Partner works but struggling to get by because of me.

lolls89

Hello,
I hope someone can give me some advice as I'm pretty lost and confused.

My partner works 55hrs a week self-employed, I am un employed, we have a daughter, 6, and we're struggling to make ends meet.
I have had a few interviews recently but I am struggling to get through them as 6 months ago I had an accident which has resulted in me not being able to use my dominant arm and causes me a great amount of pain, I also think this is putting potential employers off.

We currently claim child benefit and tax credits.

I don't know were to turn as we are getting further and further in to debt trying to pay our bills.

I would really appreciate any advice.

DUTR

I guess you have to re-budget and live within the income once any debts are cleared, perhaps he could get some business advice on the self employment, he could be in a line that has much competiton or simply does not financally reward vs being employed.

pmlindyloo

lolls89 wrote: »

Hello,
I hope someone can give me some advice as I'm pretty lost and confused.

My partner works 55hrs a week self-employed, I am un employed, we have a daughter, 6, and we're struggling to make ends meet.
I have had a few interviews recently but I am struggling to get through them as 6 months ago I had an accident which has resulted in me not being able to use my dominant arm and causes me a great amount of pain, I also think this is putting potential employers off.

We currently claim child benefit and tax credits.

I don't know were to turn as we are getting further and further in to debt trying to pay our bills.

I would really appreciate any advice.

As your partner works I cannot think of any other benefits you may be able to claim.

Depending on your partner's income you may be eligible for housing benefit and council tax reduction. Difficult to say without knowing your partner's income (as declared from self assessment)

You might be better off posting some details on the debtfree wannabe forum where there are many who will give you tips to reduce your expenditure.

You could try putting your details into a benefit calculator here: https://www.entitledto.co.uk

You could also try looking at the criteria for Personal Independence Payment if your disability means you have care/mobility needs (do some googling) This is not means tested so your partner's income won't affect it.

Are you getting some help from your doctor regarding your arm? Is this going to be a long term problem?

lolls89

DUTR wrote: »

I guess you have to re-budget and live within the income once any debts are cleared, perhaps he could get some business advice on the self employment, he could be in a line that has much competiton or simply does not financally reward vs being employed.

Thanks for your quick reply,

We have re bugeted but we're so out of our depth. This week we done a basic shop, paid a few of the most important bills/debts and then we had £3 left for the rest of the week.
He's a self employed sub contractor so he doesn't technically run his business and recieves a set wage every week.

xylophone

Have you tried http://www.stepchange.org/ as a start?

Have you asked your doctor about a pain management clinic?

https://www.gov.uk/looking-for-work-if-disabled/looking-for-a-job

lolls89

pmlindyloo wrote: »

As your partner works I cannot think of any other benefits you may be able to claim.

Depending on your partner's income you may be eligible for housing benefit and council tax reduction. Difficult to say without knowing your partner's income (as declared from self assessment)

You might be better off posting some details on the debtfree wannabe forum where there are many who will give you tips to reduce your expenditure.

You could try putting your details into a benefit calculator here: had to delete this link as the forum won't let me qoute with it

You could also try looking at the criteria for Personal Independence Payment if your disability means you have care/mobility needs (do some googling) This is not means tested so your partner's income won't affect it.

Are you getting some help from your doctor regarding your arm? Is this going to be a long term problem?

Thank you for your reply.

He earns too much for council tax benefit and we have a mortgage.
I'll have a look at that forum thank you.

I've looked at the PIP but I find it very confusing. As some of the criteria I can't do and others I can but it causes me alot of pain.

Yes I am still under a consultant, being referred on to a specialist and I attend physio once or twice a week.
Yes it seems like its going to be a long term problem and they have told me to only expect to gain 80% use back.

lolls89

xylophone wrote: »

Have you tried step change as a start?

Have you asked your doctor about a pain management clinic?

/looking-for-work-if-disabled/looking-for-a-job]

Thank you for your reply.

My partner rang step change (the debts in his name) and as he has a car loan on his car he would have ended up losing the car which is his transport to work.

No, to be honest i've never heard of one.

aggypanthus

What about ESA for yourself. ?

lolls89

aggypanthus wrote: »

What about ESA for yourself. ?

I don't think i'd be able to claim as m,y partner earns too much and I don't think I have enough NIC.

merlin68

Why would you loose the car?

McKneff

Is he putting money to one side for his tax and NI payments when they are due.


Do an SOA and we will help you budget.