How accurate is entitledto.com?

davholla

his_wife wrote: »

this is where the system needs rethinking,

First of all good luck on your job interview

Secondly,, if you earn over, 60,000 you loose cb yet, you can have up to 70,000 made up off top ups in benefit,,, madness or what

Not aiming that point at you by the way, just in general, glad to see your a smart mummy who is willing to bring your children up with morals , good luck once again

That is true why is the OP still getting child benefit?
If I earned the same amount as she gets I would lose child benefit so why isn't she losing it?

Horseunderwater

davholla wrote: »

That is true why is the OP still getting child benefit?
If I earned the same amount as she gets I would lose child benefit so why isn't she losing it?

To quote you here - the OP has an interview for a job and the salary is £14.5k per year - so nowhere near £60k.
The benefit calculator she used came out with a scenario that she (OP) thought was not right, but it is as Child benefit and maintenance payments are disregarded as income when it comes to calculating household income, hence why she would get so much money coming in. That is how the current system works. Whether it will stay that way once everyone is under the new Universal credit umbrella is anyones guess. She is at least trying to get herself a job and provide for her child.

Gentile

Horseunderwater wrote: »

To quote you here - the OP has an interview for a job and the salary is £14.5k per year - so nowhere near £60k.
The benefit calculator she used came out with a scenario that she (OP) thought was not right, but it is as Child benefit and maintenance payments are disregarded as income when it comes to calculating household income, hence why she would get so much money coming in. That is how the current system works. Whether it will stay that way once everyone is under the new Universal credit umbrella is anyones guess. She is at least trying to get herself a job and provide for her child.

Hmm, I would argue against that.

Single mum with no real knowledge of the benefit system splits up with partner. Tries to sort her life out ( to be commended ). Talks to people on forum and gets hold of the entitledto calculator etc and realises that she could in theory get as much as 3K per month tax free including housing benefit and council tax benefit.

It equates to 50K odd in private sector and is usually earned by someone senior at manager level with years of experience.

So OP starts working her way up and once she hits the limit where the benefits would get cut off, probably about 20K ( not sure ) she realises that she is far far worse off if she worked and got no benefits since she has no way of actually hitting the 60K pa salary to continue the life style she was used to before. Unless she works hard for many many years.

So, why will the current system work ? It was supposed to help short term but ha enabled a generation to stay on forever.

princessdon

Where do people get the £70K PA from? Add those figures together and it is £28K PA. Wages 14,500, WTC 7704.32, CT 175.24 and HB £5634.72 = Total is £28,114 PA. She pays Tax and NI on wages and pays £9, 516 in childcare.

On benefits she will get probably the same amount less a small incentive to go to work.

Can anyone explain where these £70K figures come from as I clearly have made a mistake.

shoe*diva79

Damed if I work, damed if I dont.

gentile - what exactly would make you happy? Me working or me relying on generous state handouts?

Childcare costs are high - but it wont be forever, i only need childcare for one child. When she starts school in 2.5 years my WTC will reduce inline with the cost of childcare no longer needed. I don't see the WTC as my income - that, and more, will be paying childcare so wont even hit my household pot as such, so I wont miss it when she starts school. As my wages increase any HB and CTB i receive will reduce and again, it pays the rent which will still need paying so again, I wont miss it.

I currently have circa £520 a week into my household made up of IS/CTB/HB/CTC and CM from NRP. I really do not have to go to work if I don't want to. But I do want to, a better life for me and my children and hopefully showing my children that work pays. I must be doing something right, my eldest (14) currently gives up 3 hours every saturday to volunteer in a local charity shop. She has a monthly allowance that she has to buy anything she needs out of and its teaching her the value of money. She knows if she cannot afford it she has to save for it or go without.

Your making a lot of assumptions about me when you do not even know me.

plum2002

shoe*diva79 wrote: »

Damed if I work, damed if I dont.

gentile - what exactly would make you happy? Me working or me relying on generous state handouts?

Childcare costs are high - but it wont be forever, i only need childcare for one child. When she starts school in 2.5 years my WTC will reduce inline with the cost of childcare no longer needed. I don't see the WTC as my income - that, and more, will be paying childcare so wont even hit my household pot as such, so I wont miss it when she starts school. As my wages increase any HB and CTB i receive will reduce and again, it pays the rent which will still need paying so again, I wont miss it.

I currently have circa £520 a week into my household made up of IS/CTB/HB/CTC and CM from NRP. I really do not have to go to work if I don't want to. But I do want to, a better life for me and my children and hopefully showing my children that work pays. I must be doing something right, my eldest (14) currently gives up 3 hours every saturday to volunteer in a local charity shop. She has a monthly allowance that she has to buy anything she needs out of and its teaching her the value of money. She knows if she cannot afford it she has to save for it or go without.

Your making a lot of assumptions about me when you do not even know me.

Put them on ignore, us single parents are a target for morons - I love the fact that they don't know how to insult me because I earn waaay too much for any benefits it confuses them because 'obviously' all single mums live off state handouts, when they come across one that doesn't they don't know what to do

shoe*diva79

Just a update. I booked an appt with the lones parent benefit advisor so I had 100% fact. Turns out the calculator on here is slightly wrong, by £25 - but in my favour. I also discovered as I will have been claiming IS for 26 weeks ill be entitled to 4 weeks run of of HB and CTB along with a £250 return to work grant.

The advisor actually tried to talk me into working part time as I would be better off but I explained my career is important and its not all about the money.

princessdon

Good luck with it.

As I said previously I had no idea where the heck they got their 60K - 70K figures from anyway and not many LP seek work on IS.

Hope it works out for you

plum2002

shoe*diva79 wrote: »

Just a update. I booked an appt with the lones parent benefit advisor so I had 100% fact. Turns out the calculator on here is slightly wrong, by £25 - but in my favour. I also discovered as I will have been claiming IS for 26 weeks ill be entitled to 4 weeks run of of HB and CTB along with a £250 return to work grant.

The advisor actually tried to talk me into working part time as I would be better off but I explained my career is important and its not all about the money.

So, so pleased for you,:T:T:T:T and you're right, it isn't all about the money, building a career and therefore a future is as important/more important - but you have to be able to put a roof over your heads and food in bellies in the meantime