benefits when partner is working

Andrew1975

Cornish_piskie wrote: »

Errr, that's not what you've intimated throughout your thread. You've been asking how to claim benefits and trying to suss out how to make the system work for you. Your wife or partner should be supporting you until you get a job. You've got excellent mortgage protection insurance by the looks of things so for the time being, until you have found work, you will have to cut your cloth to your joint income.

yes of course but its been 6 months since i left my last job and i havent found a new one yet. which shows how hard it is. and i am trying trying to find a proper employment. sorry to anyone who works in tesco or argos but i dont class it as proper employment and trying to get a job in tescos now is pointless as it pays less that mortgage protection probably.

im worried that this is going to go on for 2 years, and as someone said in 2 years im gonig to find it hard to get a job even in tesco!! which is why im trying to get the benefits side of things to work in my favour as im afraid it will become a long term option as i could possibly end up unemployable

actually my wife and i have had issues, not least due to the fact that im out of work. we can co-exist, but thats about it. the problem is she is not contributing to the mortgage at all, it all comes out of the mortgage protection and whatever else is left over after that i keep to pay the bills. my parents give me 400 a month as well because they can afford it.

my wife contributes food but thats about it. although she is paying for a holiday away for us in november. anyway i think she doesnt contribute enough financially and thats the root of the problem and forcing me to consider seperation. if she can get a free ride she will, which is why im thinking of seperating and getting her to pay me rent.

it would also sidestep the issue of selling the house which would happen if we divorced.

[Deleted User]

Andrew1975 wrote: »

clearly we dont hate each other to the point where we could not live under the same roof, but separate bedrooms, yes very likely. and we both will want the right to see other people of course.

It must put a lot of pressure on a relationship when someone is made redundant and money is tight.

Marriage though, fo richer for poorer, for better for worse?

Maybe visit Relate?

Anybody on this forum will tell you it is far cheaper to share costs and live as a couple than live apart.

I say this all the time to my couple friends, I have to pay TV License, Internet, Phone, Water for just me and my Son. Where as if I had a partner these costs could be split between 2.

Work on your Marriage and stay together.

Cornish_piskie

You have been given practical solutions - get a job, living off your partner's earnings in the meantime!!!

They may not be the practical solutions you want to hear - it seems you think the benefit system should 'pay' you. You've had your entitlement following your redundancy ie: 6 months of JSA. Now you have to fund yourself ...

Andrew1975

Cornish_piskie wrote: »

You have been given practical solutions - get a job, living off your partner's earnings in the meantime!!!

They may not be the practical solutions you want to hear - it seems you think the benefit system should 'pay' you. You've had your entitlement following your redundancy ie: 6 months of JSA. Now you have to fund yourself ...

you think taking a job that pays me less than mortgage protection which is linked to no benefit system is practical advice?

sound moral advice it may be

savvy financial advice i dont think it is.

FBaby

Do you really think benefit people are that dumb!!! You've just said that you are co-existing ok and about to go on holiday together, but hey, you are not a couple.... they don't care what you do-or don't do- in the bedroom, the fact is that you are living together, sharing the bills, you time together, and therefore living as a couple.

I hope your wife doesn't come lurking here, she might have quite a shock to discover that after having booked a holiday for the two of you, you are officially telling strangers that you are considering separating....

Andrew1975

FBaby wrote: »

Do you really think benefit people are that dumb!!! You've just said that you are co-existing ok and about to go on holiday together, but hey, you are not a couple.... they don't care what you do-or don't do- in the bedroom, the fact is that you are living together, sharing the bills, you time together, and therefore living as a couple.

I hope your wife doesn't come lurking here, she might have quite a shock to discover that after having booked a holiday for the two of you, you are officially telling strangers that you are considering separating....

im saying our relationship is on the rocks, we are hardly lovey dovey and yes i could quite easily see us seperating.

and we do not share bills i pay all of them. and the mortgage.

Cornish_piskie

Andrew1975 wrote: »

you think taking a job that pays me less than mortgage protection which is linked to no benefit system is practical advice?

sound moral advice it may be

savvy financial advice i dont think it is.

So if I told you to the screw the benefit system for the next two years would that suit you better? :rotfl:

Why have you got to 'use up' all this mortgage insurance? The damage to your career prospects by sitting on your @rse for the next two years will far outweigh any benefit you get from it. Perhaps my morals are high - I see you have income coming into your home but you don't want to live off that - you want benefits, as much as you can get your grubby paws on. Nah, I'd rather my morals any day ...

Andrew1975

Cornish_piskie wrote: »

So if I told you to the screw the benefit system for the next two years would that suit you better? :rotfl:

Why have you got to 'use up' all this mortgage insurance? The damage to your career prospects by sitting on your @rse for the next two years will far outweigh any benefit you get from it. Perhaps my morals are high - I see you have income coming into your home but you don't want to live off that - you want benefits, as much as you can get your grubby paws on. Nah, I'd rather my morals any day ...

im sorry your only advice which is for me to work in tescos immedietly is not an option im prepared to take. thanks your opinion has been noted but im not going to follow it.

FBaby

Your relationship is so rocky you are thinking of separating, although funnily enough, the title is about your partner's working, not what happens if you separate. You are worried about money because you won't be entitled to JSA, but hey, you are letting your partner pay for you to go on holiday.

Surely if you are still together and intend to try to save your relationship, you should be asking her to contribute more towards the bills for the time being rather than letting her pay for a holiday and then make a point that she is not paying any bills, or if you really believe separation is on the cards shortly, then have the decency not to let her pay for you to go on holiday...

Cornish_piskie

Andrew1975 wrote: »

im sorry your only advice which is for me to work in tescos immedietly is not an option im prepared to take. thanks your opinion has been noted but im not going to follow it.

That was not my ONLY advice. I said you should live off the income coming in to your home - you know, your wife's income until you get back into employment. As I said, I think the whole 'separation' thing (but remaining together) might be you trying to suss out a way to screw the system. By all means try it - I for one will look forward to your 'I've got an interview under caution with the Benefits Agency - Help!!!' thread.

Advising a seasonal job in Tesco or the like to tide you over was another option - you explained that wouldn't work for you so fair enough - back to the option above!

By the way - did you have a redundancy payout? If that was more than 16k or you have more than 16k in savings, you are going to entitled to sweet FA anyway.