Child and working tax credit help plz???

paula_arc

Hi Ive never posted before and hope i am going about this the right way

I moved in with my partner at the end of last month and made this decision by using the tax credits calculator working out our outgoings and expenses and making sure it was affordable with his wage and the help from tax credits at that point it was,

I gave them a phone and declared that i had changed circumstances and an estimate of entitlement waas given to me this was over £50 less a week than the calculator had worked out! Im really worried as have already made the move and this shortfall will devastate us ... Im hoping theres some mistake somewhere and i know that a lot of users are experts when it comes to tax credits

My partner works full time and earns 17420 (gross) im at home with my 2 children

any help would be much appreciated!

ditzyat50

paula_arc wrote: »

Im really worried as have already made the move !

I don't know the answer but can only suggest that if things don't work out, then go back to your original set up. Personally I tend to give a new situation (and that's any situation in general) a 3 months time scale, then if I am not happy or no sign of improvement, I have a rethink. Good luck.

zagfles

paula_arc wrote: »

Hi Ive never posted before and hope i am going about this the right way

I moved in with my partner at the end of last month and made this decision by using the tax credits calculator working out our outgoings and expenses and making sure it was affordable with his wage and the help from tax credits at that point it was,

I gave them a phone and declared that i had changed circumstances and an estimate of entitlement waas given to me this was over £50 less a week than the calculator had worked out! Im really worried as have already made the move and this shortfall will devastate us ... Im hoping theres some mistake somewhere and i know that a lot of users are experts when it comes to tax credits

My partner works full time and earns 17420 (gross) im at home with my 2 children

any help would be much appreciated!

I make it about £111pw based on above. A little more after April as the child element is going up.

karenx

Surly being together means more than some money??? You have went from paying for 2 households to 1. So you will both be saving on bills etc so you will find that you will be better off once you work out how much you both spend before and then now.
And whats stopping you getting a job???

DaisyFlower

And they say romance is dead:rotfl:My first thought if single with two children would be is this the man for me and will he be good with my children not visting the tax credits website to see how much in benefits the situation nets.

If you need more money, then you can always work as being a SAHM is a luxury. If childcare is expensive for two then you can work nights or weekends.

moneysavermum_2

paula_arc wrote: »

Hi Ive never posted before and hope i am going about this the right way

I moved in with my partner at the end of last month and made this decision by using the tax credits calculator working out our outgoings and expenses and making sure it was affordable with his wage and the help from tax credits at that point it was,

I gave them a phone and declared that i had changed circumstances and an estimate of entitlement waas given to me this was over £50 less a week than the calculator had worked out! Im really worried as have already made the move and this shortfall will devastate us ... Im hoping theres some mistake somewhere and i know that a lot of users are experts when it comes to tax credits

My partner works full time and earns 17420 (gross) im at home with my 2 children

any help would be much appreciated!

in the posters defence once youve been a single parent and skint you are hardly going to put yourself in a worse position are you..... th op is right to check how there life together impacts her financially. Bloomin here...here if i met someone i would be putting this as a priority and for all the people out there who think they can live on romance forget it!!! we live in hard times...so you can never ignore your financial situation however in love you are. Finances have to be a priority especially where kids are involved. Op I am behind you 100% you do right to check your financial entitlements out now your circumstances have changed cos afterall you want the best for all of you. so ignore the stupid comments of the other posters earlier....silly people:T

moneysavermum_2

karenx wrote: »

Surly being together means more than some money??? You have went from paying for 2 households to 1. So you will both be saving on bills etc so you will find that you will be better off once you work out how much you both spend before and then now.
And whats stopping you getting a job???

you are incredibly rich or incredibly stupid.....people cant live in a romance bubble...they have bills to pay, food to put on the table. Yes its nice to be with someone else but you still have to make ends meetand maybe going out to work may upset their household i.e childcare etc. I think most people given a preference prefer to bring up their own kids.

moneysavermum_2

DaisyFlower wrote: »

And they say romance is dead:rotfl:My first thought if single with two children would be is this the man for me and will he be good with my children not visting the tax credits website to see how much in benefits the situation nets.

If you need more money, then you can always work as being a SAHM is a luxury. If childcare is expensive for two then you can work nights or weekends.

Whats wrong with you people the op just wants advice not judgement:mad: quite obviously you have never been short of money...once you have you are rightly cautious about circumstances that affect your finances. I suspect the op is trying to the best by the family by trying to get her finances sorted. Shame on you saying romance isnot dead :mad:

Being a sahm mum is not a luxury it is the best way of bringing up your own kids and not having someone else bringing them up for you. Generally speaking people have kids to raise them themselves..you dont know the ages of the ops kids either.:mad:

krisskross

nje24 wrote: »

Being a sahm mum is not a luxury it is the best way of bringing up your own kids and not having someone else bringing them up for you. Generally speaking people have kids to raise them themselves..you dont know the ages of the ops kids either.:mad:

I do agree with this but many people do not have the luxury of staying at home to look after their children because the taxpayers are not paying all their living costs.

There is always another side to the coin you know.

DaisyFlower

nje24 wrote: »

Being a sahm mum is not a luxury it is the best way of bringing up your own kids and not having someone else bringing them up for you. Generally speaking people have kids to raise them themselves..you dont know the ages of the ops kids either.:mad:

The "best way" of bringing up children depends on many factors and has nothing to do with being a SAHM.

Working parents still raise their children, nurseries simply provide a safe environment for children whilst their parents earn a wage to support them.

If you work on the theory that children are only raised by being with a parent 24/7, then presumably children dont go to school, activities, grandparents etc.

Chrissiew

I dont know why people have kids if they cant afford to stay at home and look after them, They must know before they decide to have them if they will have enough money to buy nappies, milk, clothes etc, if they cant then wait untill they can.

Whats the point in having them if you have to farm them out all day to other people or nurseries? Then just have them a couple of hours at night, how do you bond with them? At least wait untill they are old enough to go to school all day before going to work.

I think its awful that some think its a luxury to be a stay at home mum, being a mum should be just what it says, being a mum and staying at home to bring up your own baby.