Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Autumn86
    • By Autumn86 8th Jun 19, 5:16 PM
    • 209Posts
    • 59Thanks
    Autumn86
    Am I entitled to any benefits? (Average income earner)
    • #1
    • 8th Jun 19, 5:16 PM
    Am I entitled to any benefits? (Average income earner) 8th Jun 19 at 5:16 PM
    Hello I just wondered if anyone knew of any benefits which I am entitled to based on my salary?

    I used to claim various benefits for multiple years, and so was very knowledgable about them all;
    However that was many years ago now, but so am not especially well-versed with what the current available benefits out there area...


    I work full-time (36 hours per week / 3x 12-hour shifts), and my monthly take-home pay (after tax) is between 1,960 - 2,050.
    I get paid at an enhanced rate for every shift which is a night shift (so every alternate week) + for all shifts which are on weekends, so my pay can vary by around 100 either way each month.

    So my yearly salary is just over 30k,
    which whilst I appreciate doesn't put me in poverty, as someone who lives/works in the London area this is probably slightly below average wage.


    I'm aged in my late 20s, not married, and don't have any kids, so know I don't qualify for any child benefits;
    But wondered if I qualify for any other benefits or tax-breaks such as working-tax credits?
    Last edited by Autumn86; 08-06-2019 at 5:18 PM.
Page 1
    • poppy12345
    • By poppy12345 8th Jun 19, 5:24 PM
    • 5,432 Posts
    • 5,028 Thanks
    poppy12345
    • #2
    • 8th Jun 19, 5:24 PM
    • #2
    • 8th Jun 19, 5:24 PM
    You can no longer claim tax credits because all areas are now a full universal credit area so it would be that. As you're single with no children then it's unlikely but use a benefits calculator and it will tell you if you can or not. https://www.entitledto.co.uk/
    • Autumn86
    • By Autumn86 8th Jun 19, 6:16 PM
    • 209 Posts
    • 59 Thanks
    Autumn86
    • #3
    • 8th Jun 19, 6:16 PM
    • #3
    • 8th Jun 19, 6:16 PM
    You can no longer claim tax credits because all areas are now a full universal credit area so it would be that. As you're single with no children then it's unlikely but use a benefits calculator and it will tell you if you can or not. https://www.entitledto.co.uk/
    Originally posted by poppy12345

    Thankyou.

    I have used that website but sadly I don't qualify for any benefits.

    I will play around with that to test out that if I reduce my hours at work (to working 2-days per week rather than 3-days per week | So 24-hours per week), if that would result in me qualifying for any benefits money... ect

    Thanks for your help though.
    • unforeseen
    • By unforeseen 8th Jun 19, 6:47 PM
    • 3,838 Posts
    • 5,089 Thanks
    unforeseen
    • #4
    • 8th Jun 19, 6:47 PM
    • #4
    • 8th Jun 19, 6:47 PM
    Do you think that you would qualify for 650+ benefits per month by doing that?
    • gbhxu
    • By gbhxu 8th Jun 19, 6:48 PM
    • 83 Posts
    • 44 Thanks
    gbhxu
    • #5
    • 8th Jun 19, 6:48 PM
    • #5
    • 8th Jun 19, 6:48 PM
    Op are you taking the p****?
    • kingfisherblue
    • By kingfisherblue 8th Jun 19, 6:49 PM
    • 8,520 Posts
    • 18,453 Thanks
    kingfisherblue
    • #6
    • 8th Jun 19, 6:49 PM
    • #6
    • 8th Jun 19, 6:49 PM
    Thankyou.

    I have used that website but sadly I don't qualify for any benefits.

    I will play around with that to test out that if I reduce my hours at work (to working 2-days per week rather than 3-days per week | So 24-hours per week), if that would result in me qualifying for any benefits money... ect

    Thanks for your help though.
    Originally posted by Autumn86

    If you worked fewer hours to qualify for benefits, the benefits would not pay you as much as your wages. I'm not sure why you would want to decrease your income.
    • gbhxu
    • By gbhxu 8th Jun 19, 6:49 PM
    • 83 Posts
    • 44 Thanks
    gbhxu
    • #7
    • 8th Jun 19, 6:49 PM
    • #7
    • 8th Jun 19, 6:49 PM
    Do you think that you would qualify for 650+ benefits per month by doing that?
    Originally posted by unforeseen
    Exactly!

    650 is a little over 5 weeks benefit for me.
    • poppy12345
    • By poppy12345 8th Jun 19, 7:04 PM
    • 5,432 Posts
    • 5,028 Thanks
    poppy12345
    • #8
    • 8th Jun 19, 7:04 PM
    • #8
    • 8th Jun 19, 7:04 PM
    I will play around with that to test out that if I reduce my hours at work (to working 2-days per week rather than 3-days per week | So 24-hours per week), if that would result in me qualifying for any benefits money... ect
    Originally posted by Autumn86
    It doesn't work like that...
    • poppy12345
    • By poppy12345 8th Jun 19, 7:40 PM
    • 5,432 Posts
    • 5,028 Thanks
    poppy12345
    • #9
    • 8th Jun 19, 7:40 PM
    • #9
    • 8th Jun 19, 7:40 PM
    You will also be sanctioned for reducing your hours to claim UC.
    • Teahfc
    • By Teahfc 8th Jun 19, 8:42 PM
    • 1,366 Posts
    • 2,204 Thanks
    Teahfc
    Op are you taking the p****?
    Originally posted by gbhxu
    Only 4 months ago :

    Originally Posted by Autumn86 View Post
    I personally can't wait for the No-Deal Crash which is now basically 100% guaranteed!

    *Property prices will hopefully crash,
    meaning prospective buyers like me with large cash deposits will be able to buy a property for a much cheaper price.

    *There will be a shortage of available staff to cover essential public-sector jobs such as NHS, so pay will be forced even higher for jobs such as mine.


    Brilliant stuff ~ Don't get why people aren't cheering & celebrating this property price correction.




    WUM or Bull Shi**er.
    "Man invented language to satisfy his deep need to complain."


    ''Money can't buy you happiness but it does bring you a more pleasant form of misery.''
    • Autumn86
    • By Autumn86 8th Jun 19, 9:24 PM
    • 209 Posts
    • 59 Thanks
    Autumn86
    If you worked fewer hours to qualify for benefits, the benefits would not pay you as much as your wages. I'm not sure why you would want to decrease your income.
    Originally posted by kingfisherblue

    I appreciate that the benefits probably wouldn't supplement the entire income-differential,
    but I simply want to review all the available options, so I can then make an informed comparison & decision based on the different options.
    • elsien
    • By elsien 8th Jun 19, 9:38 PM
    • 19,369 Posts
    • 49,160 Thanks
    elsien
    You'd have to use your large cash deposit up first.
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
    • dealer wins
    • By dealer wins 8th Jun 19, 9:48 PM
    • 6,450 Posts
    • 12,972 Thanks
    dealer wins
    No comment fear of PPR
    • Autumn86
    • By Autumn86 8th Jun 19, 11:50 PM
    • 209 Posts
    • 59 Thanks
    Autumn86
    You'd have to use your large cash deposit up first.
    Originally posted by elsien

    Use my deposit for what?

    I'm saving up all my salary each month to use as a deposit to buy an apartment next year.
    • just trying
    • By just trying 9th Jun 19, 12:03 AM
    • 831 Posts
    • 2,957 Thanks
    just trying
    Use my deposit for what?

    I'm saving up all my salary each month to use as a deposit to buy an apartment next year.
    Originally posted by Autumn86
    Hmmm live and not rely on others? ??
    SEALED POT CHALLENGE MEMBER 098
    WILL SAVE ATLEAST 500!.
    • calleyw
    • By calleyw 9th Jun 19, 12:24 AM
    • 9,156 Posts
    • 16,982 Thanks
    calleyw
    Use my deposit for what?

    I'm saving up all my salary each month to use as a deposit to buy an apartment next year.
    Originally posted by Autumn86

    To live off. As with more than 16K in the bank you will not be getting any benefits if you reduce your working hours.


    Benefits are there are a safety net not because you want to save all your wages to buy a home.


    Yours


    Calley x
    Hope for everything and expect nothing!!!

    Good enough is almost always good enough -Prof Barry Schwartz

    If it scares you, it might be a good thing to try -Seth Godin
    • Sea Shell
    • By Sea Shell 9th Jun 19, 6:26 AM
    • 2,067 Posts
    • 3,541 Thanks
    Sea Shell
    How about this. Work hard, earn as much as you can to support yourself. I know as a concept it's a bit "out there" but hey, give it a go.

    Benefits are there for people who NEED them, not because they fancy having their income supplemented so they can work less hours, whilst saving for a deposit on a flat. Seriously!!!
    " That pound I saved yesterday, is a pound I don't have to earn tomorrow " JOB DONE!!
    This should now read "It's time to start digging up those Squirrelled Nuts"!!!
    • JamoLew
    • By JamoLew 9th Jun 19, 7:15 AM
    • 111 Posts
    • 138 Thanks
    JamoLew
    How about increasing your working hours by taking on an extra shift a week thus increasing your disposable income - plus you will be home less so will spend less as well, double bonus.
    Many people work 2+ jobs and way more than 36 hrs a week to provide a better life - why won't/can't you ?
    You sound like much of the younger society nowadays - you want everything in life now whilst putting minimal effort into getting it (or expecting others to provide it for you)
    • Blackbeard of Perranporth
    • By Blackbeard of Perranporth 9th Jun 19, 7:16 AM
    • 6,176 Posts
    • 35,771 Thanks
    Blackbeard of Perranporth
    OP lives in hope that a drop in hours and house prices would suit their life. Unfortunately yes it would, but after this, I doubt they’d get a mortgaging their hoped for crash?

    I didn't default/embezzel any debt.

    Back in 2008/9 I took out just over 10.5k on credit-cards,
    but as I didn't make any repayments the money just got put into the big pile of accounts to be written off via statute-barring.

    (Theoretically yes on their end they would of classed my account in default, as they would of been counting the number of payments not-recieved, but as no payments were made, well none were 'missed' as such).



    And you can call me a troll/think im pretending to of had 10,500+ of creditcards taken out in 2008 just written off due to me not making any payments,
    but what exactly do you think caused the 2008 credit-crunch then...??

    You do realise that unless millions of people had done exactly what I did, and not repay money taken from the banks, there would of been no credit-crunch.
    But so conversely given that there was a credit-crunch, there are millions of people like me out there, and yes some/many of us will also be on the website....
    Originally posted by Autumn86
    Cardiac Arrest - Electrical - Patient unconscious! Heart Attack - Plumbing - Patient conscious!
    Defibrillators Cannot Cure a Heart Attack!
    • kingfisherblue
    • By kingfisherblue 9th Jun 19, 8:07 AM
    • 8,520 Posts
    • 18,453 Thanks
    kingfisherblue
    I appreciate that the benefits probably wouldn't supplement the entire income-differential,
    but I simply want to review all the available options, so I can then make an informed comparison & decision based on the different options.
    Originally posted by Autumn86
    So you are happy for the tax payer to fund your life, whilst you are fully capable of earning a wage? Oh dear! maybe you are not aware that the benefits system was set up to help those who actually need it. You are fortunate that you are able to work. Many people cannot. I would love to be earning my own money again, but with a severely disabled son who cannot be left alone, even for a few minutes, I am unable to do so. Instead, I am relying on benefits, and really wish that I wasn't.

    As for 'probably' not supplementing the difference, how about definitely will not supplement it. And of course, there is no reason that benefits should support you, as you are capable of working and earning your own money. Trying to work the system so that you work fewer hours and the tax payers of this country support you is, quite frankly

    - edited because the board is about entitlement only. As far as I can see, you would not be entitled to financial support from benefits as you will still be earning too much. You could also face a sanction for reducing hours that you are capable of working.
    Last edited by kingfisherblue; 09-06-2019 at 8:09 AM.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

44Posts Today

2,750Users online

Martin's Twitter
  • RT @MartinSLewis: I sued Facebook for defamation over scam ads & settled in return for 2 things that LAUNCH TODAY -1on1 scam help at new C?

  • Bizzare German twitter mash article has called me "MARTIN LEWIS, der Geldsparexperte," Any german speakers out the? https://t.co/1tXEzCe4Y3

  • Have you ever been scammed? If so did you keep it quiet? If not would you keep it quiet or tell people? Please vot? https://t.co/68bkmbT9gc

  • Follow Martin