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How Can I afford rent / bills? Need Help!!
boa_girl22
Posts: 53 Forumite
Forgive me if this isn't the right section
I'm 21 and my partner's 24.
We're hopefully moving into a house soon, we've been in a flat for a couple of years (all bills included rent) and wanting to move up to a small house due to extenuating circumstances at the flat.
We're currently unemployed though actively seeking work, and I've had some very positive leads recently so am optimistic
The rent on the property is £395pcm (very cheap for any area), however housing benefit only pay a maximum of £380pcm in our area (However housing is now spead over 13 payments instead of 12, so in reality we'd get £350 a month)
With our dole at £100 for the two of us a week, and a £50+ deficit in the rent every month we don't know how we'll manage as we'll have bills and car etc. to pay, is there any other help we can get until we can find work?
I'm looking into starting caring full time (elderly or mental health) but as we are under 25 we cannot get tax credits to bump up a low income.
My partner has extreme stress/depression and social phobia, so cannot work in an ordinary enviroment, but wants to contribute and work from home, so what are good / real jobs you can get working from home?
My worry is that while on benefit at the least the rent and council tax is mostly paid, but If I or both of start working soon, we will have to pay rent, council tax and bills, and without the help from tax credits most people get, I don't know if we can do it!
It seems the government is punishing us for being under 25, not having children and wanting to work! :mad:
We have no debt and never have, we DO NOT own a credit card and never will, and we REFUSE to ever buy anything on tick.
We may not have much, but what we have is ours, how can we move out, without it bankrupting us?
(We are on the council house list, and have been for three years but have not been accepted for a property yet)
I'm 21 and my partner's 24.
We're hopefully moving into a house soon, we've been in a flat for a couple of years (all bills included rent) and wanting to move up to a small house due to extenuating circumstances at the flat.
We're currently unemployed though actively seeking work, and I've had some very positive leads recently so am optimistic
The rent on the property is £395pcm (very cheap for any area), however housing benefit only pay a maximum of £380pcm in our area (However housing is now spead over 13 payments instead of 12, so in reality we'd get £350 a month)
With our dole at £100 for the two of us a week, and a £50+ deficit in the rent every month we don't know how we'll manage as we'll have bills and car etc. to pay, is there any other help we can get until we can find work?
I'm looking into starting caring full time (elderly or mental health) but as we are under 25 we cannot get tax credits to bump up a low income.
My partner has extreme stress/depression and social phobia, so cannot work in an ordinary enviroment, but wants to contribute and work from home, so what are good / real jobs you can get working from home?
My worry is that while on benefit at the least the rent and council tax is mostly paid, but If I or both of start working soon, we will have to pay rent, council tax and bills, and without the help from tax credits most people get, I don't know if we can do it!
It seems the government is punishing us for being under 25, not having children and wanting to work! :mad:
We have no debt and never have, we DO NOT own a credit card and never will, and we REFUSE to ever buy anything on tick.
We may not have much, but what we have is ours, how can we move out, without it bankrupting us?
(We are on the council house list, and have been for three years but have not been accepted for a property yet)
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Comments
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Hello
The simple answer is that you cannot afford to move until you start work and your income increases.
With regards to your partner, check out the Up Your Income board for some ideas.0 -
Get a bloody job! How can you plan a holiday across America and still claim off the tax payers??boa_girl22 wrote: »Me and my oh are wanting go america not sure where, would love to go disney land for a few days though !
We can leave at anytime and dont want anything fancy. cheaper the better
.
5-7 days from leeds or manchester.
We have not been on holiday abroad for over ten years and have always wanted to go to america.
Any tips and advice would be a big help:beer:
I wish I could afford a trip to America and I work full time!0 -
You might do better on the "benefits and tax credits" board.
I don't think you'd really have a £50 monthly deficit on the rent. £395 pcm is the equivalent of £365 every four weeks, and HB/LHA will apparently pay you £350 every four weeks.
However, I suspect you'd have a bigger problem with the fact rent is usually due in advance, and HB/LHA is (I believe) paid in arrears. So, you might have to come up with a pretty big upfront payment, or negotiate something else with the LL.
How much extra do you think the house will cost you over and above the flat? If, say, you think the house will be £50 pcm more expensive, and you haven't been saving £50 pcm for the last few months, then unfortunately the house is probably too expensive for you.
Is there anything you can do about the "extenuating circumstances" at the flat?0 -
I think you'd be better off moving to another house share for the time being. Look at a house/flat of your own once you are up on your feet wrt work.
When you are working if you are on a low income you will still get help from HB/CTB. If you're working f/t that level of rent is less than 2 weeks wages which is perfectly manageable without help tbh.Clean credit file:12 mthsCar loan: FREE! :jTHE PLAN: 1.Pay off debt £8808.42(£3254.45, £1570.32, £2698.33, £0:dance:, £1000, £285.32) 2.Save monthly for Christmas/insurance etc £150 per month 3.Save for emergencies /£1500 4.Save for our B&B £????depends which one takes our fancy
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Get a bloody job! How can you plan a holiday across America and still claim off the tax payers??
I wish I could afford a trip to America and I work full time!
That was a while ago, when circumstances were more stable, and we had some money saved up, hoping to get a last minute deal.
We didn't get to go to america, nor could we afford to go to bridlignton if we so desired.
Despite being unemployed we do take regular breaks off of jobseekers and live on our savings because we do not want to live on benefit, if you read my question closely you'll see that my worry was not as such getting the government to pay for a new house.... but how the hell can I afford to support myself while working when I do get a job, as the government does not offer support for people on low wages when they are under 25 / have no children.
I don't want to be a person popping out children and living on the dole for the rest of my life.
I WANT to work and I WANT to support myself, that is why I am trying to find out what help is available so i can START working and support myself without going on the dole!0 -
could you do a house share? As at the moment I really don't think you can afford it.
The other thing I would suggest is to get rid of the car as it is a massive expense and even though I work full time I don't run a car as for me its a choice of either saving for a house or running a car, and personally running a car is more of a luxury so I save for a house instead. I don't think I will ever be able to run a car, and i'm 25 so could apply for working tax credit, but see it as money that could be used in other ways.
But most jobs full time will pay you at least 850 per month after tax, so even when working it can be a struggle as you'd have 400 rent, 100 council tax, 100 bills which wouldn't leave you a great deal. To afford to live independently something else has to give way.:T:T :beer: :beer::beer::beer: to the lil one
:beer::beer::beer:0 -
I hope you find a job, but you might have to move to another area, where jobs might be more likely. Your partner should speak to MIND. Good luck.0
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IMO, you should focus on getting a full-time job first, above everything else.
Trying to plan a future on benefits isn't really a great way to start your adult life!Everyone is entitled to my opinion!0 -
IMO, you should focus on getting a full-time job first, above everything else.
Trying to plan a future on benefits isn't really a great way to start your adult life!
See above posts before you comment!boa_girl22 wrote: »Despite being unemployed we do take regular breaks off of jobseekers and live on our savings because we do not want to live on benefit, if you read my question closely you'll see that my worry was not as such getting the government to pay for a new house.... but how the hell can I afford to support myself while working when I do get a job, as the government does not offer support for people on low wages when they are under 25 / have no children.
I don't want to be a person popping out children and living on the dole for the rest of my life.
I WANT to work and I WANT to support myself, that is why I am trying to find out what help is available so i can START working and support myself without going on the dole!0 -
I you say you're looking to work full time you will be bringing in a minimum of £900 a month so why all the queries about benefits?0
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