my situation, IS, HB and student, advice ?

specialkthefirst

hello everyone
i just want to say thank you for all your replys they have all been so usefull

i would never ever put anyone over the welfare of my son he will always come first and of course i have thought long and hard about him moving in as i also dont want different people coming and and out of his life

i am 21 and he is 22 and lives with his mum and brothers and pays rent there and has everything registered there obviously, however he does pay for my car insurence because he got my car on his policy because it was soooo much cheaper, but i give him the money every month

we have been together a year but obviosuly took it very slowly

if he did move in i would loose my income support and he would just about be able to cover the bills and rent in his wage alone... does anyone know if i would be entitled to JSA??

thanks for everyones support. this is a really difficult decision for me, but i am studying in the health section and i dont want to risk having a criminal record as i wont be able to get a job in this sector.
x

Mara69

specialkthefirst wrote: »

we have been together a year but obviosuly took it very slowly

Eh?

specialkthefirst wrote: »

i met him a few months ago..

Blah, blah, blah

zzzLazyDaisy

specialkthefirst wrote: »

i am 21 and he is 22 and lives with his mum and brothers and pays rent there and has everything registered there obviously, however he does pay for my car insurence because he got my car on his policy because it was soooo much cheaper, but i give him the money every month
x

Okay now you are getting into murky territory...

1 'he lives with his mum' - so no rent, council tax, utility bills to prove he is maintaining a home elsewhere (it's not the be all and end all, but it doesn't help)

2 you are financially linked - There is documentary evidence to show that YOUR car is insured at HIS address on HIS policy and HE is paying for it. If you are living at different addresses that is unlawful, and it also suggests that your relationship is closer than just bf/gf. Again it isn't the be all and end all, but with the two taken together you could be struggling to show that you are not a couple, if DWP investigates.

As to JSA, unless you have worked and paid sufficient NI in the relevant tax years you will not be eligible for contributory JSA and you won't get means tested jsa because he is expected to support you. You may get some LHA/CTB depending on his income, and depending on how many hours he works and his wages, he may be eligible for working tax credits.

As others have said, you need to go onto the turn2us website and enter all the details of what your circumstances will be if/when he moves in. This will tell you what you will be entitled to as a couple.

BigAunty

specialkthefirst wrote: »

...

if he did move in i would loose my income support and he would just about be able to cover the bills and rent in his wage alone... does anyone know if i would be entitled to JSA??

I'm not sure how JSA works for a part time student and particularly one that is part of a couple.

For contributions based JSA, you'd have had to have paid a couple of tax years worth of NI contributions and there would be an expectation that you would give up your course if you found a job. For income based JSA, his income would probably rule out your receiving it.

When someone loses a benefit like IS, there's not necessarily a direct replacement one - the expectation is that the person who is earning shares their salary instead of the taxpayer.

enabledebra

specialkthefirst wrote: »

hello everyone

thanks for everyones support. this is a really difficult decision for me, but i am studying in the health section and i dont want to risk having a criminal record as i wont be able to get a job in this sector.
x

Without trying to be over dramatic you do need to be careful about any kind of official investigation relating to honesty (whether benefits or car insurance) to avoid any risk to your career plans. Depending on what it is you are hoping to do 'fitness to practice' can be called into question even if queries of dishonest behaviour don't get as far as a police record.

specialkthefirst

Yes I have known him for a year but only been together a few months

It seems the best thing for us to do is move in together even though there's no way we can afford it

Being a grown up is not fun! Lol

specialkthefirst

Do u mind if I post am soa here? One that would be if he did move in and I lost my IS? The figures posted are what I got from turn 2 us

specialkthefirst

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 2

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 1400
Benefits................................ 350
Other income............................
Total monthly income.................... 1750

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 50
Rent.................................... 900
Management charge (leasehold property).. 0
Council tax............................. 120
Electricity............................. 20
Gas..................................... 20
Oil..................................... 0
Water rates............................. 30
Telephone (land line)................... 0
Mobile phone............................ 60 (his) 25 (mine)
TV Licence.............................. 12.50
Satellite/Cable TV...................... 0
Internet Services....................... 30 including tv
Groceries etc. ......................... 250
Clothing................................ 30
Petrol/diesel........................... 250 (he has a very expensive car in petrol)
Road tax................................ 30
Car Insurance........................... 250
Car maintenance (including MOT)......... 0 (he is a mechanic)
Car parking............................. 0
Other travel............................ 40 to park at college for me
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 10
Entertainment........................... 100
Holiday................................. 0
Emergency fund.......................... 0


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 3000
Other assets............................ 0
Total Assets............................3000


Secured & HP Debts
Description....................Debt......Monthly.. .APR
Mortgage...................... 0........(0)........0
Hire Purchase (HP) 0
Total secured & HP debts......

Unsecured Debts
Description....................Debt......Monthly.. .APR
0 nothing

FBaby

Your decision to move in together should NOT be based on money. At the moment, it seems to make sense, but the implications of moving together too quickly will ultimately be much worse. Are you totally confident that he will be happy to support your child and you to bring in no money and study? It takes a lot of maturity for a 22 year old to do so. More worringly, he is still living at home, so most likely clueless about the implication of running a household. It's enough of a massive step to start looking after yourself after having been looked after by your parents, let alone finding yourself looking after another family.

My view is that you should go the other way round and take it slowlier. Forget the car insurance. You've decided to go on his because it is cheaper. That is exactly why you could be investigated. You are getting an income based on the fact that you are on your own to pay ALL your bills. If you start depending on someone else to provide some financial help so your own bills are less, then you are defeating the reasoning why you should get IS in the first place.

My recommendation would be to take on an evening job whilst he looks after your child. This way you can gain some financial independence and make yourself able to contribute to the household when you move in together, and for him, it will give a flavour of what his responsibility will become. If he is not prepared to look after your child so you can work when you are not together, than I definitely would think he is not ready to move in with you.

BigAunty

Your SOA is best posted on the Debt Free wanabee board. The people there are much better at suggesting improvements to budgets and preventing/dealing with debts.

EDIT - £250 per month car insurance and £250 in petrol? eek, you sure this is right?. With car tax he's spending nearly 40% of his NET income on a motor! Not a very good proportion when there's a child to support. Who would want to live with a guy that spends most of his money on his baby rather than yours?

Where's the child support money from your ex in this list? Why is your rent 900 - thought it was supposed to be 800?

You've only been going out with this guy for a couple of months - you seem to think that a bit of number crunching about income is the main factor, this is such a shame to reduce it to a question around affordability when there is so many risks and so much at stake. This is no better a motivaton that the alleged letter about benefit fraud.

I've never known anyone in my circle of friends or family who have ever lived with someone they've only been going out with for a few months - is this accelerated path a single mother thing?.