Nil tax code/ variable income/ OT/ UC

Clouds88

Hello, so I went BR end of May, Husband also lost his job end of May. I have a good’ish job but only work part time 24 hours. My intention wasn’t to do any over time during BR otherwise I’ll end up needing an IPA (currently don’t have one). But, since my husband has lost his job we have lost £600 income and have started to claim UC.

I told the OR and he said a nil tax code will be set up but if this means we get less benefits to live off of they may not claim it. This month we are only getting £100 as my husband has got majority of all of his wage from work (last ever pay check).

Next month- will be normal pay for me, no OT, so that will be when I know how much the nil tax code will affect our money- if we still have the usual £600 we need and send the tax that I would have been paid to the OR that would be good.

End of August’s pay- I will have done three OT shifts so pre tax this is an extra £500 ish, so we probably won’t be entitled to any UC based on my ‘nil tax code’ pay. I had little choice in doing that over time, one is a course I need to attend for work and they couldn’t take me off of a rota’d shift. The other two they were so desperate and it would have been weird for me to say no? As I usually did it before and I hate to leave them short/don’t want them to get funny with me. But also I would prefer to earn more myself than to be given benefits (tax credit payment In BR- I just don’t want any benefits again, long story but I never want to get into that rut of being over and under paid ect)

so, what should my best course of action be? Do I just take it month by month, calling up the OR and telling them my wage and Uc payments and paying them a proportion of the money if we have
More than £600 that we ‘need’ from my husbands lack of income?

Sorry for the long post! I feel like I’ll be bothering the OR too much If I am ringing them every month, they already take ages to answer the phone and don’t seem very happy about a call- probably overworked.

Thanks

debt_doctor

Hi,

Keep the same SOA as you had. This will now be a heavy minus figure (with husbands income gone). Adjust with any costs that your husband might not have now he isnt working.

In any month, add the NT tax money and any UC money.

If still negative (or plus up to £19) - no IPA.

It is quite right that you want to keep the NT money - get back on here with any problems with that.

DD

Clouds88

Thanks for the advice DD, Our costs won!!!8217;t go down in any areas except maybe his petrol a bit. But again, he!!!8217;s going back to university at the end of sept and although not funded he should have £3-600 from a maintenance loan so it will go back to Normal with no UC then. I!!!8217;ve just got to be careful as UC say we should have !!!8216;£2200!!!8217; to live off of and without an IPA the OR thinks we need £2000 so after working it out it probably won!!!8217;t be an issue as my income plus the UC reduced payment based on me earning !!!8216;more!!!8217; will even out at around £2,000.

Fingers crossed it all goes smoothly!