benefits when partner is working

tescobabe69

I'm sure there are lots of couple living like the OP would like to, unfortunately in his previous honest time he married his lady.
Getting married is one of the biggest financial mistakes anyone can make, sad really.

Andrew1975

Cookiee wrote: »

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!

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[/QUOTE]


yes well in terms of work im finding it near impossible to apply for jobs in the private sector, as my whole background has been public sector. and im sure you are aware of the massive cutbacks going on in the public sector - or at least recruitment freezes.

Andrew1975

tescobabe69 wrote: »

I'm sure there are lots of couple living like the OP would like to, unfortunately in his previous honest time he married his lady.
Getting married is one of the biggest financial mistakes anyone can make, sad really.

well yes i dont get on with my wife

i also know divorce will leave my (only) asset highly exposed to a claim from her.

i dont feel she deserves any of it due to her total lack of contribution towards it.

LL30

yes well in terms of work im finding it near impossible to apply for jobs in the private sector, as my whole background has been public sector. and im sure you are aware of the massive cutbacks going on in the public sector - or at least recruitment freezes.[/QUOTE]

Which is why you need to get out of the mindset that you have to command 30K!

I know things are tough, but maybe you need to rethink what you are applying for and get a little creative with it. I've been redundant for 2 weeks. In that time I've been to an interview and been offered a job ( which unfortunately I couldn't accept, but that's another matter) I've now got 2 job interviews on Tuesday, so fingers crossed. It is possible to get a job, you just have to be savvy about what you apply for and how you do it. And drop the 'I'm precious' attitude. You're not, you appear to be spoilt.

Coming back to that point. Are you going to address your spending addiction? Even if you do tuff the wife out, your spending needs to get sorted.

FBaby

Of course she is not contributing towards a mortgage which isn't under her name!!!! Why do you think she should!! She's probably been putting money away to secure a deposit on a house when you tell her you don't want to be together, but would like her to stay put so you can claim benefits.

Andrew1975

FBaby wrote: »

Of course she is not contributing towards a mortgage which isn't under her name!!!! Why do you think she should!! She's probably been putting money away to secure a deposit on a house when you tell her you don't want to be together, but would like her to stay put so you can claim benefits.

erm, do people usually get free rent and council tax???

but when we divorce wont she be able to claim half of the house anyway?

charlieismydarling

Why is the mortgage protection paying out 1100 when the mortgage is only 800?

Genuinely confused.

What is the 400 from your parents for?

Andrew1975

charlieismydarling wrote: »

Why is the mortgage protection paying out 1100 when the mortgage is only 800?

Genuinely confused.

What is the 400 from your parents for?

you can get mortgage protection that pays out more than 100% of mortgage, which is what i have.

the 400 is for everything else eg council tax, bills etc. if it wasnt for that id be screwed completely!

Cookiee

Andrew there are thousands of people who used to work for the public sector and now have been made redundant. My friend I mentioned earlier was one of them.

She and her husband had no choice but to move from one side of London to the outskirts to find a job and live within a tight budget.

Your attitude thoughout this thread is very negative. Your attitude towards your poor wife is disgusting. You are coming across as a snob and as far as I can see from your threads you are in no position to do so. You are so worried about saving your house that you are blinkered to the advice people are giving you.

I am sorry I am now sounding harsh but you have plenty of options in front of you. You and only you can make the tough decisions you know you have to make. Until the job market in the pubic sector picks up, you have no options but to look for alternative sectors of employment. It's not like you have only had 6 days warning, you would have been aware for the last 6 months of what is about to happen with your income.

My neighbour but one killed himself in a garage because he was arguing with his wife over money, could not find a job and thought the world was against him. You sound like you have the support of very generous parents and you can only do something about your position.

It is not fair to what feels like you stringing your poor wife along whilst you feel sorry for yourself and the fear of her taking the house. How do you know she will want to take the house? Does she even know your considering seperation? When you go to court for a divorce it does not automatically mean "she will get the house" as my mum found out. My ex-stepdad got the house as he paid for the mortgage and to be fair she hated the house due to the bad memories.

Have you and your wife only started to argue since you were made redundant? If so then maybe your stress of being unemployed with no money is causing the issues between you. Maybe she is just as unhappy as you are.

Andrew I really hope that you take point of some of the comments on here. People can give advice and their views as much as they want (me included) however only you can do something about it.

Cookiee

charlieismydarling

the 400 is for everything else eg council tax, bills etc. if it wasnt for that id be screwed completely!

So incomings of 1000+400=1500

outgoings of 1300 leaves a surplus of 200 with all bills and food paid.

That sounds plenty.

I feel very sorry for your wife. I think some more thoughtfulness towards her is called for.

I think the idea of renting a room to her following a separation needs knocking on the head now. It won't work.