tax credits cut so low-advice please

shegirl

Op, I've just done a quick calculation on the turn2us benefits calculator for you.

I done it based on your weekly income and the gross pay of your husband based from the 1300 net pay you found. That would give 1545 gross pay approx. a month

I done it based on 4 kids, going by your username on here, and put it in as no change in income from last year.

That gives a child tax credit calculation of £183.58 a week

So, he's either earning more now than the wage you found or there's an overpayment being paid back,I would say.

BigAunty

merlin68 wrote: »

Perhaps you could explain to him that ctc is for the children its not to pay the rent with. That is just wrong.
you both should receive a copy of the tax credit award letter. Has he hidden them from you.

I think the notion that CTC is solely and purely directly for the children is wrong. It's a form of household income that goes towards the general household purse. It's purpose is to stop poverty in the household from affecting the children. Recipients of CTC/CB can spend it across general household bills, not specifically having to book mark it pound for pound on children.

The bottom line is that the partner is secretive about their income (and presumably debts) and has unfairly partitioned the bills which leaves the OP close to destitution at a personal level. Though the household expenses are largely met by him (as you would expect as he's the main earner), she is disadvantaged.

I do agree that the responsibility that she must pay the rent out of the CTC is probably the main trigger for her hardship as it leaves her with nothing in the way of personal spending but I believe CTC can't be used towards any household bills in general.

Perhaps the OP has to be bold and say to her partner 'I want £x for personal spending each week' (say £50 or £100) so what will you pay more towards to release this or what must we cut back on so I can enjoy a fairer degree of disposable income that you have? Paying the rent out of the CTC is not feasible to continue'.

nannytone_2

how do you know that you don't qualify if you don't know how much he is earning?

without knowing your debts, i would estimate that after he's paid everything he is responsible for, he must have at least £300 a month in his pocket

shegirl

nannytone wrote: »

how do you know that you don't qualify if you don't know how much he is earning?

without knowing your debts, i would estimate that after he's paid everything he is responsible for, he must have at least £300 a month in his pocket

Yep, and going by child tax credits it looks like he's now bringing home more than 1300 a month too so he'll have more to himself.

Op,please go to the relationship board

bloolagoon

blondebubbles wrote: »

I got £181 when I calculated so pretty much the same as you.

Plus there would be child benefit of £62 per week.

The OP should have an income of £337 per week, including wages.

So total household income per month would be £2760.

So around a £40,000 salary take home.

definitely a budgeting and or a relationship issue.

mumof4littleguys

Thankyou so much everyone for all your help. I realise now that it is not a ctc issue atall and I was wrong.
I spoke with my husband today and he said yes indeed he had a pay rise this year of £450.
I asked him if we could sit down tonight and write down all our income and outgoings as I am left with too low money and he said he does not want to do that as he already knows what he pays out and he has £200 left over at the end of the month.
This is obviously a relationship issue but one I dont have the power to fight.
I really do appreciate all your help and advise, thankyou.

bloolagoon

mumof4littleguys wrote: »

Thankyou so much everyone for all your help. I realise now that it is not a ctc issue atall and I was wrong.
I spoke with my husband today and he said yes indeed he had a pay rise this year of £450.
I asked him if we could sit down tonight and write down all our income and outgoings as I am left with too low money and he said he does not want to do that as he already knows what he pays out and he has £200 left over at the end of the month.
This is obviously a relationship issue but one I dont have the power to fight.
I really do appreciate all your help and advise, thankyou.

£450 won't account for the drop. You need to get relationship advise. Personally I'd ring tax credits and ask them his deckared income.

NYM

mumof4littleguys wrote: »

Thankyou so much everyone for all your help. I realise now that it is not a ctc issue atall and I was wrong.
I spoke with my husband today and he said yes indeed he had a pay rise this year of £450.
I asked him if we could sit down tonight and write down all our income and outgoings as I am left with too low money and he said he does not want to do that as he already knows what he pays out and he has £200 left over at the end of the month.
This is obviously a relationship issue but one I dont have the power to fight.
I really do appreciate all your help and advise, thankyou.

You do... but maybe you're just not up for it right now.

shegirl

mumof4littleguys wrote: »

Thankyou so much everyone for all your help. I realise now that it is not a ctc issue atall and I was wrong.
I spoke with my husband today and he said yes indeed he had a pay rise this year of £450.
I asked him if we could sit down tonight and write down all our income and outgoings as I am left with too low money and he said he does not want to do that as he already knows what he pays out and he has £200 left over at the end of the month.
This is obviously a relationship issue but one I dont have the power to fight.
I really do appreciate all your help and advise, thankyou.

A pay rise of £450 wouldn't do it,unless it was monthly and then I'm not sure how much you would lose.

If he only has £200 a month left over I'd be wanting to know where the rest has gone. I'm also concerned that he very clearly wants to hide all of his money from you.

BigAunty

I understand that you are exhausted about the prospect of trying to change your partner's attitude and behaviour. It's clear he doesn't care about how financially disadvantaged you are and he's secretive about income and expenses, shutting you out of the joint financial awareness that most couples have.

However, the daily disposable income you have will barely buy you a Mars Bar and the other posters here indicate he's may be misleading you.

Have a look at the Womens Aid website and see if anything chimes with you in case there is other disrespectful behaviour you are experiencing that you perhaps would not rather share with forum members.

I'd love you to tell him 'From the next CTC, I won't be paying the rent, I'll be keeping it for other expenses, deal with it' but I can see why you would have no appetite for this.