How Can I afford rent / bills? Need Help!!

boa_girl22

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)

19lottie82

So, I'm guessing you guys live with your parents, if you talk about wanting to "move out"?

No offense but if you already have a roof over your head, why should the governement pay for / subsidise your (or anyone elses) plans for your own flat?
You talk like you feel that the governmnet "owes" you. Sorry, but they don't.

If your OH suffers from depression and anxiety, then do you really think struggling to pay rent and bills on low incomes will help them? Genuine, work from home jobs that offer a regular income are pretty hard to find I'm afraid.
In all honesty, and I don't mean to sound insensitive as I have suffered from depression myself, but they would be better focusing on trying to tackle their social phobias by getting involved with people again - getting out and about, possibly trying some volunteering that will help build their confidence and preparing them for employment, than hiding away in the house looking for a job that they likely won't find.

You've been on the waiting list for a council flat for 3 years because you are low priority I'm afraid, so I wouldn't expect anything soon.

THOUSANDS of under 25s (and above) can't afford to move out in to their own place, but that's life I'm afraid. Why don't you stay where you are and focus on improving your qualifications / experience so you will have more chance of promotions / pay rises?

PS "Most" people don't get tax credits (unless they have kids), they simply live within their means.

boa_girl22

19lottie82 wrote: »

So, I'm guessing you guys live with your parents, if you talk about wanting to "move out"?

No offense but if you already have a roof over your head, why should the governement pay for / subsidise your (or anyone elses) plans for your own flat?
You talk like you feel that the governmnet "owes" you. Sorry, but they don't.

If your OH suffers from depression and anxiety, then do you really think struggling to pay rent and bills on low incomes will help them? Genuine, work from home jobs that offer a regular income are pretty hard to find I'm afraid.
In all honesty, and I don't mean to sound insensitive as I have suffered from depression myself, but they would be better focusing on trying to tackle their social phobias by getting involved with people again - getting out and about, possibly trying some volunteering that will help build their confidence and preparing them for employment, than hiding away in the house looking for a job that they likely won't find.

You've been on the waiting list for a council flat for 3 years because you are low priority I'm afraid, so I wouldn't expect anything soon.

THOUSANDS of under 25s (and above) can't afford to move out in to their own place, but that's life I'm afraid. Why don't you stay where you are and focus on improving your qualifications / experience so you will have more chance of promotions / pay rises?

PS "Most" people don't get tax credits (unless they have kids), they simply live within their means.

I'm not asking for the government to support me, I don't want to be on dole and neither does my partner.

My question was that I want to start full time work, but because I don't qualify for tax credits because of my age, I was worried that I would not be able to afford to run a house on that wage, and what I wanted to know is what help is there for people that ARE working but struggling to get by?

19lottie82

Where do you live at the moment?

boa_girl22

Currently stopping with parents, after leaving our flat.

19lottie82

So, you have a home?

What you are asking is how can the government fund your wish for your OWN place.

Simple answer – they won’t. You have a home. As I said before, loads of under 25s live at home because they can’t afford their own place. They don’t get any help either.

LadyMissA

19lottie82 wrote: »

So, you have a home?

What you are asking is how can the government fund your wish for your OWN place.

Simple answer – they won’t. You have a home. As I said before, loads of under 25s live at home because they can’t afford their own place. They don’t get any help either.

and over 25's too

falko89

19lottie82 wrote: »

So, I'm guessing you guys live with your parents, if you talk about wanting to "move out"?

No offense but if you already have a roof over your head, why should the governement pay for / subsidise your (or anyone elses) plans for your own flat?
You talk like you feel that the governmnet "owes" you. Sorry, but they don't.

If your OH suffers from depression and anxiety, then do you really think struggling to pay rent and bills on low incomes will help them? Genuine, work from home jobs that offer a regular income are pretty hard to find I'm afraid.
In all honesty, and I don't mean to sound insensitive as I have suffered from depression myself, but they would be better focusing on trying to tackle their social phobias by getting involved with people again - getting out and about, possibly trying some volunteering that will help build their confidence and preparing them for employment, than hiding away in the house looking for a job that they likely won't find.

You've been on the waiting list for a council flat for 3 years because you are low priority I'm afraid, so I wouldn't expect anything soon.

THOUSANDS of under 25s (and above) can't afford to move out in to their own place, but that's life I'm afraid. Why don't you stay where you are and focus on improving your qualifications / experience so you will have more chance of promotions / pay rises?

PS "Most" people don't get tax credits (unless they have kids), they simply live within their means.

As someone who also suffers social phobia / anxiety I can say mixing with people does no good, its still there, you still be anxious, In my last job I never once had a proper conversation with my boss for example while others did it daily, I never got on with anyone, I was very much a lone ranger, went in did my job and went home.

scooby088

Getting a full time job is a job in itself, just focus on that for the moment trouble with today's i want it now generation i'm afraid no patience. As i take it you are on JSA at the moment and living at home with parents you have a roof over your head and unless there is severe over crowding i doubt you'd get priority over anyone else, and as for tax credits you wont get them either.

marybelle01

boa_girl22 wrote: »

I'm not asking for the government to support me, I don't want to be on dole and neither does my partner.

My question was that I want to start full time work, but because I don't qualify for tax credits because of my age, I was worried that I would not be able to afford to run a house on that wage, and what I wanted to know is what help is there for people that ARE working but struggling to get by?

Tax credits ARE government support. Where do you think the money comes from? It's good to see that you want to be independent and to pay your own way,not depend on benefits. But you are going to have to do what all young adults have had to do. Get into work, live within your means and try to put a little aside, and work your way up. What you can't afford you can't have. We all had to do it that way. And when I did it there were no tax credits so we expected to have to do it ourselves.

I accept that your partner has special challenges, but I also agree with lottie - if she is going to break what could become a debilitating lifetime pattern then she needs to do it now. Investing her time in treatment, support, and sometimes just sheer "do it " effort is time well spent. Trying to manage her condition by allowing it to dictate her choices will simply lock her further in to her situation. Hopefully you will one day have a home and children of your own. She doesn't want her fears to lock her out of their lives, much of which will be conducted in the outside world. Parents evenings, school plays, playing in the park - there are just so many social activities that she could miss out on. Hard though it may be, now is the chance to take control.

heretolearn_2

I don't think it's a very realistic expectation to go from being unemployed/living with parents straight into having your own house (even rented).

Most people start off with a room in a shared house. Then you only have a smaller rent and a proportion of other bills to pay, and it's manageable.


find a job first then start worrying about what you can afford to do; at the moment it sounds as if you can't be bothered to work as you may not be able to run a house on it. You'll never get out of your parents house with that attitude.

If you get a full-time job even on minimum wage you should be able to get a room.