Cannot afford to live together

JimmyTheWig

duchy wrote: »

Surely council tax will be the same as there is currently the OP & lodger living in the house

Oops. I forgot about the lodger!!

mummyroysof3

do yours and her wages added together cover all the bills? it doesnt matter what benefits she is loosing...just what you will have covering the out goings

Spendless

Dontknowanymore wrote: »

I read the OP as they are both in work and she earns as much as he does.

Sorry I missed that line. (I posted just as I was going out and skim read). They will still benefit for not having 2 x utiltity bills and the food bill should be lower for 2 x adult, 1 x child than it is for 1xadult, 1 x child plus 1 x adult.

I should imagine that a lot of the tax credits are due to childcare costs and they will stop getting as much help, or maybe none at all. They could look into childcare vouchers as an alternative.

kettlefish

Also, I think the threshold for Child Tax Credits has changed and you're now only entitled to them if household income is <£26,000 for either a single or a joint household, so she will not get that £540 either. But, at the end of the day living with your partner will bring more happiness than all the money in the world will

thorsoak

How many others feel like me, that it is so sad that today, being able to "afford" to live together because of losing entitlement to benefits outweighs the fact that people love each other?

When we were planning our wedding/marriage getting our home, apart from thinking "we're going to have to be careful with our money in order to pay the mortgage", I don't think being better off together/alone was ever thought about!

daska

Jojo_the_Tightfisted wrote: »

Maybe she doesn't want to give up her financial and literal independence, so the money is just a smokescreen for;


'But I don't want to'

LOL, when DS2's dad says he wants us to get back together my immediate response is "I can't afford you".

Unlike the OP I literally can't as he isn't working and won't sell his flat so I wouldn't be able to afford the rent - and it would come down to me :mad:. But also I can't afford the time, energy or good will to cope with his temper, his selfishness, the smell of his cigarettes.

delain

Wow you lot are nice... The op gets to protect his assets so he could chuck out gf and son with nothing? Now she has a tenancy and rights. If I was her I wouldn't do it.

thorsoak

daska wrote: »

LOL, when DS2's dad says he wants us to get back together my immediate response is "I can't afford you".

Unlike the OP I literally can't as he isn't working and won't sell his flat so I wouldn't be able to afford the rent - and it would come down to me :mad:. But also I can't afford the time, energy or good will to cope with his temper, his selfishness, the smell of his cigarettes.

And. most important, imo, is that YOU DON'T LOVE HIM!

balletshoes

kettlefish wrote: »

Also, I think the threshold for Child Tax Credits has changed and you're now only entitled to them if household income is <£26,000 for either a single or a joint household, so she will not get that £540 either. But, at the end of the day living with your partner will bring more happiness than all the money in the world will

that figure is not correct - the threshold figure for child tax credits is still a yearly joint income of under £41,000 as far as I can see from a quick google.

Catherine_Johnson_2

If you love her and the child then you'll obviously move in together.

It's quite clear you can afford it on your joint salaries. The only thing that's holding you back, it appears, is that she'll lose her benefits. Does that really outweigh living with the woman you love and her child (your child, I presume?).

The fact that you're adding up what she'll lose in benefits rather than working out how you can manage to live together on your salaries seems, to me, to give the impression that you're looking for excuses not to do it.

I'd suggest that you need to get your priorities straight. This shouldn't be about the money, it should be about what's best for the child.