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  • FIRST POST
    • Jaysontango
    • By Jaysontango 10th Jul 18, 7:45 PM
    • 2Posts
    • 0Thanks
    Jaysontango
    In need of some expert advice
    • #1
    • 10th Jul 18, 7:45 PM
    In need of some expert advice 10th Jul 18 at 7:45 PM
    Hello i thought id join and get some advice off you guys if that is fine?

    Basically we just had our baby born exactly a week ago and now that i have moved in. And my name is on the council tax. She will now have to cancel her current UC claim and i am only on 23,500 a year and i have a NHS lease vehical for 325 a month and my own monthly bills which just barely leaves me with just over 720 left over. The rent on the house is 420 and gas and electric is something around 95 a month so that leaves us with 205 until i get paid on 26th of every month. As she is currently unemployed and has her own bills too, so she cant get work at the moment and child care will be too expensive.

    What is our entitlement and what else can we do to support us for the next year until my partner can get into work?

    Thanks, look forward to your comments
    Jayson
Page 1
    • marliepanda
    • By marliepanda 10th Jul 18, 8:28 PM
    • 6,085 Posts
    • 12,931 Thanks
    marliepanda
    • #2
    • 10th Jul 18, 8:28 PM
    • #2
    • 10th Jul 18, 8:28 PM
    Child benefit.

    If your non essential bills are taking over half your take home pay you need to look into cutting these costs. The car is expensive and you could get a decent one for half that. Id head on over to the debt free wannabe section for help cutting your expenses.

    After your car you are talking around 600 of personal expenses, not including anything you put into a pension. You cant afford that plus 300 on a car, its 900 that you could be using for other things.
    Last edited by marliepanda; 10-07-2018 at 8:31 PM.
    • Tigsteroonie
    • By Tigsteroonie 10th Jul 18, 8:32 PM
    • 22,776 Posts
    • 57,155 Thanks
    Tigsteroonie
    • #3
    • 10th Jul 18, 8:32 PM
    • #3
    • 10th Jul 18, 8:32 PM
    Turn2us benefits calculator here: https://benefits-calculator.turn2us.org.uk/AboutYou
    Mrs Marleyboy

    MSE: many of the benefits of a helpful family, without disadvantages like having to compete for the tv remote

    Proud Parents to an Au-some son
    • Darksparkle
    • By Darksparkle 10th Jul 18, 8:41 PM
    • 5,186 Posts
    • 3,384 Thanks
    Darksparkle
    • #4
    • 10th Jul 18, 8:41 PM
    • #4
    • 10th Jul 18, 8:41 PM
    How long has she been unemployed?
    • Jaysontango
    • By Jaysontango 10th Jul 18, 9:06 PM
    • 2 Posts
    • 0 Thanks
    Jaysontango
    • #5
    • 10th Jul 18, 9:06 PM
    • #5
    • 10th Jul 18, 9:06 PM
    Hello thanks for the replies, my partner been on the bank with her job for over 9 months due to being diagnosed with PGP while pregnant. I require the car for my work because i travel and cover the whole of greater manchester and Cumbria and i cannot afford cancelling my lease and sort the scratches on the door due to asda parking and i have over 2 years left.
    • WillowCat
    • By WillowCat 10th Jul 18, 10:06 PM
    • 815 Posts
    • 992 Thanks
    WillowCat
    • #6
    • 10th Jul 18, 10:06 PM
    • #6
    • 10th Jul 18, 10:06 PM
    Based on you taking home 1,613 a month on that salary, and assuming that you are either in social housing with no 'bedroom tax' or private rented which is equal or less than your Local Housing Allowance then I reckon you'll get:

    Joint standard element 498.89
    Child 231.67
    Housing 420.00

    Total 1,150.56

    Reduction for earnings 891.45

    UC payable 259.11
    • Ineededaname
    • By Ineededaname 11th Jul 18, 6:41 AM
    • 27 Posts
    • 8 Thanks
    Ineededaname
    • #7
    • 11th Jul 18, 6:41 AM
    • #7
    • 11th Jul 18, 6:41 AM
    There's no point closing her claim. Get yourself added to it and see what happens, you very well may still get a payment. Try putting all your circumstances into a calculator online
    • Ineededaname
    • By Ineededaname 11th Jul 18, 6:45 AM
    • 27 Posts
    • 8 Thanks
    Ineededaname
    • #8
    • 11th Jul 18, 6:45 AM
    • #8
    • 11th Jul 18, 6:45 AM
    You also can get up to 85% of any childcare costs back if your partner can find suitable work.

    Sounds like you do need to look at your outgoings though. 500-600 a month without your car, rent or utilities?
    • Darksparkle
    • By Darksparkle 11th Jul 18, 7:50 AM
    • 5,186 Posts
    • 3,384 Thanks
    Darksparkle
    • #9
    • 11th Jul 18, 7:50 AM
    • #9
    • 11th Jul 18, 7:50 AM
    What other bills do you have? Outgoings of 800-900 seems very high before rent and utilities.

    Is she not entitled to SMP or Maternity Allowance?

    Is she claiming Child Benefit?
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