More money working part time than full time? Am I going mad?

vinster549

MrsE wrote: »

Regardless of your intentions it just goes to prove how crazy & unfair the benefits system is, that it's more rewarding for two people to do one part time job between them, then both work properly - which is what most people do.
Benefits should NOT pay in excess of the
Minimum wage.
Is there any reason why you can't both work?
That's what most people I know do.

ETA - did you expect any of us to say sure, tell your husband to give up work & we'll support your family?

I am currently a stay at home mum, I don't want my children in child care being caught up by strangers. I understand it suits some people but not us.
And I totally agree, benefits should not be so good.

vinster549

blondebubbles wrote: »

Are either of you looking for employment? This would ensure you had a regular income

As previously stated my partner works full time atm

vinster549

tinkledom wrote: »

Let's put it this way.


We hear very little about when ordinary people plan, rearrange their financial affairs in such a way that they only pay the minimum amount of tax that they have to. It may simply be moving some capital about so as to maximise the use of the personal allowances. It may mean deferring the sale of an asset until the next financial year to avoid Capital gains Tax. A simple trust may be set up to avoid Inheritance Tax.
I very rarely hear complaints and criticisms about that sort of activity.


Yet people have the sheer nerve to complain and object if someone wants to maximise their benefit entitlements. I have experienced this myself when I was told many times that even if you are entitled to a benefit, you should not claim it if you don't really need the money.
And as with the poster who is also re-arranging their affairs to maximise their income, - all hell breaks loose!


Sorry but many on here are hypocrites.

Thank you for that

SiroGarmr

so... much... judgement...

vinster549

FBaby wrote: »

How many couples who have made the decision to live off benefits have thought that it would only be temporary. If you are deciding to give up work because you are better off working minimum hours how can you confident that your professional situation will get better soon so you can start to earn more than you have so far? You talk about starting your beauty business. Have you researched how many of these bring enough income to not have to rely on any benefits how hard you would need to work to make it successful? Do you really want to trade and become the one who hardly ever see your kids because of what it will take to make your business profitable.

We wouldn't be living just off benefits as I would be working.
And yes I have. I am already a qualified beauty therapist.
Even on his wages now we are on benefits so it's not like we would be giving up a great job that takes us out of the benefit system.
This is to improve ourselves and our lives for our children.

vinster549

Sorry, the lives OF our children

Angelicdevil

tinkledom wrote: »

Let's put it this way.


We hear very little about when ordinary people plan, rearrange their financial affairs in such a way that they only pay the minimum amount of tax that they have to. It may simply be moving some capital about so as to maximise the use of the personal allowances. It may mean deferring the sale of an asset until the next financial year to avoid Capital gains Tax. A simple trust may be set up to avoid Inheritance Tax.
I very rarely hear complaints and criticisms about that sort of activity.


Yet people have the sheer nerve to complain and object if someone wants to maximise their benefit entitlements. I have experienced this myself when I was told many times that even if you are entitled to a benefit, you should not claim it if you don't really need the money.
And as with the poster who is also re-arranging their affairs to maximise their income, - all hell breaks loose!


Sorry but many on here are hypocrites.

Whilst I don't condone tax avoidance, although legal, what a lot of people don't realise is that the majority of people who can afford to do this kind of thing are paying more tax in a year than most people will pay in a lifetime.

So it's hardly comparable or anything to get het up about really, when you look at the facts.

FBaby

If one or both of them have been working enough to put money in the benefits pot, then aren't they funding themselves...?

Sure, as long as they are happy to then contribute solely to the social and health care they will most likely require in old age. They would need to start saving now though.

We wouldn't be living just off benefits as I would be working.
And yes I have. I am already a qualified beauty therapist.
Even on his wages now we are on benefits so it's not like we would be giving up a great job that takes us out of the benefit system.
This is to improve ourselves and our lives for our children.

Just off or most off is not that different though is it? What you should aspire to is to not rely on any benefit at all. How does deciding to give up his job is an improvement on yourself when what it means is becoming even more reliant on benefits? Working as few hours as possible so you can spend more time with your children will only benefit them to a certain level. It won't teach them the value of hard working and investing for the future.

In any case, it seems that you have made up your mind. You see an opportunity to have a little more money being at home and living off the tax payers and think that this will benefit your family. Nothing that others can change your mind about. Good luck for your future and hope your business does become successful so that you can one day come off benefits all together and you can come here and prove me and other posters wrong.

MrsE_2

vinster549 wrote: »

I am currently a stay at home mum, I don't want my children in child care being caught up by strangers. I understand it suits some people but not us.
And I totally agree, benefits should not be so good.

It shouldn't be optional........

Where on earth has this culture evolved from that a life living off others is an option?

Can you imagine if everyone wanted to live off benefits? Or if every one wanted to get more in "tax" credits than they ever pay in tax?

vinster549

Look all we want is a better home life for our kids and for us that means daddy being home more. We do not want lots of money and nor do we expect it. I don't expect my beauty business to bring in a wonderful retirement fund. We want that business to enable us to be at home more. The business will be from home.
Yes we would love to not claim any benefits, as would most people I think and maybe in the future we would be lucky enough to not have to.
My original post actually was only enquiring if any body else had come across the fact that you could be financially better off.
Also I do think that at my children's ages the best thing for them is to spend as much time with mummy and daddy as possible. When they are older they will learn the importance of working, saving and aspiring to do do better. But for now we think it is more important to have family time together. They grow up so quickly these days if you're not careful blink and you will miss it. Our time with them is much more important than money ever will be.
So even if me going to work part time would have left us £10-30 per week worse off we would still be very much so considering it because of the long term plan.