No income for partner?

MrSweet1991

nimbo wrote: »

could she look for part time work for time you could look after the baby - thus negating the need to take them to nursery? Maybe 10, or so hours wouldn't be too much, and if she were to work I **think** 16 hours, then she may be entitled to working tax credits?

could grandparents help with childcare?

you may 'prefer' all you like, but if you need more income you have to try something... (I personally would prefer not to have to start work at 5.30 each weekday morning when I go to classes, but beggars can't be choosers right?)

DO look at grants websites, such as turn 2 us, and DO apply for the hardship fund.

They forms can be a pain the !!!! to fill in, but they can then result in a few hundred quid that don't need paying back...

Hi Nimbo,

Thank you for your input but I remember now from reading your advise about getting a part time job, that me and the mrs stumbled upon a loop hole. If my partner was to work we both though that we would probably be in the same boat or possibly end up with a negligible difference in income. What I mean is at the moment, we pay nothing towards household bills (have nice parents) pay no rent and so forth. However if she was to work, the tax credits would decrease and rent would also have to be covered, we assumed that adding rent and a deduction to child tax credit and benefit with a part time job would leave us probably in the same position?

My partner was interested in looking for work, but as I stated above it seemed as though it wouldn't really make much of a difference? If we're wrong about the negligible difference please explain as we would love to find a way out of this mess.

As for childcare I know that if push come to shove I know my Auntie would be more than willing to have him while she works.

As for working myself I'll have to have a little think as I'd hate to end up like my friend who works at Cadbury World doing the cleaning, honestly he pretends he's doing ok but he's slowly but surely failing his education to keep the work up, misses university the majority of the time and has little motivation to continue. I'm not lazy honestly, I've worked my !!! off to get to where I am now and in all honesty getting a normal paid job would have been fairly easy but I turned them down to hopefully get a good career that should benefit us all in the long run.

As for those grants I shall definitely have a look into them

Thanks for your time and advise

Dunroamin

If you're living rent free, getting student funding, tax credits and child benefit, I'd think that you should be able to manage very well.

MrSweet1991

Dunroamin wrote: »

If you're living rent free, getting student funding, tax credits and child benefit, I'd think that you should be able to manage very well.

We aren't coping to bad to be honest, but I was posting this more for the reason that I think SFE shouldn't have such criteria that stops partners getting income for themselves unless they are married or 25. To me it was like being penalised because I have a partner, it just makes things more difficult, it doesn't make it impossible to live on but it doesn't make it any easier having to half student finance for one person between two.

Errata

Why on earth didn't you research the financial side of thing before turning down jobs and taking on a degree course?
It's no use saying 'thought' because 'thought' followed a muck cart and thought it was a wedding.

pjread

[QUOTE=MrSweet1991;[URL="tel:64044218"]64044218[/URL]]We aren't coping to bad to be honest, but I was posting this more for the reason that I think SFE shouldn't have such criteria that stops partners getting income for themselves unless they are married or 25. To me it was like being penalised because I have a partner, it just makes things more difficult, it doesn't make it impossible to live on but it doesn't make it any easier having to half student finance for one person between two.[/QUOTE]

Sounds like you have it a lot easier than most students TBH. My loans barely paid the rent and a bar job was all but mandatory.

MrSweet1991

Errata wrote: »

Why on earth didn't you research the financial side of thing before turning down jobs and taking on a degree course?
It's no use saying 'thought' because 'thought' followed a muck cart and thought it was a wedding.

Calm down! and don't make assumptions. I was told by SFE that I was entitled to the adults dependency grant PRIOR to starting my university course which suited us both absolutely fine and I had planned out finances throughout the year (on an excel spreadsheet) to ensure I had everything on track!. It was only a week or two before I started that my SFE payments was updated on their website that shown it wasn't updated.

MrSweet1991

pjread wrote: »

Sounds like you have it a lot easier than most students TBH. My loans barely paid the rent and a bar job was all but mandatory.

Agreed pjread,

however my intentions to this post was only to see what peoples thoughts where to their criteria and to see if it affected anyone else in the same scenario as me, and I also stated that it's not that we can't cope I just said it makes things harder not being entitled to it.

Thanks for your response.

foolofbeans

No clue about the funding side but I'm pretty sure that you get the maximum child tax credit until you earn over £6500 per annum. You can get working tax credits if you are employed for more than 24 hours a week and as outgoings aren't taken into account I'm pretty sure you could only be better off that you are now.
It might be 16 hours a week depending on whether you are classed as not needing to look fro work.
Best thing to do is check out entitledto.com or the tax credits calculator for the amounts you could get depending upon the scenario.