stay at home Mum

maggieann2luke

Dunroamin, I only wish we were on £35,000 a year, our income is more like £20,000 and my daughter and her partner about the same.

Dodger1, if the council built more homes where the work etc is that would be fine.Don't even think about private renting at around £800.00 a month.

Vassa, our car is almost 11 years old so I won't get far changing it and using left over cash to pay bills. We don't smoke, drink, go out for meals and we've never been on holiday anywhere. The last clothing I bought myself was a fleece jumper from a charity shop so I don't have to light the fire until about 8pm, it heats the hot water and radiators.

Our daughter rang the Jobcentre earlier,gave them all the financial details and explained about the children and me being unable to look after them. They are only entitled to child tax credit, that is all, she will get nothing else. They will get 70p. Council tax benefit and £2.00 rent, not even the price of 2 loaves of bread in our shop.

As for saving petrol, I've only just found out I have to make an 80 mile round trip for a pre-op assessment, aaarrrggghhhh.

maggieann2luke

Princessdon, I'm not sure which way to take your comment. We're trying our best to cope as we are, I would love to work but can't. If we cut back any further we'll have nothing except ill health and depression is creeping up on me yet again. Hell I hate being 60, worked all my life and now a blubbering wreck - again

princessdon

maggieann2luke wrote: »

Dunroamin, I only wish we were on £35,000 a year, our income is more like £20,000 and my daughter and her partner about the same.

Dodger1, if the council built more homes where the work etc is that would be fine.Don't even think about private renting at around £800.00 a month.

Vassa, our car is almost 11 years old so I won't get far changing it and using left over cash to pay bills. We don't smoke, drink, go out for meals and we've never been on holiday anywhere. The last clothing I bought myself was a fleece jumper from a charity shop so I don't have to light the fire until about 8pm, it heats the hot water and radiators.

Our daughter rang the Jobcentre earlier,gave them all the financial details and explained about the children and me being unable to look after them. They are only entitled to child tax credit, that is all, she will get nothing else. They will get 70p. Council tax benefit and £2.00 rent, not even the price of 2 loaves of bread in our shop.

As for saving petrol, I've only just found out I have to make an 80 mile round trip for a pre-op assessment, aaarrrggghhhh.

So they get £650 a month in tax credits, plus CB plus a small amount of HB and CTB. The tax credits and CB alone are £852 a month alone.

princessdon

maggieann2luke wrote: »

Princessdon, I'm not sure which way to take your comment. We're trying our best to cope as we are, I would love to work but can't. If we cut back any further we'll have nothing except ill health and depression is creeping up on me yet again. Hell I hate being 60, worked all my life and now a blubbering wreck - again

Your daughter can work, she can work from home, take in washing or as suggested clean homes or childmind. None of which you respond to at all, you just keep putting barriers up. Not one suggestion has been met positively.

vassa

maggieann2luke wrote: »

Dunroamin, I only wish we were on £35,000 a year, our income is more like £20,000 and my daughter and her partner about the same.

Wow I wish I earned £20k per year, I could seriously make that stretch to 2 years.

Dodger1, if the council built more homes where the work etc is that would be
fine.Don't even think about private renting at around £800.00 a month.

Well what is your daughter's monthly incoming and what is the monthly rent + outgoings? If you tell us we may be able to help suggest more things.

Vassa, our car is almost 11 years old so I won't get far changing it and using
left over cash to pay bills. We don't smoke, drink, go out for meals and we've
never been on holiday anywhere. The last clothing I bought myself was a fleece
jumper from a charity shop so I don't have to light the fire until about 8pm, it
heats the hot water and radiators.

Hm fair enough, maybe that idea is a non-starter then.

Our daughter rang the Jobcentre earlier,gave them all the financial details and explained about the children and me being unable to look after them. They are only entitled to child tax credit, that is all, she will get nothing else. They will get 70p. Council tax benefit and £2.00 rent, not even the price of 2 loaves of bread in our shop.

Not sure those figures are even remotely correct. You sure she's explained it to you properly?

Also, she should be making her own bread, it's easy and maybe 5x cheaper than shop-bought stuff. And nicer. And fresher.

KxMx

maggieann2luke wrote: »

Princessdon, I'm not sure which way to take your comment. We're trying our best to cope as we are, I would love to work but can't. If we cut back any further we'll have nothing except ill health and depression is creeping up on me yet again. Hell I hate being 60, worked all my life and now a blubbering wreck - again

If you are unable to make further cut backs what about your daughter's family are they able to?

It seems as though they will not be entitled to more benefits so cutting outgoings is the only answer.

vassa

KxMx wrote: »

If you are unable to make further cut backs what about your daughter's family are they able to?

It seems as though they will not be entitled to more benefits so cutting outgoings is the only answer.

To be honest if the £800 odd quid quoted by someone else for benefits they're on is correct, and her husband works, I don't have any sympathy as they're clearly over spending; when I worked at Amazon I was doing 30 hours a week, taking home roughly £800 and was running my £500 a month flat. It teaches you to be frugal. Or moan about it. One or the other.

As mentioned previously though, every suggestion is met by woe is me when to cut costs and live a better life you need to proactively seek areas to cut down on. I fear for the OP this is too much like effort.

princessdon

vassa wrote: »

To be honest if the £800 odd quid quoted by someone else for benefits they're on is correct, and her husband works, I don't have any sympathy as they're clearly over spending; when I worked at Amazon I was doing 30 hours a week, taking home roughly £800 and was running my £500 a month flat. It teaches you to be frugal.

As mentioned previously though, every suggestion is met by woe is me when to cut costs and live a better life you need to proactively seek areas to cut down on. I fear for the OP this is too much like effort.

Link to the table showing 3 children and £20k wages. Then add CB. It's very accurate.

http://www.hmrc.gov.uk/taxcredits/people-advise-others/entitlement-tables/work-and-child/work-no-childcosts.htm

seven-day-weekend

Could your daughter take in a lodger? Childmind? Do an Avon round? Share childcare with another parent?

You just seem to be focussing on the fact that there are no more Benefits. If they earn £20k that is £325 a week, as well as the £200 a week tax credits,and the Child Benefit (£57) - a couple of grand a month, after tax, they surely should be able to manage on that?

Dunroamin

Just a thought and following on from something you said earlier - you do know that she wouldn't have to pay for childcare out of the CTC she gets at the moment - that would be an extra amount.