Help Needed, what are we entitled too

gemmajones1221

I appreciate your post but believe me, we really dont feel guilty about fusion the system that is available, my husband is 45 and been working non stop 50hrs a week since he was 18 so now we are going to enjoy life as we have paid more than the fair amount in for other people to benefit

gemmajones1221

Why do most people plan so far in the future, Ive witnessed so many friends sadly pass away this last few years from various reasons and has given me a whole new perspective on life itself. Yes I understand we have to make certain provisions for our future and for the future of our children, it sounds bad but I know my children will be looked after with inheritance (a long story but essentially my grandparents are skipping us as a generation and it will all go to the kids). This will give them the stepping stone in life we never had and on their 18th birthday they will have enough money combined to hopefully buy a house and start them on their successful path.

I think the here and now is far more important than the future for us, lets face it 43 year olds are no spring chickens and who knows what life will throw at us.

All we want is to enjoy the life we have left and to capitalise on what is out there now, I think WTC will turn into universal credit in Nov anyway.

We have just had enough of walking the line only to be screwed over by the system so now its time to work it to our advantage

KxMx

Have you taken into account that benefit eligibility isn't fixed?

You may go on this path and suddenly find you no longer qualify for so much help when the rules change.

Then you can't get back into ft work etc.

Some benefit changes affect both new and existing claimants.

Cheeky_Monkey

gemmajones1221 wrote: »

Now before I start I don’t want anyone thinking we want to go on benefits as we are a very proud family

But that's exactly what you do want isn't it so that quote from your OP is BS.

Obviously your 'family pride' doesn't extend to working hard to fund your lifestyle yourself rather than being on benefits

parkrunner

gemmajones1221 wrote: »

I appreciate your post but believe me, we really dont feel guilty about fusion the system that is available, my husband is 45 and been working non stop 50hrs a week since he was 18 so now we are going to enjoy life as we have paid more than the fair amount in for other people to benefit

So no different to most people then. Your sense of entitlement is awful, I'm out.

FBaby

my husband is 45 and been working non stop 50hrs a week since he was 18 so now we are going to enjoy life

Do you actually think that your OH is hard done by? Because he is doing nothing different to the vast majority of people his age. I work 50 hours including travel and my OH more and we've been working since we were 18. That's very NORMAL.

Why do most people plan so far in the future, Ive witnessed so many friends sadly pass away

for all those who have sadly passed away, there will 10 times more who will go on to live in their 90s, maybe 100.

Do what you think is right, work as few hours as possible for as long as possible, make little provision for your retirement but don’t then come crying that you are left having to work until you’re 70 (probably what retirement age will be by then) having to survive on minimum pay (because after years of such work, you/your husband will be lucky to find anyone willing to give you a good paid job), moaning that your neighbours (the very stupid ones right now who are both working 50 hours and look shattered and won’t go to any parties because they can’t stay up after 10pm) got to retire early at 60 and post lovely pictures of their travel abroad because they are so much better off now that their kids have left the house whilst you still have to get up every day to go to work but not able to afford to go away even for a week-end, and then again when your 90 (because the odds are that you are more likely to reach that age and more than not make it pass your 60s) and they get to stay in their lovely home looked after by very nice carers whilst you’ve got years to go in a cheap smelly council funded home. It’s made even worse that any inheritance would bypass you. Or maybe you'll expecting your children to support you in the future?

But yeah, you’re absolutely right, you’re definitely making the right choice for you and your kids!

Lioness_Twinkletoes

gemmajones1221 wrote: »

Happydays3, Thanks so much. Reading your post put things into perspective

Many of these comments are by simple minded Conformists, the type of people who stand in a queue just because you are supposed too and is what is expected of you and what has always been done, Its time to break the trend

Its time to take some risks and if that means us using what is available then we will. Unfortunately the system is broken and hopefully one day will start a revolution. With lower wages and more work society will be so depressing they must first destroy our ability to revolt.

Here is to 2018 being a year of less work and more life

I was taking you seriously until I read this drivel. Revolution, my @rse. You just want to leach from the taxpayer. At least be honest about it.

Still, given me a good laugh so thanks for that.

curty510

gemmajones1221 wrote: »

Here is to 2018 being a year of less work and more life

If you have savings to do so or will make cutbacks i agree. But to expect the taxpayers to fund this more relaxing life.......:T

meer53

[QUOTE) I appreciate your post but believe me, we really dont feel guilty about fusion the system that is available, my husband is 45 and been working non stop 50hrs a week since he was 18 so now we are going to enjoy life as we have paid more than the fair amount in for other people to benefit[/QUOTE]

Wow :eek: Just Wow :eek:

Another poster who thinks that working and paying taxes/NI is some sort of personal savings account. I'm fuming :mad::mad::mad::mad:

OP, !!!!!! do you think would happen if everyone thought like you do ?

pipkin71

My opinion, Gemma, is that you need to do what is right for your family. There are going to be people who disagree with you, whatever you decide but only you can make the call.

My circumstances are different as I have long term health issues, but I valued being at home with my children and spending more time with them. They are soon out of the house more than they are home so I'm glad that our circumstances gave me that option. (Not so glad that it was achievable only because of poor health, but I look at it positively.)

It is true, that once they reach a certain age, the money received through child tax credits, drops significantly. For my eldest child, that was age 19 and my youngest, age 18 as that was when they finished full time education. Knowing it would happen though, I could deal with that so that it didn't have a massive impact.

Now, I work from home, working 16 hours due to my health, so I claim the disability element of tax credits. My situation worked / works for my family and you will make your situation work for yours. There have been some good suggestions with regards your SOA. Come over to the old style board, there are always some great ideas on there as well, even if you decide on the benefit route.

Good luck with it and I hope that whatever decision you make, works out, both in the short and long term.