Will we be better off?

donna

Hello,

My husband went for an interview yesterday and without any warning they set him to work telling him he was on a weeks trial. Being so desperate to get back to work he dare not say anything to ruin his chances, so started working knowing he had not informed me or the JC and having no money for dinner. He called me on his lunch hour and explained and i immediately called the JC to let them know. They were not very happy as they are meant to fill in forms and have health and safety checks before the trial is approved. My DH was later told the trial is to be unpaid, however he will get lunch and travel expenses for the JC.

I have a few Q's:
DH is scared to tell them that i am pregnant and that he will want time off in Sept when baby comes and also for my 20 Week scan in May. The MD was a bit off with him when the JC rang saying they needed some forms filling in and DH thinks he may find the news of me being pregnant and DH needing time off equally as hassling. I was wondering what is the latest he can tell them?

Also will we be better off financially with my husband working?
He will be on 14k per annum, ? WFTC, ? CTC.

At the moment we receive annual benefits of:
JSA - £4755.40
CTC - £4097.08
CTB - £1064.39
MIP - £3148.08
Total benefits = £13064.95, but also get:
Milk, fruit & veg vouchers - £2.80 per week rising to £5.60 when baby comes
Free school meals x2 children
MINUS:
We have to pay £820.56 per annum towards mortgage.

When DH starts work:
Wages - £14000 (can anyone tell me approx after tax and NI)
CTC - How much child tax credit would we get?
WFTC - How much working families tax credit would we get?
MINUS:
CTB - All £1064.39 council tax would be due from us
Mortgage - £3968.64 as MIP would not be paid by JC
We would lose Milk money and free school dinners.

Can anyone please help me calculate how much(if any) better off we will be when DH starts work.

Many thanks in advance.
Donna x

Scarlett1

try www.entitledto.co.uk

I think its good that your husband jumped in straight away with the work trial, whether you are better off or not it will be good for his self esteem to bring home the wage, the DSS wont allow someone to sit on JSA forever without showing some initiative in getting a job, and even if you do lose the free school meals it wont cost a lot for a 'pack up', and im sure that his new employers will allow him time off for a new baby

SoozieSoo

In total after tax and ni your husband would be taking home 11,370
You would get child tax credits of 6,581
Working tax credit 883
CB of 2,221

That makes a total of just over 21,000

On such a low income you may also be entitled to free prescriptions/dentist/glasses

This is based on 3 children (2 you have now plus baby)

All info was from here
https://www.entitledto.co.uk

donnalove

on 14,500 per annum my hubby brings home now( with 10% bracket removed)
rounded £965 a month

donna

Scarlett1 wrote: »

try www.entitledto.co.uk

I think its good that your husband jumped in straight away with the work trial, whether you are better off or not it will be good for his self esteem to bring home the wage, the DSS wont allow someone to sit on JSA forever without showing some initiative in getting a job, and even if you do lose the free school meals it wont cost a lot for a 'pack up', and im sure that his new employers will allow him time off for a new baby

Aww, thanks for you positivity hun. He was pipped at the post for a similar job with the same company back in Feb, but they were so impressed they said they would call him if anything came up(and they did!)

The house is really lonely without him and i have been a bit teary about it all (hormones!) Got a really stressful call about a £1500+ overpayment of tax credits from 04/05 yesterday so am a bit stressed to say the least. As much as i want him to get the job, i am dreading going back onto WFTC again.

donna

SoozieSoo wrote: »

In total after tax and ni your husband would be taking home 11,370
You would get child tax credits of 6,581
Working tax credit 883
CB of 2,221

That makes a total of just over 21,000

On such a low income you may also be entitled to free prescriptions/dentist/glasses

This is based on 3 children (2 you have now plus baby)

All info was from here
https://www.entitledto.co.uk

Hello, could you please tell me how you arrived at the ctc,wtc & cb figures please?