Will me working (18 year old) affect my parents?

benefitbaby

Dunroamin wrote: »

But the money you'll be paying for your keep will more than cover the lost HB.

Very true.
If you were working full-time and earning £260 p/w then you would need to chip in £42.65 p/w to cover lost HB/CTB. Plus hopefully a little extra to Mum and Dad to contribute towards, food, elec, water etc.

gymrat3

benefitbaby wrote: »

Very true.
If you were working full-time and earning £260 p/w then you would need to chip in £42.65 p/w to cover lost HB/CTB. Plus hopefully a little extra to Mum and Dad to contribute towards, food, elec, water etc.

Sounds good, is there a table somewhere online? I don't really get your table!

benefitbaby

gymrat3 wrote: »

Sounds good, is there a table somewhere online? I don't really get your table!

That makes two of us! I couldn't find a current one on-line to 'copy and paste' so I took this from my CPAG Benefits/Tax Credit Handbook.

However I have now found it but I cannot post links so if you search "non dependant deductions rates shropshire" it is the first one that comes up and is helpfully in PDF format.

PippaGirl_2

Here is a table of non dependent deductions

Your parents will be fine, you will just need to pay your own way now that you are an adult.

BigAunty

There is a modest deduction of their HB/CT as a non-dependent deduction which you can match or more than equal with a contribution from your keep.

You will net about a £1,000 a month, £230 a week and their deductions might be around £65 for both council tax and HB so that's under a third of your net income, much cheaper than living elsewhere.

But then if your parents are seriously underwhelmed by the loss of their benefits, then I guess they might also expect you to pay for the dip in tax credits and child benefit,too, or chip in towards bills like food and energy.

It's a shame you face such negativity from your parents, too, over benefit withdrawal but you are now grown up and will have to face them down in a mature way.

Dunroamin

BigAunty wrote: »

There is a modest deduction of their HB/CT as a non-dependent deduction which you can match or more than equal with a contribution from your keep.

You will net about a £1,000 a month, £230 a week and their deductions might be around £65 for both council tax and HB so that's under a third of your net income, much cheaper than living elsewhere.

But then if your parents are seriously underwhelmed by the loss of their benefits, then I guess they might also expect you to pay for the dip in tax credits and child benefit,too, or chip in towards bills like food and energy.

It's a shame you face such negativity from your parents, too, over benefit withdrawal but you are now grown up and will have to face them down in a mature way.

If the OP was earning that sort of income I would certainly hope that he would pay for his share of food and utilities as well as the deductions for HB and CT.

Did I miss the bit where he said his parents were negative?

BigAunty

Dunroamin wrote: »

If the OP was earning that sort of income I would certainly hope that he would pay for his share of food and utilities as well as the deductions for HB and CT.

Did I miss the bit where he said his parents were negative?

"I don't mind working its just my parents won't be too pleased about losing HB. "

When kids pay keep to their parents, its really on a case by case basis and act of negotiation - they might want x amount, they might say 'we won't take any more off you, save it for your future study costs' or they may calculate it a bit more forensically 'right that x loss of tax credits, cb, ct, hb, plus a quarter share of energy, food, etc'.

When I started earning my parents weren't interested in taking anything other than a token sum that would have barely paid for my food.

Of course, that was in the olden days, pre-tax credits and where there was little help for HB, where a household could meet their basic bills on one parent's wage without anything other than child benefit or modest tax discount.

There wasn't the kind of benefits panic we regularly see now on MSE each year when kids leave school and their parents moan that it's an instant £100 a week loss or whatever, that they don't feel is covered sufficiently (or should be covered at all) by their kids employment income, JSA or student grant/loan.

One poster recently complained that her kid had to pay 60% of her rent when he was in employment, neglecting to indicate that his wage was high and her rent was low and that it was never more than 20% of his income, still a token amount by any measure. I'm digressing now...

PippaGirl_2

BigAunty wrote: »

One poster recently complained that her kid had to pay 60% of her rent when he was in employment, neglecting to indicate that his wage was high and her rent was low and that it was never more than 20% of his income, still a token amount by any measure. I'm digressing now...

Actually that wasn't the case. The amount in his pay packet was around £1300pcm and that is how they calculated his proportion of the rent and said he needed to pay 60% of the rent plus council tax for the house. My point was actually, that they failed to take into account that £600 plus was remibursed travel expenses as he drives throughout three different counties daily, the mileage he does is huge in his job. So the £280 he was asked to pay in rent was in fact 40% of his wage plus he needed to give me money towards utility bills and pay for his food, and then had his insurance (HUGE, he is only young but without it could not do this job) as I cannot subsidise him in any way as I am on ESA and DLA only and am already sharing that with my dd who has disabilities and is in part time education (all she can manage with her disabilties) and as she is over 20 I get nothing for her and she is entitled to nothing to feed herself with.

ds1 didn't have enough to pay me the full £280 rent asked having paid his monthly huge insurance costs so I had to subsidise it, and as I said I already share my benefits with my dd who is entitled to none. My complaint wasn't the amount he had to pay, but that they didn't take into account much of his income was expenses which he was using and needing and wasn't really his income/wage.

~Chameleon~

PippaGirl wrote: »

.... I am on ESA and DLA only and am already sharing that with my dd who has disabilities and is in part time education .......

ds1 didn't have enough to pay me the full £280 rent asked having paid his monthly huge insurance costs so I had to subsidise it.....

I thought I'd read somewhere that there were no non-dependant deductions made to HB if you're in receipt of DLA?

PippaGirl_2

Yes Chameleon that's true. I lost my DLA following a review to which I appealed and went to Tribunal. During that period the LA had to count ds1 as a non dependent as I wasn't in receipt of DLA. Furtunately I was successful at Tribunal so am no longer screwed. I just hope I go from DLA to work with no gap or at least will not be supporting dd through her education without any financial assistance.