Tax Credit withdrawal rate means we work for 30p/£1!!!

grahamliza4

Also, Elle 83, does the 83 mean born in 1983? And if so you are only 1year older than me (1984), and the crack about 'up the duff young' was just wrong.

grahamliza4

Elle83 wrote: »

You go on with your "waahhhh everyone else has an easier life than me" attitude and see how far it gets you in life. We've all got a sob story to tell hun and I'm pretty sure mine in full detail would put yours to shame. But I don't come on here to slate entire demographics; I come to seek positive and pro-active advice on how to continue to improve my situation.

BTW MENSA would be pretty disgusted at your spelling and math (no "s"). My IQ is also in the top 2% (well, top 1.4% actually) but this doesn't mean I am entitled to a better standard of living that the other 98% of the population. Things like social skills, empathy and consideration for others are all part and parcel of creating opportunities for ourselves in life. Different people have different strengths and weaknesses with academic intelligence or IQ potential being one of many.

Can't be a***ed anymore. You're an ignorant muppet who despite being capsed at doesn't take anything on board... :rotfl:

I think your use of the term 'muppet' has made things pretty clear to me!

I now have a good mental picture built up of you.......
:rotfl:

bonnie_2

Done that soa yet.

grahamliza4

As bonnie suggested, here is a SOA - wasn't sure of way to set it out so have just listed it all.

Any suggestings would be welcome as I'm not some 'ignorant muppet' (hee hee hee) and always welcome sensible suggestions!:D

Monthly DDs

Rent £350
C.Tax £120
Landline £15
Electric £50 (old house, computers on lots for business, did shop around)
2 x Mobiles £40 (I claim mine as business expense – therefore free-ish &we each need one to communicate about picking up kids etc as our work changes daily and he needs to be able to reach me at clients)
Water Rates £13 (septic tank/soakaway)
Loan £332 – to consolidate debts we’ve run up through combination of study costs/low wages over past 4 years
Car Ins - £85 for two cars as we are only 22&23 and Husband has 3points as he is an idiot – need two cars to work/get to college,

£1005

Stuff paid weekly/monthly/annually that I have average over past 6mnths from our spending

Petrol - £225 – live 10miles from nearest town, plus I drive for work, again partially tax deductible at year-end
Food – £350 I buy organic and would rather my kids ate the plastic tray it came in than Tesco value meat or waxed fruit
Septic tank - £12 running costs
£110 - Course fees ME (NOT tax deductible)
£58.30 – Course fees Husband (work pay a bit)
£10 – TV licence
£83 – Heating Oil for water etc
£555 – childcare!
£35 – kids shoes, stuff for house/garden/the little thing everyone buys like sanitary towels, clothes (Tesco), toys,
Home insurance - £9

£1447.3

TOTAL OUT - £2452.30

Husband wages - £1250 (no overtime)
Overtime - £150 (sometimes there, sometimes not – this is an average over 6m)
Me - £415
Child Benefit - £120.80
Tax Credits - £401 – they currently pay for 54% childcare costs

TOTAL IN £2336.80 – short by £115.50

Argghh! Forgot MOTS, car reapirs, tax, etc, so say 2 cars at £300 year each? Thats and extra £50 per month so we are £165.50 short!

bonnie_2

If your short you just can't afford to buy organic food, it's way too much on shopping plus the £35 extra as well that £115 overspend a month adds up to £1380 a year in debt. We take home £2000 a month and spend £1294 but we haven't 2 cars, whats the point of eating organic and driving two cars. Thats a huge ammount for petrol, we average £80 a month and thats with hubby going to work and the school run and kids activities. Having 2 cars is really a luxury and so is organic food i tried it for a while but it is too expensive to be regular.If your only earning £415 and paying £555 a month in childcare i would stay at home until the kids go to school and get the extra tax credits on hubbys wages otherwise your just going to end up in more debt.

TheWaltons_3

Math does have an 's' in it - for example

Math's - it is an abbreviation of Mathematics.

Correct me if I am wrong.

grahamliza4

bonnie wrote: »

If your short you just can't afford to buy organic food, it's way too much on shopping plus the £35 extra as well that £115 overspend a month adds up to £1380 a year in debt. We take home £2000 a month and spend £1294 but we haven't 2 cars, whats the point of eating organic and driving two cars. Thats a huge ammount for petrol, we average £80 a month and thats with hubby going to work and the school run and kids activities. Having 2 cars is really a luxury and so is organic food i tried it for a while but it is too expensive to be regular.If your only earning £415 and paying £555 a month in childcare i would stay at home until the kids go to school and get the extra tax credits on hubbys wages otherwise your just going to end up in more debt.

The tax credit pays £300/£555 worth of childcare.

Work or no work we need the two cars. Otherwise I'm here all day everyday 6m from nearest village, cant even take them to free playschool. Plus husband drives from place to place around 1 day/week for work (milage allowance!) so he couldnt do his job.

I grow 50% of the fruit&veg we eat here in the garden. We keep chickens&ducks too. In the shopping I was including nappies, cleaning stuff, toiletries, etc, too. The organic is not an option. If you'd seen the men out in the fields spraying lettuces in full body suits to protect them from the chemicals they put on our food, the battery farms, the cows who can't walk to the milking parlour as they are f****d on growth hormones you'd eat organic too. I source it all in bulk as cheap as poss - I spent time researching it all to make sure I was getting best prices. I don't eat organic to save the planet, I do it for the children - don't want them growing up made of all the awful things they do to the animals and spray on veg.

We live 10m from nearest town, 20m from nursery and it's a long way for Husband to drive to work, and yes some of the petrol is for me and my work but that's tax deductible at year end. I would buy the conversion kits for bio fuels if I had a spare £8000 to buy a new enough car to fit them to!

And If I don't work I can't study as you need to build evidence and apply the knowledge etc. If I quit now in the last year by the time I go back in three years when both boys are at school I have to start the entire 3years again as the exams standards change.