benefits when partner is working

Andrew1975

FBaby wrote: »

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...

if we divorce she can screw me over for a house that she has contributed nothing towards cant she? as far as she is concerned she would rather contribute for a holiday than bills and nothing i say is going to change that.

other than refuse to go on holiday which means i am getting even less out of her than i already am!

jjww_2

I can't believe you are actually contemplating how splitting up but living together would work to your advantage in claiming benefits.

Instead of concentrating on how to milk the benefit system with your unfortunate partner who seems to be being used as a pawn to ease your conscience at having went onto a forum to ask people if they will tell you the best way to commit fraud, you should be concentrating on finding a job. You have the advantage that you were wise enough to take out MRP but even if you took a job in tesco's as you have so readilty scoffed at between yours and your partners income even if you had to pay your mortgage you would still be able to live in modest comfort?

If your partner is not willing to contribute to household bills then more fool you because I think she must have been taking you for a ride. Why should your parents have to keep you? I don't understand how you can take money from your parents when your partner is earning a reasonable wage, and your mortgage is being paid for.

Cookiee

Hi Andrew ... Can you advise what kind of job you are looking for? Is there a minimum salary your looking for?

I know someone who was like you, who was made redundant and found it difficult to find another job for the same salary.

I know it is difficult to look for a job in this climate. I have read this post all the way through and I kind of understand what your trying to achieve. I am like you when it comes to wanting to know what the "worse case senario" is and knowing how to plan my money for the future (mind you so do 99% of people).

My 1st concern is the issue with your marriage. If things are as bad as you are describing then I think the 1st thing you need to do is be honest with your wife. I would stop the planned holiday in November and use this money to contribute to the mortgage. I know you advised that the house is in your name but surely your wife contributes to other bills/food etc... If you really feel that there is no option but to "seperate" then I would suggest that you both move out of the house and rent it out. This way you keep your home and pay the mortgage. This would then enable you to rent somewhere cheaper. It would then enable you re-evaluate your position in the job market and I know you dont think "working at Tecos" is a proper job, but at the moment working at any job is better than sitting on benefits.

I am not trying to judge you. You have come on here to hopefully get some advice. I am only stating what I feel and think that benefits are only designed to help thoughs who really need help. You sound like an intellegent person (mind you I am kind of glad I am not married to you) and you need to realise that sometimes you have to take a step back to move forward.

Your best bet is to speak to your advisor at the job centre and tell them your position. Also speak to your mortgage company. If you get a job on low starting salary, they might be able to let you pay intrest only. I am struggling at the moment and my mortgage company were really helpful and even helped me with my other creditors!

Good luck and please if you take any advice from my post, please be honest with your wife.
Cookiee

Andrew1975

Cornish_piskie wrote: »

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.

i did get a redundancy payout of 9k but thats all gone now

and my wife is giving me none of her income bar payment for food!

skibadee

B****Y HELL.....your poor wife!!....and mummy and daddy still give you £400 a month pocket money too......!!!!....Grow up and get in the real world!!

Andrew1975

Cookiee wrote: »

Hi Andrew ... Can you advise what kind of job you are looking for? Is there a minimum salary your looking for?

I know someone who was like you, who was made redundant and found it difficult to find another job for the same salary.

I know it is difficult to look for a job in this climate. I have read this post all the way through and I kind of understand what your trying to achieve. I am like you when it comes to wanting to know what the "worse case senario" is and knowing how to plan my money for the future (mind you so do 99% of people).

My 1st concern is the issue with your marriage. If things are as bad as you are describing then I think the 1st thing you need to do is be honest with your wife. I would stop the planned holiday in November and use this money to contribute to the mortgage. I know you advised that the house is in your name but surely your wife contributes to other bills/food etc... If you really feel that there is no option but to "seperate" then I would suggest that you both move out of the house and rent it out. This way you keep your home and pay the mortgage. This would then enable you to rent somewhere cheaper. It would then enable you re-evaluate your position in the job market and I know you dont think "working at Tecos" is a proper job, but at the moment working at any job is better than sitting on benefits.

I am not trying to judge you. You have come on here to hopefully get some advice. I am only stating what I feel and think that benefits are only designed to help thoughs who really need help. You sound like an intellegent person (mind you I am kind of glad I am not married to you) and you need to realise that sometimes you have to take a step back to move forward.

Your best bet is to speak to your advisor at the job centre and tell them your position. Also speak to your mortgage company. If you get a job on low starting salary, they might be able to let you pay intrest only. I am struggling at the moment and my mortgage company were really helpful and even helped me with my other creditors!

Good luck and please if you take any advice from my post, please be honest with your wife.
Cookiee

i dont want to say what field im in, but im looking for at least 30k which is what i was on before and isnt that easy to achieve now believe me.

i live in london so renting somewhere cheaper is impossible as rents are sky high compared to my mortgage. although i get your point about renting the place out.

again im not sitting on benefits, im getting mortgage protection which has a high value. in fact im receiving no benefits at all.

the job centre people have been very kind to me, but even they can only advise of jobs that are available, i apply and then (usually) i hear nothing back. in fact you are right i am intelligent and articulate and have a decent work history on my cv and i actually feel that my cv would hold me back from obtaining a job such as in tesco or argos, even if i really wanted it!

Cornish_piskie

Andrew1975 wrote: »

i did get a redundancy payout of 9k but thats all gone now

and my wife is giving me none of her income bar payment for food!

What did marriage mean to you when you said those vows? 'Giving income'? You SHARE your income. You USE your income to live. How on earth did you come to the arrangement that you pay for everything and she only puts in a few quid for food? Bizarre to say the least in my opinion but if that's what you decided then fine, that's your call. However, things are different now that you have NO income. You CAN'T pay for everything any more so you have to re-evaluate how you 'do' the finances. It's not for the benefit system to allow you to continue to run your home the same as you did when you were working.

Sorry nobody has told you want to hear but they never are going to.

LL30

Andrew1975 wrote: »

i did get a redundancy payout of 9k but thats all gone now

and my wife is giving me none of her income bar payment for food!

Blimey, what on earth do you do with your money?! I'm wondering whether your spending is part of the problem here. £1100 from mortgage, £400 from parents, £200 odd from JSA a month and 9K gone walkies from your redundancy. Wowzers....Ever thought about assessing your expenditures?

Andrew1975

LL30 wrote: »

Blimey, what on earth do you do with your money?! I'm wondering whether your spending is part of the problem here. £1100 from mortgage, £400 from parents, £200 odd from JSA a month and 9K gone walkies from your redundancy. Wowzers....Ever thought about assessing your expenditures?

ok outgoings are these

mortage 800
sky 60
council tax 140
electric/gas 130
landline/broadband 60
credit card payment 100
other bits and pieces such as insurance payments/tv license come to about 35

so i make that to be about 1300 outgoing

jsa is 0 now.

i pay for no food my wife sorts all that out plus if i need transport in london she will also pick up the tab.

tescobabe69

I would guess if your lady has been watching the decline in your finances, whilst contributing the minimum, I surmise she has built up a deposit and her departure is imminent, so when the mortgage insurance runs out I would expect her to file for divorce with a view to extracting maximum value from the property by forcing a sale.