Just wondering, moving in together

cyph01

Ok, I work, and earn over £20k annually, I live in my own place, until I want to move in with my girlfriend (just like my own space at the moment).

We have two children, my partner is on benefits, in her own house, full time mum, etc, doesn't work but is a carer for her grandma. So she gets housing benefit, income support, carers allownace, child benefits, etc, I can't remember.

Well, I soon want to be move in, in the next few months or so, but, I assume most of her benefits will stop, apart from carers allowance..

It's kinda scary... please don't diss about us not moving in together as soon as, etc, and that I do have debt to pay off too! =( still.

Just want to get an idea what changes, what stops, what could I get, etc..

many thanks
cyph

benefitbaby

Hi, your best bet is to sit down with the girlfriend and enter your details into a benefit calculator (try entitledto.com).

Generally her sigle claims will need to close e.g. IS, CTC, HB and CTB (CA and CB will not be affected) and then joint claims made for CTC and WTC, possibly a little HB could be payable.

cyph01

OK, thats helpful, and, that site is saying I could (as a single), lower council tax and rent for my place.... but I am in private rented property so I guess it won't change for me, but I will go through the site tomorrow with her, and probably go and talk to the council/whomever about this for more information, and see if what I/we could apply for, etc.

thanks

justlooking2012

cyph01 wrote: »

Ok, I work, and earn over £20k annually, I live in my own place, until I want to move in with my girlfriend (just like my own space at the moment).

We have two children, my partner is on benefits, in her own house, full time mum, etc, doesn't work but is a carer for her grandma. So she gets housing benefit, income support, carers allownace, child benefits, etc, I can't remember.

It's kinda scary... please don't diss about us not moving in together as soon as, etc, and that I do have debt to pay off too! =( still.

Just want to get an idea what changes, what stops, what could I get, etc..

many thanks
cyph

Words really fail me sometimes. So while you pay off your debt everyone else pays for your children.
Makes you proud to be British doesnt it :mad:

Gentile

justlooking2012 wrote: »

Words really fail me sometimes. So while you pay off your debt everyone else pays for your children.
Makes you proud to be British doesnt it :mad:

Dont be so harsh on him. He is here for help.

Hi mate,by moving in with her you are jeopardising her benefits. It is important that you do not do this. Think carefully and put her interests first although living together as a family etc sounds nice and romantic it does not pay the bills !!

LittleMax

cyph01 wrote: »

Ok, I work, and earn over £20k annually, I live in my own place, until I want to move in with my girlfriend (just like my own space at the moment).

We have two children, my partner is on benefits, in her own house, full time mum, etc, doesn't work but is a carer for her grandma. So she gets housing benefit, income support, carers allownace, child benefits, etc, I can't remember.

Well, I soon want to be move in, in the next few months or so, but, I assume most of her benefits will stop, apart from carers allowance..

It's kinda scary... please don't diss about us not moving in together as soon as, etc, and that I do have debt to pay off too! =( still.

Just want to get an idea what changes, what stops, what could I get, etc..

many thanks
cyph

and that sums up what is wrong with the benefits system as it stands. A couple should not be better off living apart. However, whilst we have the system we do have ... my advice would be check out the figures in a benefits calculator and work out how much your girlfriend would lose if you moved in.

Gentile

LittleMax wrote: »

and that sums up what is wrong with the benefits system as it stands. A couple should not be better off living apart. However, whilst we have the system we do have ... my advice would be check out the figures in a benefits calculator and work out how much your girlfriend would lose if you moved in.

Hmm, I think this topic has been covered extensively in the past week or so. Not sure we want to revisit that.

UsetheFORCE

cyph01 wrote: »

Ok, I work, and earn over £20k annually, I live in my own place, until I want to move in with my girlfriend (just like my own space at the moment).

We have two children, my partner is on benefits, in her own house, full time mum, etc, doesn't work but is a carer for her grandma. So she gets housing benefit, income support, carers allownace, child benefits, etc, I can't remember.

Well, I soon want to be move in, in the next few months or so, but, I assume most of her benefits will stop, apart from carers allowance..

It's kinda scary... please don't diss about us not moving in together as soon as, etc, and that I do have debt to pay off too! =( still.

Just want to get an idea what changes, what stops, what could I get, etc..

many thanks
cyph

Two ways:

1) Morally, move in.
2)Financially, stay where you are!!!

If a system is so obviously b******s then screw it!

BigAunty

You can model the changes on the Turn2us online benefit calculator.

She keeps at the very least the child benefit and carers allowance. You might still be eligible for some tax credits, perhaps a little HB if you are a tenant, not sure but the calculator will identify this.

My general advice is not to focus just on the loss of benefits but on the savings that come from a combined household - only one lot of energy, food, telecoms, insurance, water bills.

Plus the intangible benefits that come from the company of living together, and setting a role model by raising your children so they think it isn't normal for parents in current relationships to live in different properties and don't grow up to have children scattered away from them because they 'want their own space'....

For your debt issues, go to the Debt Free wanabee board. They will come up with a strategy to help you pay it back in a manageble way or write it off. As you are probably aware, your personal expenses, including debt, don't influence the amount of benefits your household would get.

You don't detail the age of the children but if they are pre-school, she could look into the 15 hours free childcare she could get and if they are at school, she could look into getting a job.

heartbreak_star

She moves in and works from home/gets a part time job would be the ideal situation?

Also, what happens to her gran if she moves in with you?

HBS x

FBaby

Is the extra money she makes worth you not seeing your kids every nights and mornings, worth not helping your partner raising your two children, worth your children growing up in a united family, eating your meals all together, going out as a family? Is it worth the happiness of your children who surely would much much prefer to have both their parents with them all the time then whatever extra gadget they can get from the extra money their mum gets from tax payers?

Words fail me that any caring parents would consider money over the benefits of a tight family environment....