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In Uni, Partner Pregnant... Best Plan?

noxiousd Avatar
7y, 11m agoPosted 7 years, 11 months ago
Me and my partner just found out shes pregnant...

We're ecstatic to be starting our own family, and just wondering what to expect financially, shes working at Subway and i'm getting University loans, we've also been told from my parents that we can move in with them until the baby is due, would i be required to pay the full rent for my parents flat?

We're currently renting a shared house with some mates, which is ideal for Uni, but definitely not for a little one :)

Any advice / tips would be greatly appreciated...

Can she receive maternity pay from Subway? Can i claim for having another dependant on top of Uni loans?
noxiousd Avatar
7y, 11m agoPosted 7 years, 11 months ago
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#1
Not a clue... but congrats!
#2
Congratulations! Have a look for the sure start maternity grant ( a one off payment for £500) to see if you are entitled, you can also apply for child tax credit when baby arrives and if you work part time possibly working tax credits. Good luck!!!
#3
one thing i do know is you wont get any housing benefits if living with family

as far as maternity pay goes she would need to discuss it with subway
#4
Any reason why you didn't wait til after uni? Congratz
1 Like #5
Abvance
Any reason why you didn't wait til after uni? Congratz


My course isnt what i expected, and im considering leaving it to find fulltime work, im studying videogames and have spoken with many people in the industry who say the qualification isnt worth the paper its printed on, plus its just not teaching us anything about anything we need to know...
#6
Also, If your partner is entitled to maternity the tax credits dont take the maternity payments into consideration when working out how much tax credits you are entitled to xx
#7
Congrats ...

i may sound harsh here.....but thats upto your parents how much rent you pay and your current financial earnings ??

if you are going to be living with them.. suggest paying half rent plus half bills?? or come to an arrangement....

Also... get applying for evening and weekend jobs if you dont work already as you will need as much money as possible,.....

maybe Invest any funds into savings accounts as there are some good rates on at the moment.....

Once again.. sorry for just getting to the point,.. and congrats again!
Rick
#8
RickT
Congrats ...

i may sound harsh here.....but thats upto your parents how much rent you pay and your current financial earnings ??

if you are going to be living with them.. suggest paying half rent plus half bills?? or come to an arrangement....

Also... get applying for evening and weekend jobs if you dont work already as you will need as much money as possible,.....

maybe Invest any funds into savings accounts as there are some good rates on at the moment.....

Once again.. sorry for just getting to the point,.. and congrats again!
Rick


Nono you misunderstand...

My parent has a place, she claims housing benefit, i was just wondering if me living there whilst claiming Uni loans would affect her getting housing benefit? Or wether she'd have to pay the rent in full?

Thanks for the congrats people, greatly appreciated...
#9
Thanks ljfx, im already plotting seats at Old Trafford for me and the little un for the next 10 years lol and trying to think of names that don't include Rooney or Ronaldo :)
#10
Congratulations.........you know what its scary ...but believe me in a years time you will wonder what the hell you did before you had your baby!!!good luck..
#11
she should be entitled to maternity, look here http://www.direct.gov.uk/en/MoneyTaxAndBenefits/index.htm
Also new benefit starting for all expecting mums due on or after 5th/04/09 one off payment £190, plus the £500, family allowance will be about £20 plus child tax credits, also healthy start for milk tokens these are all benefits but you will have to apply to see if your entitled
#12
join all online clubs i got no end of money off vouchers which come in handy plus buying of auction sites saved me loads of money
#13
Are you planning on leaving university then? If you are once you tell university you're leaving your loans will stop- I think you don't get the full years installment. Although if you're leaving to find fulltime work you'll have income from that so I guess not getting the loan won't be as much of an issue (apart from having to pay it back). Not sure about your mum's place but I think it affects council tax if more people live there. Finally, congratulations!
#14
noxiousd
Nono you misunderstand...

My parent has a place, she claims housing benefit, i was just wondering if me living there whilst claiming Uni loans would affect her getting housing benefit? Or wether she'd have to pay the rent in full?

Thanks for the congrats people, greatly appreciated...


im pretty sure students are exempt from housing benefits so it could well affect it
#15
torapoole
Are you planning on leaving university then? If you are once you tell university you're leaving your loans will stop- I think you don't get the full years installment. Although if you're leaving to find fulltime work you'll have income from that so I guess not getting the loan won't be as much of an issue (apart from having to pay it back). Not sure about your mum's place but I think it affects council tax if more people live there. Finally, congratulations!


Well im only leaving Uni if i have something lined up, not about to start on the dole... I could always change courses (always liked film production)
#16
Go to your Student's Union, they will have a financial advisor there who will be able to advise you on what you're entitled to - but the best advise I could give you would be to stick it out at uni, the first few years with a littl'un are the cheapest, you can scrimp and scrape to get by and get a qualification which will enable you to earn a few extra quid when the baby grows up and does start to cost serious money. As a student I know that you will not be entitled to any housing benefit, whether or not you have kids. If you or your partner work 16 hours a week or more you will be able to claim working tax credits. You will also be able to apply to your uni for money from the hardship fund to help with the cost of buying baby things. I've been a student parent, it's difficult financially but worth sticking it out.

Congrats.
#18
ok i will do my best to answer the question as i understand things. I may not be 100% accurate - i cant guarentee but you can check everything with CAB and your benefits advisor. I am presuming being a student doesnt effect the normal rules here - so if i am wrong then i apologise,

If your mum is disabled i presume she is on incapacity benefit, housing benefit, council tax benefit and income support. Someone may also be claiming carers allowance for her.

Before you move in, you need to check mums tennancy allows you to move in with her etc.

When you move in there are 2 scenarios

1) you and/or partner are working full time. Earning enough to expempt you from income support or working tax credits. If this is the case i believe you would be responsile for the rent and council tax.

2) You and partner qualify for income support - in this case (by working less than 16 hours a week) with dependant children you should automatically qualify for housing benefit.

As new parents you will automatically qualify for
** child benefit £17.50 ish a week
** child tax credit £10-60 a week depending on income

You may qualify for: working tax credit (income under 14k a year with dependants).
Housing benefit
Income support
Council tax benefit
sure start maternity grant
Healthy Start Vouchers
I think some uni's offer free/discounted creche facilities and parental bursaries - something else to look into.
Living with your disabled mum may also enttle you to apply for carers allowance for her.

I would reccomend joining bounty.com for parenting help (you also get free baby bounty packs when baby is born). And get onto freecycle for some baby bits!

My suggestion now is to get down the benefits office and talk to someone. It may be far simpler to rent your own place and claim housing benefit for there - rather than mess with your mums benefits.
#19
best place to ask all these questions is the cab they helped me and partner out no ends and helped us fill in all the confusing forms for benefits etc, and with milk tokens you wont get them if claiming maternity pay apparently thats why i got turned down for it but it maybe pot luck as with other things whether or not you get them lol
#20
Congratulations :)

I just wanted to say, I was pregnant during my final year of uni and it was VERY hard. Just be thankful it isn't you having to be pregnant. Is it not worth finishing off your degree (I know you say it's not worth it career-wise) - how long do you have left?
#21
oh and the people at the benefits place wont always tell you everything you are entitled to look on the directgov website and just apply for everything they can only say no

good luck being a parent is one of the greatest things that have ever happened to me x x x
#22
ilovepink
oh and the people at the benefits place wont always tell you everything you are entitled to look on the directgov website and just apply for everything they can only say no

good luck being a parent is one of the greatest things that have ever happened to me x x x


agree they dont tell u everything its just best to apply even if u dont get much its something
#23
Congratulations!!
#24
xsazzyjayx
Congratulations :)

I just wanted to say, I was pregnant during my final year of uni and it was VERY hard. Just be thankful it isn't you having to be pregnant. Is it not worth finishing off your degree (I know you say it's not worth it career-wise) - how long do you have left?


Just started still in first year.
#25
noxiousd
Just started still in first year.


Ahhhh ok, Computer Games stuff seemed pretty intense when I was there! I stuck to Computer Studies and Informatics. Good Luck with whatever you decide to do :thumbsup:
banned#26
Is this Hotukdeals or The Jeremy Kyle Show? :roll:
#27
Jerry786
Is this Hotukdeals or The Jeremy Kyle Show? :roll:


University students and people with jobs and happy families go on Jeremy Kyle?

Heres me just thinking it was the chav portion of England...
#28
xsazzyjayx
Ahhhh ok, Computer Games stuff seemed pretty intense when I was there! I stuck to Computer Studies and Informatics. Good Luck with whatever you decide to do :thumbsup:


Yup, intense is what i was hoping for, what i got was still life drawing and lectures on Ugly Betty.... Not a single tutor has even mentioned videogames in the first 5 months...
#29
did you order the condoms from deal-extreme ? lol
Good Luck
#30
awwww congrats..... things happen for a reason and you will soon make things work...... i was married for 2 yrs with a house and job and STILL asked myself the same things but when it happens, you get on with it and wonder why you were worried in the 1st place..... good luck :thumbsup:

oh and yes, she should be able to claim for maternity pay but i dont know about any student situations
#31
Congratulations :-D

While babys are hard work, they are all worth it and I wish you loads of happiness.

Like people have said here, I would check on the direct.gov website, then the CAB, and possible someone in your University? When I fell pregnant with my 2nd I gave up Uni as I was ill and I don't regret it one bit, everything happens for a reason :)

Also, do sign up to all the websites mentioned, they send out coupons frequently and they can be of great help.I'm unsure weather or not your gf would be entitled to maternity pay, that is something she will need to speak with her work about and she needs to tell them straight away for health and safety reasons too :). Check auction websites for some baby things as this can also save a good few pennies! Babys are expensive things! :w00t:

All the best with whatever you guys decide xx
#32
Get a paternity test make sure it's yours then take it from there.
























































^ ^
(just kidding)
Congratz!
Stick with Uni and get qualified, it'll be the best thing for the little'uns future
#33
First off congratulations.

Second off remember babies don't need all the expensive stuff that retailrs and the media make ya think they do.
They don't care about the latest pram or the designer clothes (they're only gonna puke on 'em anyway) A baby doesn't care about toys or how cool its steriliser/mobile/cot ect is infact anything much apart from being safe and warm and loved.

Trust me you need a lot less than ya think!!!!!

Just cos I have to in every baby thread. Have a look into reusable nappies. they will save you a fortune in the long run and your local council may provide a grant for purchasing a starter kit :thumbsup:
#34
jennybubbles
First off congratulations.

Second off remember babies don't need all the expensive stuff that retailrs and the media make ya think they do.
They don't care about the latest pram or the designer clothes (they're only gonna puke on 'em anyway) A baby doesn't care about toys or how cool its steriliser/mobile/cot ect is infact anything much apart from being safe and warm and loved.

Trust me you need a lot less than ya think!!!!!

Just cos I have to in every baby thread. Have a look into reusable nappies. they will save you a fortune in the long run and your local council may provide a grant for purchasing a starter kit :thumbsup:


Baby things isnt the worry, he/she will be spoilt beyond belief by the grandparents :gift: :)

I'm just wondering mainly how things like housing benefit work, because right now i pay full rent due to being a student, will that stay the same or will my partner be able to claim half rent on housing benefit etc?

And lol @ paternity test, was just about to say "keeping it positive eh?"

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