benefits when partner is working

Oldernotwiser

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.

Savvy financial advice when you realise how screwed the rest of your career could be after (a minimum of ) two years doing sod all!

Oldernotwiser

tescobabe69 wrote: »

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.

One can only hope!;)

tescobabe69

Andrew1975 wrote: »

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.

So you had a redundancy payout but still run a credit card debt ? At what % rate ?

LL30

Andrew1975 wrote: »

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.

I'd pop over to the Debt Free wannabe board and ask them for their opinions - they have some clever ways of reducing things. It would seem that you've spent a shed load of money on goodness knows what, regardless of your above SOA, if I'm being honest. You have to adjust your lifestyle (and I have to say I am gobsmacked that you'd accept money off your parents!)

I've just been made redundant too, so I can appreciate how hard it is. Unfortunately due to a clerical error, I'm not receiving anything at all (despite the misconception that single mothers get loads of benefits). I have some job interviews lined up for next week. All at a lower salary than I was on before. No I'm not happy about that, but hell, a job is a job. So many people are taking pay cuts, it would be naive of me to think that I am special enough to maintain my salary when so many people aren't.

Have you had much input regarding how you are filling in application forms? Don't wish to sound patronising, but there is a bit of an art to it so might be worth re-evaluating how you are doing this also.

As for your Mrs, I think it's time to talk!

Andrew1975

tescobabe69 wrote: »

So you had a redundancy payout but still run a credit card debt ? At what % rate ?

not sure the rate but i have about 6k on the one and only card i have.

raven83

Andrew1975 wrote: »

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.

£120 between sky and broadband/phone? i pay half of that for all of them together and think that i pay too much!

It don't sound good OP, its like your saying, "i can't get anymore benefits so the wife has to go" cor im glad not everyone shares them sentiments, just sounds as if you want to try and mik the system. I f you are truly unhappy then ypu need to talk to your wife but don't try and defraud the system as your end up in an even bigger mess!

AnxiousMum

Wow.....nice to know that love and harmony is still in abundance in marriages eh?

My guess is that you don't want her contributing to the mortgage or teh bills, as that would show she has a vested interest in the property come time for you to sell right? And....you're getting mortgage protection payments - so what mortgage is there to contribute towards? You're getting £300 more per month from that than the actual mortgage.

I am tending to think that your issues are more related to the ability for money to run through your fingers rather than her not wishing to contribute.

She could, and should, go for her share of the house should you divorce - it's not all about whose bank account the mortgage payment comes out of you know.

jjww_2

So all in all coming into your house per month you have £2850 approx (whilst mrp is ongoing) plus an extra £400 from your parents and your outgoings are approx £1300 yet you are still looking for ways to screw the benefits system. What makes you think your wife if you seperated would want to rent a room from you in the house if she has no intention of keeping you both at the minute?

I think both of you need to sit down and talk about finances because the way you are making sound is your wife unwilling to share and that is causing problems in your marriage, why have you allowed it to happen for so long? Do you have any idea what she is doing with the remainder of her money after buying food?

Cookiee

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![/QUOTE]

I was not implimenting your on benefits now, I was stating that from your thread your looking at going onto benefits / receiving benefits.

You should not be relying on the JC putting you forward to jobs. Have you sent your CV to companies you want to work for? My work did not advertise my role but I sent my CV in and bang! got the job.
You say you hear nothing back but do you call them and ask them for feedback why you did not get the job? You can adapt your CV to all roles. Instead of applying for basic roles, how about applying for trainee manager roles at Tecos etc ... you never know what they are looking for unless you apply.

I understand living in London is very expensive but it is your choice to live there. You are not being forced to live in London and now unfortunately your in a position where you can no longer live there.

Have you spoken to your wife about your situation. You have stated in your previous posts that your wife only contributes to food. Maybe you need to show her what is really happening with the money.

I have a lot of friends who live in London. Some of them only earn £12k and they are happy and whilst they dont have every gadget about, they cope.

I am not saying you wont be able to earn that again but at this moment your main goal should be to get into work. Have you thought about doing something different? Might be a good time to valuate your skills and maybe aply them to a different field?

People on this forum can only comment on what you post so you need to realise that coming on here and stating about what benefits you could get whilst apparently commiting benefit fraud (and it is benefit fraud to do what you suggest) you will get a lot of people angry.

Instead of being on line now, go and speak to your wife and your parents. Is there an option of moving in with them for a while? If they are as well off as you say, maybe it would be the better option.

Cookiee

FBaby

tescobabe69 wrote: »

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.

Are you the lady in question In any case, doubt any lady of his would care to stay in the property once he shares his intentions!