner I really do mean less than 20k a year. Or in london less than 30k.

I have no dillusion of grandeur as you put it, over the years I have gained more experience therefore I should be able to command a higher wage, career progression set aside I should be able to earn a wage that gives a reasonable standard of living, allows for some luxeries, allows me to save some(safeguard against requirement of credit), pension contribution at the reccommended £75 per week from the age of 22(well behind on that one atm).

To think the latest job I could of considered would of paid £6.50 per hour(equates to a income of 211(including wtc 260 per week)). Out of that...

travel 70 a week
rent 105 a week
utilities 20 a week
food 50 a week
pension 75 a week

... oh hang on a moment thats me into needing credit already

I having nothing wrong with the good old fashion values of go out there and earn your living, but if it does not make financial sense how can you hold this veiw?

Exactly what I said - it's near impossible to live on that level of income.
Not when you can claim ESA of £99.85 a week and legitimately earn another £95.00 a week on top (Max 16 hours a week)
£194.85, and pay no council tax or rent! That works out to be something like £322 a week - £1395 a month. And that's poverty!!

I must be wrong somewhere - who the **** is going to work for 30 plus hours for less £900 a month!

merlin68

My food for 4 is £50 a week. Also we're mobile cleaners and only spend £20 on petrol a week. Spending £75 a week on a pension is frankly ridiculous.