Am I entitled to Help?

Jobseeeker

These two people earning £22k and £25k for the same job, are they graduates? its normal for graduate to earn that salary for admin and a non graduate to earn about £13k

if not they shouldnt really be paying more especially to that one just in from the work programme

DevilsAdvocate1

Jobseeeker wrote: »

These two people earning £22k and £25k for the same job, are they graduates? its normal for graduate to earn that salary for admin and a non graduate to earn about £13k

if not they shouldnt really be paying more especially to that one just in from the work programme

You don't know what experience they both have though. The older you are the more likely you are to have years of experience, even if you have been unemployed for a while.

neverdespairgirl

Sinny12 wrote: »

I'm a little worse these next three months as I'll be paying off debt incurred whilst raising my deposite etc.

Beyond that, as of June 28th I'll pick up £1153 before tax.

Out of that here's my essential bills:

Rent £350
Electric £80
Funeral £15
DWP £15
Phone £15
Bus pass £50
Internet £20
Food £150

Tax 20%
Council Tax ???
Water???
TV??

Internet will be essential as I'm starting my OU degree.

This all before I have thought about clothes and any luxeries... For example I would like to budget £30 per month for my baccy - But I know that will result in a few of you giving me a lecture aha.

The benefits calculater is currently telling me I am not entitled to anything. I just wanted to double check that is the case.

I realise the above covers my essential bills - but it really hasn't left me much in terms of what I can spend on my self.

The good news is that you've seriously over-estimated what you'll pay in tax, it won't be 20% of the whole, only 20% above your personal allowance.

I reckon you monthly income will be £1,019.15 take home.

We have absolutely no way of knowing what your council tax would be - look it up on your local authority website, and remember you'll get a discount for being a sole occupier (I think it's 25% off), once you know the council tax band your new flat's in. For the sake of argument, say you're in Birmingham for council tax purposes (as you said you work there) and you're Band B (second lowest band) this would be £82 per month.

As I understand it, with your first TV licence you pay £24 a month for the first 6 months, and then £12 or so a month for the next 12 months.

Rent £350
Electric £80
Funeral £15
DWP £15
Phone £15
Bus pass £50
Internet £20
Council Tax £82
Water £25
TV 24

That gives a total for your bills (estimated water) of £676.

You therefore have a disposable income of £343.13 a month for food, clothes, holidays, whatever you feel like spending it on.

You are already paying quite a bit over what you'd need to pay for a room in a shared flat - totally your choice, but it's one that you need to pay extra for.

dodger1

£80 a month electricity for a studio flat !!!!!!!!!!!!!!! Switch something off for flip sake.

catwoman73

OP Can you get phone and internet for less than the £35 pm that you're currently paying? Perhaps a little bit more of a possible saving there?

corbyboy

Ha ha, the smoker who's worried that aspartame will give him cancer!

FBaby

I can't believe I've been working my but off for 5 years (since school) gained my qualifications and exsperience, and it feels like im still stuck in a catch 22.

So what you would prefer? A start of salary of £20K, but with no ever increase in your salary so you can look forward to still earning this in 40 years time?

You are just only starting your professional life, you still have a very long way to go. Most people don't get over excited at the prospect of working, especially after a few years, what gets them going though is the prospect of increasing their salaries and with that to enjoy things they couldn't afford before. You are young, have no one else but you to support, why do you think you should be earning more than what is more than enough to live ok so far? Do you really think that you work experience and education entitles you to a nice one bedroom flat, a holiday, and the rest? These are luxuries at your age, and something to aspire to, not to expect tax payers to contribute towards just because you think at 21 you are entitled to them.

shedboy94