BENEFIT CAP-Down almost £7000 help!!!

HappyMJ

zagfles wrote: »

But if she works 16 hours and gets WTC she'll be exempt from the benefits cap, so it will make her considerably better off if she's losing £7000 due to the cap. See http://www.dwp.gov.uk/docs/benefit-cap-factsheet.pdf

Plus if she works 16 hours on NMW she'll only lose IS plus a little HB, she'd still get CTC in full plus WTC plus childcare help.

I don't see the benefit. Earn £100 a week over 16 hours to pay £300 a week in childcare and claim £750 a week in benefits of which £300 of that is going out in childcare costs assuming the OP can limit those costs to £300 a week with 6 children. The OP wouldn't be considerably better off at all. If travel to child care and travel to work costs are taken into account the OP will be no better off at all. Hardly worth it.

zagfles

HappyMJ wrote: »

I don't see the benefit. Earn £100 a week over 16 hours to pay £300 a week in childcare and claim £750 a week in benefits of which £300 of that is going out in childcare costs assuming the OP can limit those costs to £300 a week with 6 children. The OP wouldn't be considerably better off at all. If travel to child care and travel to work costs are taken into account the OP will be no better off at all. Hardly worth it.

She'd get WTC instead of IS, WTC basic and lone parents elements are more than IS. So that's a small gain.

She'd get 70% of childcare paid by WTC, so £300pw would cost £90pw. Less than wages. so that's a small gain.

She'd likely get full (untapered) HB, as I doubt she'd be above the applicable amount as child ben doesn't count towards the AA yet the child allowances in the AA do include child ben amounts.

So that's a massive gain as rather than lose £7000 in benefits, she'd probably gain a little in benefits.

Though she would lose FSM (if in England) so maybe chop £1500 or so off, maybe £500 travel to work costs, so probably over £5000 better off in a 16 hour NMW job.

shedboy94

Faith177 wrote: »

That is a very black & white view on life Shedboy.

My mum had me & my brother 4 years 4 months and 1 day apart (I'm not lying lol). Within 8 months & 14 days of my baby brother being born my mum was a widow she was 28.

My dad was killed in a freak accident by a train he took the dog for a walk never came back.

You can plan things until you are blue in the face have all the protection in the world and then life throws you the biggest curve ball you can imagine.

I appreciate bad things happen in life, however there is a huge difference between supporting 2 children rather than 6.
Unless the o/p, when married, had a household income large enough to support 8 of them without any benefit help, then they were always going to rely on benefits to support them.
Unfortunately there are too many people who see having as many children as possible as a gold-mine due to the very generous child related benefits out there, however the government have now finally brought in a cap (although it still seems very high). In reality it won't actually affect the majority of people, however the ones it will affect are still receiving £26000 a year in their hand, and most will have little housing costs to pay out of that. The vast majority of people don't earn anywhere near that amount BEFORE tax and still have full rent/mortgage costs to pay out.

Rock_Bottom

I'm on benefits and find it extremely difficult making ends meet, not only does the goverment make it even more difficult by grabbing back some of my benefits and then gives me a small rise for the cost of living but the shops seem to put their prices up daily ... and to top it all me chippy has raised the price of a bag of chips .. sacrilege ... on the good side, Sainsbury's has recently reduced the cost of a bottle of my favourite rum, and the local Pakistani shop is doing a roaring trade in illegal tobacco (allegedly)

93123

shedboy94 wrote: »

"We" haven't done anything - you are the one who chose to have 6 children despite not being able to afford them yourself, instead relying on the state to provide for them.

You are claiming through choice - you chose to have 6 children, and chose to claim benefits to support them.

If you are indeed affected by the benefit cap it means you are still going to get £26000 a year...TAX FREE. I would hardly call that poverty.

People come here for advice and members should help, not patronise. ... You don't know their situation so back off a little.

MissMoneypenny

Get over to the debt free wannabe board for help on how to cut down on your outgoings.

Then over to the old style board for help on cooking healthy meals from scratch: which is a much cheaper and healthier way to feed you family.

MissMoneypenny

HappyMJ wrote: »

. Shop only at Aldi/Lidl.

Buying meat can be cheaper at a butcher.

Go to your local markets at the end of the day when fruit and veg are really cheap. Boxes of fruit and veg are sold for £1.

The old sytle board will help you with meal planning so that you can stick to a budget for food. As someone said, you will be getting all their school dinners for free still.

Rock_Bottom

93123 wrote: »

People come here advice and members should help, not patronise. ... You don't know their situation so back off a little.

I concur ... but ... although we are having it rather difficult financially, we are doing it for the good of the country and for future generations, we must also not forget that we do it for our MP's who can sit back smuggly and contemplate their next massive pay rise ... I always knew that exposing the MP's expenses and the scandal it caused was a big mistake.

shedboy94

93123 wrote: »

People come here advice and members should help, not patronise. ... You don't know their situation so back off a little.

Their situation is that they chose to have 6 children and are now complaining that the government is going to cut their benefits to just £26000.

Rock_Bottom

I am a pensioner, thank the Lord and Gordon Brown for my free bus pass. :cool: