No outgoings taken into consideration?

Merrylegs1969

I believe Weymouth comes under South West Water, the average water bill for homes in the SW is £520+ per annum for a two bed property.

Also, when you first purchase a TV licence and pay by direct debit they take a years fee over the course of six months.

MacMickster

How many hours per week does your husband work now? If it is over 24 then he may be able to claim working tax credits, or if not could he look for a 2nd job (even bar work etc) to bring his weekly hours up to 24?

mazza111

I understand where you're coming from but have you included any of the benefits you do get in your income? Like your DLA, I know this isn't counted when it comes to benefits but it's still cash in your pocket each month, do you qualify for ESA?

If your tv license is so high, is it because it's your first one, so are paying a year's worth in 6 months, after this initial 6 months it should go down a bit.

Agree that your water rates are way too high.

Agree some of the other bills could be cut by negotiating better deals on them.

If they took your outgoings into account, what would stop someone running up thousands of pounds worth of debt to live the high life and then get benefits to top them up.

I have to ask the question, are you paying debts off with your electricity and gas through your meter? Same with your water rates?


If you could break it down completely into what benefits you are getting, how many hours are worked, how many children etc. there maybe something else you are able to claim especially if you're getting higher rate mobility and care.

sniggings

Guys come on £30 a week for gas/electric for someone who is probably spending a lot of time in the home is not excessive.

annie1975_2

I know £305 is not a fantastic amount to live on, but its do-able.
My husband works 42 hours a week and brings home £255..
If we were just a couple,we wouldnt get any help with mortgage,but we would get £17 a week working tax credits.
So thats only £272 a week, and out of that £110 for mortgage and council tax.Then theres petrol to work.
So I think £305 and not working is not bad.(Dont want that to sound mean,)..
Do you get any other income,like Disability allowances??

sniggings

annie1975 wrote: »

I know £305 is not a fantastic amount to live on, but its do-able.
My husband works 42 hours a week and brings home £255..
If we were just a couple,we wouldnt get any help with mortgage,but we would get £17 a week working tax credits.
So thats only £272 a week, and out of that £110 for mortgage and council tax.Then theres petrol to work.
So I think £305 and not working is not bad.(Dont want that to sound mean,)..
Do you get any other income,like Disability allowances??

one of them works part time.

mazza111

sniggings wrote: »

Guys come on £30 a week for gas/electric for someone who is probably spending a lot of time in the home is not excessive.

Not excessive but probably a bit on the high side. BUT they could be running a tumble dryer a lot for the incontinence issues. Prepaid meters aren't the way to go if you're a high user in all honesty.

Mine is about £100/month for both, which I think is pretty high, but I'm at home all day and do keep the place warm, especially in winter. I think there are some things that could be cut though.


Like the sky and internet could be found for a smaller price etc.

I do think you need to get that watermeter checked though, cos something doesn't sound right there.

There are other benefits claimable though like ESA that we don't know if the OP is in receipt of.

annie1975_2

mazza111 wrote: »

Not excessive but probably a bit on the high side. BUT they could be running a tumble dryer a lot for the incontinence issues. Prepaid meters aren't the way to go if you're a high user in all honesty.

Mine is about £100/month for both, which I think is pretty high, but I'm at home all day and do keep the place warm, especially in winter. I think there are some things that could be cut though.

Yes we pay £75 a month for gas and electric, and Im at home all day.I only use my tumble dryer when absolutly necessary,but have my heating on most of the time in winter.

LE3

I'm not sure what your question is ... you have £47 a week for food/clothes/luxuries - which is very doable.
What do you need help with? There are loads of people here willing to help (as well as those who will preach/hinder/abuse) but I can't figure out what the problem is ...

liam8282

If you want more disposable income, I see it plainly as you and your partner will need to work to earn more money.

You don't work due to disability, fair enough.

Your partner is only working part time due to his work cutting hours, fair enough, but I cannot see any reason why he couldn't change jobs, work full time, get another part time job etc.