One income working households (family)

Bournecrazy

Bear with me - first post, just signed up.

I am currently on maternity leave which finishes in October 2013, i am receiving maternity allowance of £80 p/w. My Husband works 40 hours a week (15K) benefits we get is only the standard child tax credits - £105 p/w (got 2 kids) and child benefit £33 p/w - Due to an over payment on last year i can not get working tax credits. We own our own home (with mortgage) pay all our bills and have no help with council tax.

My reason for posting is that before my maternity leave i was only working the weekends to save on paying for high nursery fees. I am wondering if i decide not to go back to work is there any other benefits that i could look at getting (or any other financial help) or would we just have to survive on the main income and would i lose any of the benefits that i am currently getting (mainly the £105 child tax credit) I only earned around £80/90 when i worked the weekends so its not the best paid job (spending £5 a day on travel costs really cuts into to it)

if anyone can give me a few points in the right direction (other than the benefits calculator)

Sorry if i've been rambling, hoped i got it all across

welshmoneylover

Bournecrazy wrote: »

Bear with me - first post, just signed up.

I am currently on maternity leave which finishes in October 2013, i am receiving maternity allowance of £80 p/w. My Husband works 40 hours a week (15K) benefits we get is only the standard child tax credits - £105 p/w (got 2 kids) and child benefit £33 p/w - Due to an over payment on last year i can not get working tax credits. We own our own home (with mortgage) pay all our bills and have no help with council tax.

My reason for posting is that before my maternity leave i was only working the weekends to save on paying for high nursery fees. I am wondering if i decide not to go back to work is there any other benefits that i could look at getting (or any other financial help) or would we just have to survive on the main income and would i lose any of the benefits that i am currently getting (mainly the £105 child tax credit) I only earned around £80/90 when i worked the weekends so its not the best paid job (spending £5 a day on travel costs really cuts into to it)

if anyone can give me a few points in the right direction (other than the benefits calculator)

Sorry if i've been rambling, hoped i got it all across

Let me get this straight, you want to give up work and expect the tax payer to keep you?

Am getting my popcorn ready!

paddedjohn

Sorry OP but unfortunately you will get to keep the child tax credits

xylophone

http://www.turn2us.org.uk
Have you tried this?

princessdon

£138 pw, tax free to be a stay at home parents.

Sighs .......


Ok, to answer your question, as you are a home owner then no you are currently getting all benefits you are entitled to, although you may get more tax credits depending on what you said at renewal and last years earnings.

midnight_express

I like eating out a lot, the theatre and cinema and I go on several holidays a year. How much taxpayers money can I get to pay for my lifestyle choices ?

princessdon

midnight_express wrote: »

I like eating out a lot, the theatre and cinema and I go on several holidays a year. How much taxpayers money can I get to pay for my my lifestyle choices ?

You don't get those on benefits! They are far too cultured

midnight_express

Oh please don't tell me I have to watch Sky and buy an xbox.

Pedent

midnight_express wrote: »

I like eating out a lot, the theatre and cinema and I go on several holidays a year. How much taxpayers money can I get to pay for my my lifestyle choices ?

Raising a young child is hard work and a social good, not a hobby. To compare it with these things is absurd.

midnight_express

Pedent wrote: »

Raising a young child is hard work and a social good, not a hobby. To compare it with these things is absurd.

Having children you can't afford is irresponsible and selfish. This country and the world are grossly overpopulated. The last thing we need is a welfare system that rewards the !!!!less breeders.

Bournecrazy

Christ almighty! i only asked for advice not abuse!

Even with the benefit money i get we still struggle each month to get by and in no way is it being fritted away on days out, takeout, fags, drink, games or even holidays.

Bringing up kids is hard - i wonder if you have any? things CAN in the 9 months between finding out and baby arriving, jobs change, things happen, cars break etc..

The reason i was thinking of giving work up was because if i went back full time or even working in the week. It is not worth it as the money i would earn in a day (approx £35-40) would be taken up with childcare and travel costs so i would be basically working to keep the kids in a nursery (which would cost me £80 a DAY!)

if anyone has anything nice and useful to say then i welcome it - Dont have anything nice to say dont say it at all. its my first time on this forum (and may well be my last because of you)