Benefits Help and advise

Isak

Hi

Love this WEBSITE!!!

Q: We are a family of 3 and my wife is expecting a second child in Feb 2012! Im currently working and our earnings for the combined household is £1700pm. My wife is a housewife and my little boy is 4 years old. My out goings is £1400pm incl Bills and monthly Loan. Im currently getting child support of £281pm for Child Tax Credits and Child Benefits.

BUT

This year i had a huge expense of a car that broken down and service which took me into overdraft on my credit card and current account of total -£1500!!

Can you advise me on any help i may receive from the government or steer me in the right direction as im desperate for help!!

tomjonesrules

Erm ... Nothing. Do you expect the govt to pay for your car repairs?

seven-day-weekend

You will get extra Child benefit for your second child once it is born, otherwise I don't think there is anything else. The Government won't help you to pay your debts.

karenx

What help are you expecting??? You will get an additional £10.20 per week of child benefit and a little child tax credits once baby is born. Untill then you will get nothing

Isak

Ok "tomjonesrules" Im not asking for the gevernment to pay for my debts i just need advise which im desperate for!

Any other websites i can go to for advise? Can i call someone? Can i claim Housing Allowance? As im a proud person normally i wont consider it!

tomjonesrules

Is the £1700 net or gross?

Isak

NET As im working on Commission im even going to get less over Dec - JAN

KxMx

Is there something you can cut back on/ cancel until the money is paid off?

You could post an SOA on the debtfree wannabee forum here on MSE debtfreewannabee where lots of experienced folks can advise you.

Mrssmith

If your self employed you can claim the car expenses back on your tax return other than that you wont be entitled to anything.

MrsS

Isak

Thanks for site! No i have already cancelled all unnecesary DD or payments! My food Bill has been cut by 60%!!!!

tomjonesrules

You earn around £28,000 a year. You have a surplus income of £300 a month after all your outgoings. I'm clearly missing something - people in need of benefits are not in your position!