Cannot afford to live together

sassyblue

inch_high wrote: »

It's not a reason she wouldnt be moving in.

How is she a sponger? She works 37 hours a week and brings up a polite and well behaved little boy.

She isnt some trollop that sits watching Jeremy Kyle all day without any job at all.

I think you should have a little word with yourself before you go wading in to the next thread...

I explained it at the time but because you need it clarifying, she'd be a sponger IF her reasons for not moving in together are that she'd be worse off.

By your own logic, women who watch Jeremy Kyle are trollops?

Thanks for the advice.

euronorris

inch_high wrote: »

Thanks for your many replies folks.

(except the predicted negative drivel the likes of Sassy Blue come out with)

I do want her to move in and it will happen. I guess we can afford it, altough it will be a struggle due to current debts etc.

My query was whether I was missing something as I didnt think it could be right that by building a family environment etc can make you financially worse off than living separately!

TBF though, if you didn't currently have debts, then this wouldn't be such a problem and she may have been better off financially by moving in with you, thanks to the shared income.

Also, the benefits she currently receives are essentially making up the shortfall of not having a live in partner who's contributing financially. The rates the government set can't possibly take into account every individual's personal circumstances. So, for some, they will be better off alone, and others will be better off as a couple.

There are so many different factors playing a part here, it's unfair to blame it on entirely on the system.

CKhalvashi

balletshoes wrote: »

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.

It is £41k, although I do know of some families claiming them at higher incomes than this.

Also, childcare expenses can be claimed back at up to 75%, dependent on circumstances. This is another Conservative scheme to make work pay.

IMO, the best thing to do would be to go to the council offices, put the situation through them with benefits and see what happens from there. It may be worth seeing if your LA has a Cllr that specialises in benefits, who could possibly visit you at home, as they would have more scope. I know that in our LA, the two benefits specialists are Housing/Homelessness, as I’m one of them!

CK

daviecol

I feel it's worth pointing out that whilst a drop in benefits in the short term might not seem very good, these benefits don't last for ever.

When I lost my job we would've been better off financially by separating. However that was never going to happen just for money.

Now my kids are 21 and 18 I see their friends who have single parents move into smaller flats in grotty areas obviously because the benefits are starting to dry up now their kids aren't kids any more.

Whereas although we missed out on benefits we've had many happy years living together and we have cut our cloth to suit so we aren't experiencing a sudden drop in income now the children are adults.

In fact they pay us board from their wages so we're actually better off.

Ames

OP is the child yours?

mummyoftwomonkeys

I know I am thick but I don't really understand this post, its like me saying I can't afford to live with my husband any more as I have just found out I would be better off leaving him and me and my 2 sons living off benefits. You either want to live with her or you don't.

mtc95

CKhalvashi wrote: »

It is £41k, although I do know of some families claiming them at higher incomes than this.

...

CK

As others have already pointed out, the threshold for CTC has now dropped to £26K for a single child (£32K for two)

Jacko251

My partner and I have to separate because we simply cannot afford to live together I work full time she is unemployed I pay all bills and look after her 2 children also my own 2 children we don't get any help at all just my wage which is clearly not enough to live on is there anything we can do other than this drastic move thanks

Annisele

Jacko251, you'll get far more responses if you post a brand new thread. On this one people have to wade through four pages to get to your question, and most won't.

GlasweJen

Surely this should have been thought about before you conceived your son or at least planned in those 9 months it took for him to arrive?