ANYONE WHO'S DH EARNS ABOUT £13500 A SAHM?

[Dalrymps]

Just on mat leave at the mo but my job is over an hour away so not gonna be able to go back. Was considering being a SAHM for a bit. Anyone else's dh earn about £13500, if so, what kind of working tax credits/child tax credits do you get a month?
Have had a look on the site and am gonna ring the tax credit people tomorrow but just wondered what peoples personal experience of it is

[Dalrymps]

[worley]

my dp used to be on that till he recently changed jobs. before i went back to work we used to get and extra £65 a week but thats going back about 4 years so maybe more now, not entirely sure. is there a calculator on their site to work it out?

[Dalrymps]

yeah but it's a bit confusing cause it asks what i earnt last year which was probably 13000 before i went on mat leave then it comes out with a small amount but of course if i dont go back to work that'll not reflect my earnings at all? plus my dh was on 15500 but has just started new job this week for 13500 so his last years earnings don't reflect what he's on now either?

[worley]

i guess once you;ve rung them and explained they should be able to take it in to account.

i have to ring them tomorrow also as i just got some backpay owed to me from 2005 which is going to make my wages seem higher than they should be and no doubt it will have a knock on effect

[Staceym21AtLast]

try googling 'entitled to' and it'll give you a web site where you put the earnings in and it tells you approx what help you'll get!

HTH

[Blessed2]

Try moneysavingexpert.co.uk they have a calculator somewhere on the site to help you with all your benefit entitlements.

[Dalrymps]

thanks, yeah i've tried the site but i don't think the amounts are right cause my dh has just changed jobs and i'll be giving mine up, the site goes on the last tax years earnings which is a lot different to what we'll be on soon...

[Twinklemegan]

Just experiment with different figures.

[Dalrymps]

yeah i did and it came up with varying amounts, guess i'll just have to ring em. does anyone know if tax credits are paid monthly or weekly?

[Staceym21AtLast]

4 weekly if you have an imcome, it can only be chaged to weekly if you're on Income support or similar.

do it with this tax years money as the figures, that should work out what you'll get. if you ring them and tell them his salary.

[Dalrymps]

oh i see, yeah gonna ring em when i get a min

[Dalrymps]

|I 've

[Dalrymps]

oops.. not rung yet cause waiting for dh to get home and take the lo whilst i do it. just wondering before i do, anyone else who is in similar circumstances?

[alfiesbabe]

TBH I don't know anyone living on one income of around that amount. Maybe if you have no mortgage/rent and live very frugally it would be possible, but I'd be very worried about unexpected bills etc

[Dalrymps]

well, thats what we're on at the moment , i get stat mat pay but am trying to work out if the tax credits would be about the same. mortgage is ok, about average i would say. we have savings for unexpected bills

[chocolatespiders]

i think taX CREDITS ASK LAst years earnings, and then ask a prediction for following year?

[readytoswiggin]

we're currently stuck in the benefits system and from what I can remember, you are entitled to full amounts of ctc etc plus milk tokens and stuff if your income is less than 14??? pa. this might help

[chelsygirl]

dalrymps, we lived on this much for years

think you'd get around £70 a week TC, depends how many kids you have

call them up and ask

[chelsygirl]

also got WFTC

and you might get help with council tax (we didn't but try anyway)

[yousaidit]

I would love to be sahm but with mortgage and rising bills it's definately a no no . The good thing is i only work part time and the extra money is a god send, esp for 'unexpected' things like birthday presents, car tax, mots, services, dentists bills, stuff breaking diown (a new washing machine left us £300 lighter this week!) gas bill going up by about £40 over past 3 months or so. Please don't think 'm trying to put dampner on your plan, just these are examples of things we've found cropping up which had i not been working we'd have been fecked!

[Dalrymps]

yousaidit - yeah I realise it'll be really tight, hoping the savings will cover any emergencies in the near future then when ds is a bit older I can look in to working...I just can't bear for anyone else to be looking after him at the moment, i'd rather scrimp and save and do it myself if I can.
chelsygirl - thanks for the encouragement, just got one ds at the moment, called them and they said it'll be based on the last year initially but then when my mat pay stops to call them and if this years is lower they'll work it out again based on this years income, just trying to get an idea cause don't want to rely on it then find i have to work at the last minute and not have a job lined up. Is that £70 for both CTC and WTC or is that just the CTC?
Council tax who would you call about help with that? By the way, how many dc do you have? have you got a mortgage? sorry for all the questions, just want to see if this is possible for a while...
readytoswiggin - yeah we will be on 13500 total, thanks for the link

[VictorianSqualor]

CTC&WTC are a mess, they base it on last years wages, so you may get practically feck all.
Last year DP worked part-time and we hardly earnt anyhing between us, so we got £500 a month from them this year, but next yeat we'll be losing most of that absed on DP's wages from this year it's fucked up
Also entitltedto only works it out from now until april
Try this calculator instead, it should give you a better idea.

[Dalrymps]

oh right, the lady on the phone said if this years earning were going to be less than last year they'd work it out on that instead? now i'm confused, thanks for the calculator, i'll have a look

[VictorianSqualor]

They may do that, I don;t know because for us it was going from less money(We didnt realise we could claim last year duh!) to more money, so it was based on last years.
I'm sure if you tell them on the phone they can sort it. If it turns out you can;t afford it then at least you've tried.
Also council tax benefit you apply yot your local council for. I'm not sure if you'd be entitled to housing benefit, but again, apply and see.

[readytoswiggin]

you can give them a prediction if you know that this years wages are going to be less(eg cos you are not earning anymore) , we have done this this years, until dh was laid off.

Watch them like hawks though, and always double check the paperwork they send, I have had all sorts of probs in the 4 years I have been claiming, the biggest when they deleated the dcs. currently I have a fictitional overpayment they are clawing back, yet they cannot prove how it came about, one minute everything was as it should, I ring up and change a detail, and suddenly they decide an overpayment occured 2 years ago and we'll reclaim £20 pw thank you very much.

If it's any comfort, the poeple on the phone often find the tc system just as confusing, and they work for it