Advice needed please...

Lbstyling_2

Hello all,

I'm Steve.


My wife is pregnant :T:T and due in september!

Now wonderful as this is, I don't have a job for next year.

So I need to figure out what benefits we would get.

I would be unemployed, but spending my time fixing my home.
My wife would be on maternity leave @ 130 per w

We have 6000 in savings, but this needs to go on materials for the house.

Now, I was assuming I would have to get part time work, but the benefit calculator suggests that I would be worse off if I worked part time??

The 'entitled to' site suggests that I would get £13k a year if I didn't work, so would need to earn more then this? Does this sound right?

Darksparkle

What benefits is the £13,000 made up of?

Child benefit is £20.70 per week.

Tax credits would depend on the income for the tax year 2015/16 and expected 2016/17.

There wouldn't be housing benefit as you have a mortgage.

No JSA if not job seeking.

tomtontom

I'm not sure HouseDoerUppers Allowance has yet been introduced, so your opportunities for state reliance are limited. Can you not finish the essential work before September? Then anything else can be done on weekends and holidays.

swingaloo

With a child on the way you do not have the luxury of making the choice not to work.
You will have to do the essentials as soon as possible then the rest when you can afford to.

Topcat1982

Child benefit and possibly child tax credits. Wouldn't be £13k though.

Did you accidently put in mortgage payments as rent?

Lbstyling_2

It suggested interest payments would be covered.

The work that needs to be done is very extensive. I put a roof on it last year and heating is now in otherwise the house is essentially derelict!

It is not realistically possible to work extra in a NQT year teaching, the average week is 60+ hours.

Swingaloo, in my case I think that would be at best impractical at worst irresponsible.

lovetowinacar

Just a thought but if wife has been a teacher for several years would she not qualify for the standard teachers maternity benefits - full pay for a limited time and then reduced pay which would equate to more than £130 per week?

nannytone_2

what benefit would you be claiming to qualify you for help with mortgage interest?
also they will only start to pay interest after 30 weeks ... so almost 10 months before SMI would kick in ... and thats if you claim a qualifying benefit , which i don't see how you can

Topcat1982

Lbstyling wrote: »

It suggested interest payments would be covered.

Something's gone wrong. Try again, turn2us is a good one. Make sure you have the right information before you make a big decision.

Lbstyling_2

I thought £13k sounded unlikely. So wife would get £130 per week for maternity pay I think yes, but as neither of us would be working, can anyone suggest what kind of benefit is available?

Alternatively I can try for part time teaching, but its again unlikely I can get it in teaching in my NQT year, and the hours would be likely spread out over 4 or 5 days rendering it no good for me as you can't start pouring concrete and stop in the middle ( for instance) or disconnect the water supply, then return in a week.

Poppy9

Why not get a full time job and pay someone to fix the house?

Else get a job not in teaching but something you can do say 4 days a week and renovate the other 3 days.