Wife working for nothing basically?

Darlyd

slugger09 wrote: »

For home working all I have found has been scams or filling in surveys for pennys a week

Having not read the whole thread. Can I just say there are more jobs working from home than filling in surverys.

Google ARISE working from home. Then callcatcherz.

Arise is a company that have companies such as home shop direct, who hire people (self employed basis) to work from home, dealing with customer service/taking orders. Need to set up a ltd company, or use callcatcherz (there are more, but I can recommend callcatcherz). Does entail an 8 week training course, quiet room with a good pc and a telephone connected to pc and a headset. Can choose your working hours. Worth a try?

Also always eBay.

Anubis_2

UnderPressure wrote: »

mmmm we do know the relevant figures dont we??? The only thing missing is the husbands exact wage but we know he works 40 hour for MINW.

Im bored now really I am, either read the thread properly or shut the **** up!

You really are starting to look like a fool now!

Only boring people get bored. We don't know either, there could be things not being mentioned in relation to money, such as overtime and other money coming in. Like I said, your calculation is rough at best, and wholly inaccurate.

UnderPressure

Anubis wrote: »

Only boring people get bored. We don't know either, there could be things not being mentioned in relation to money, such as overtime and other money coming in. Like I said, your calculation is rough at best, and wholly inaccurate.

UNDERPRESSURE has left the building....................................................

SuziQ

As Bestpud posted, OU have announced that current students/even those who begin study this sept/Oct will be unaffected by the fee changes:

What this means for current students in England

We’re putting in place transitional arrangements that mean that if you’re a current student with us your fees will not be affected by the government changes so long as you are studying towards an undergraduate OU qualification, for example

A Certificate
Diploma
or a Degree
To be eligible and remain eligible for these transitional arrangements you must also meet the following important date criteria:

you will start a module that counts towards your qualification between 1 September 2012 and 31 August 2013
AND

you have completed a module which began between 1 September 2010 and 31 August 2011 OR you’re studying a module that starts between 1 September 2011 and 31 August 2012
If you meet these criteria your fees will follow the existing pricing structure and you’ll have access to the same financial support options, so long as you continue to study each year until you achieve your qualification.

You will need to complete your qualification by 31 August 2017, when transitional arrangements will end.

ALIBOBSY

MissMoneypenny wrote: »

I'm not underming full time mothers. I stayed at home to look after my chilldren and then worked from home. I lost confidence in myself during those years when I wasn't working, which shocked my friends as I was always a very confident person.

A high earning friend of mine was a bit shocked when his wife wanted to go out to work as they had small children and he could afford for her to stay at home. He did admit later that when she got home from work "she was a new woman".

People who don't work, pay a heavy price with a loss of self confidence.

Whilst i understand some people may say this, it has not been my experience AT ALL. I have 4 kids and worked full time then part time and now stay at home with them and my confidence has not changed at all during any of the different periods. To be honest I would say I am more fufilled and happy at home with the kids and I know they all prefer it.

Having kids of various ages I know quite a range and number of parents and my experience has been the vast majority of mums don't want to work and would prefer to be at home full time. They work because they have to to cover the mortgage-I am lucky Oh earns enough to cover all our bills-but things would be tight, the tax credits and child benefit mean we have a bit left over each month.

People on here will moan about claiming benefits, but neither I nor my Oh claimed unemployment benefits till he was made redundant last year and he worked really hard to get off them again. We both worked whilst students from our teens onwards and once my kids are at school I will work again.

I personnally believe we vastly underestimate the value of one parent being at home with the children. especially when they are preschool and if that means some tax goes to help mums stay at home to ensure they produce a next generation (you know the ones who get to pay back all the debt Nu lab ran up) that are kind, polite, useful and productive members of society so be it.

As it happens for us Oh was recently on a shortlist for a job that would have reduced our tax credits to almost nothing, he wouldn't have turned it down to keep claiming, in fact we would be happy to not be claiming off the state. But I refuse to feel guilty for putting my childrens welfare first.

To the OP they need to work out the joint tax credits amount if she stopped working and weigh up what is best for the kids and her and the OP.

Ali x

gauly

Tax credits are withdrawn at the rate of 41p for every £1 earned. So the £95/week reduces the OPs tax credits by around £39. If his wife didn't work they would also save childcare, petrol and parking making a total of £39+£49+£20+£10 = £118. I reckon they would be around £23/week better off if she didn't work, but then I can't work out what extra benefits she qualifies for by working?

mumps

Oldernotwiser wrote: »

Working 20 hours a week hardly stops you bringing up your own children. By the time they're in school or nursery it needn't affect it at all.

But why should 20 hrs work give you more self esteem than bringing up your children?

dafyguy

This is similar with all means tested benefits. The government have had a go at the young single mums, now they are having a go at the 60+ brigade!

Not long ago, the JC+ actively moved JSA claimants aged 60+ onto Pension Credit, thereby cutting the number of unemployed as they no longer showed up in the system.

Now they are suggesting that those who are 60+ should get a job even though they have no legal obligation to do so.

Currently a couple get a minimum of £209.70. If they find a job paying say £6ph for 25 hours they would have a gross income of £150pw. Out of that say travel costs £5 a day - £25 pw. Their net 'take home' would be £125pw. They would lose £140 of pension credit.

Effectively the government are saying that it is good for them and good for the country to be 'better off' by minus £15.00!!!!!

Are they joking?

The only thing that is stopping this from happening at the moment is that those over 60 are NOT required to comply with the job seeking rules of JSA. You wait and see what they will do next

debrag

UnderPressure wrote: »

Yes you are right, however there is a bit of speculation at the moment as to whether or not the "new" loan system will be applicable to be already studying, ie signing up this year. I am with the OU and the last I heard nothing had been cast in stone about future module fees, 2.5k would be an average jump of around 400% so seems a bit unlikely however I know you always offer great advice so seen as it also affects me any chance of a link from where you got this information? DOHhhhhh just seen the link in your post

Bit annoyed if this is correct as the OU has not bothered to tell me as an existing student, like I said last I heard from the financial support office is the changes were going to be minimal for existing students.

Agreed on the college approach as well anything to improve your CV will be beneficial in the future and local colleges these days offer some fantastic courses.

For anyone who would like to go the degree route bearing in mind you DONT have to study to degree level with the OU a degree is earnt with them on the amount of UCAS points you have accumulated, ie the amount of courses or modules you study over a maximum 6 year period, for financial assistance anyhow, if you don't need any financial assistance you could study with them forever if you wished to. There is nothing stopping anyone really who has income of less than 35k a year I think it is studying and applying for financial assistance as said you do not have to go the "whole hog" for the degree.

Anyone who wants to do the degree however it is the chance you take if you have to use loans rather than grants, the only fallback is until you are earning "good" money you don't have to pay anything back but surely for most people the point of doing the degree in the first place is to get out of min wage hell??

If you sign up now & study a module toward a degree without a break then you get the lower fees and grants not the loans.

Fiver29

slugger09 wrote: »

If she ups her hours she looses working tax and I guess child care credit and thus she'll still be working for nothing.

I can't understand this mentality at all. She won't be working for nothing, she'll be working for her wages.

I could drop my hours and have the same money going into my bank account, but why should I? Why should other tax payers pay for me?

Why do people see it as losing benefits rather than gaining wages?