Help with benefits etc.. for low earners?

36
Found 10th Jan 2010
Hi Guys,
Are their any benefits etc.. my gf can claim for a low-income self-employed job role?

She is self employed but business is a little slow as she has only been back into the country for around 3 months (english UK nationality).
We are struggling a little with our bills as the only real income is mine, (im 24 and i dont earn very much but work full-time)

We pay full whack for council tax (a shocking £171/month) for our small bungalow (yeah i think they got that wrong too!)
And ontop of the rent, tv, gas, water, elec, car, car insurance and all the other bills im finding myself with zero funds before we even begin food shopping or any savings!

Anyhow...what (if anything) can we get to help us out? can we get an allowance? or deduction of tax? or council tax? or anything??

We have both worked since we where 16 and have payed tax all our working lives and now we need a little help we feel abit lost
We dont really want to claim a benefit, but we may need a little help and thats what they are there for?

Thanks for any input guys

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36 Comments

[URL="www.entitledto.co.uk"]www.entitledto.co.uk[/URL] should help you

Original Poster

The calculator has determined that you are not entitled to any … The calculator has determined that you are not entitled to any means-tested benefits or tax credits under your current circumstances.



I dont get this country! if my girlfriend quits her job then in theory we are better off??!?!

im not surprised this country is knackered!

Any ideas?? she doesnt wish to quit her job and be on the dole

adamck;7498869

I dont get this country! if my girlfriend quits her job then in theory we … I dont get this country! if my girlfriend quits her job then in theory we are better off??!?!im not surprised this country is knackered!Any ideas?? she doesnt wish to quit her job and be on the dole



Weekend/Night work???

Original Poster

she works weekends but again it depends on if anyone is booked in or even turns up!

evening work would be an option but its not easy getting any work in our area at the moment that part-time

it wont cost you anything to apply for tax credits/housing benefit, i dont know why you wouldnt be eligible for tax credits if you are on low income. are you putting the correct amount for how much your g/f earns if she is self employed? it might be worth going to see someone who deals with this at the one stop place as its different when you self employed in first year.
corinne

try working tax credit if you or your oh work over 30 hrs / week.

taxcredits.hmrc.gov.uk/Hom…spx

if that gives you nought then your probably no worse off than a lot of other couples.

have a look at the self employed on low earnings leaflet

hmrc.gov.uk/for…pdf

If she quits her job she will be disqualified from claiming for a certain length of time. The system sucks sometimes

Ozzie;7499120

try working tax credit if you or your oh work over 30 hrs / … try working tax credit if you or your oh work over 30 hrs / week.http://taxcredits.hmrc.gov.uk/HomeNew.aspxif that gives you nought then your probably no worse off than a lot of other couples.have a look at the self employed on low earnings leaflethttp://www.hmrc.gov.uk/forms/cf10.pdf



you can claim tax credits as long as you are working 16 hours you just get an extra £10? if you work over 30 hours
corinne

Original Poster

im not entitled to anything according to the 2 sites...
the system sure does suck... what are we paying all this tax for again? oh yeah its for all the non-uk citizens and thier families back home...and and the lazy t**ts who can work but prefer not too...
Who are you voting for next year?? lol

Banned

adamck;7499559

im not entitled to anything according to the 2 sites...the system sure … im not entitled to anything according to the 2 sites...the system sure does suck... what are we paying all this tax for again? oh yeah its for all the non-uk citizens and thier families back home...and and the lazy t**ts who can work but prefer not too...Who are you voting for next year?? lol



maybe because your income isnt as low as the lazy ***** you refer to

Original Poster

Well no... If I have an income, then it's bound to be higher than a lazy **** that doesn't work...

Banned

adamck;7500938

Well no... If I have an income, then it's bound to be higher than a lazy … Well no... If I have an income, then it's bound to be higher than a lazy **** that doesn't work...



well i know that and you know that, and the benefits agency know that, do you think thats why you cant get any help

171 a month c/tax seems lot, maybe think of moving to a house which isnt worth as much, so your bill, will decrease. you mention paying for a car, could you downside and get a car without finance or if you both have cars, try and just get by with one.

Banned

whats your salaries? we cant help you without at least this basic info

adamck;7499559

im not entitled to anything according to the 2 sites...the system sure … im not entitled to anything according to the 2 sites...the system sure does suck... what are we paying all this tax for again? oh yeah its for all the non-uk citizens and thier families back home...and and the lazy t**ts who can work but prefer not too...Who are you voting for next year?? lol



lol@getting annoyed because you both earn too much and can't get any benefits to help fund your lavish lifestyle:whistling:

deb8z;7502195

lol@getting annoyed because you both earn too much and can't get any … lol@getting annoyed because you both earn too much and can't get any benefits to help fund your lavish lifestyle:whistling:



lol@ what mention of lavish lifestyle and being moronic

Sloth/Mod

she has only been back into the country for around 3 months



How long was she away for as after a certain period of time away she has to build up contributions again before she'd be elegible for anything.

I was taking the pee.

They obviously earn enough otherwise they would be entitled to something.

Best idea is to have kids,you'll get loads of help then!!

deb8z;7502220

I was taking the pee.They obviously earn enough otherwise they would be … I was taking the pee.They obviously earn enough otherwise they would be entitled to something.Best idea is to have kids,you'll get loads of help then!!



Incorrect! We have a 7 month old baby and still get ****** all!! :x

norfolk_enchance;7502418

Incorrect! We have a 7 month old baby and still get ****** all!! :x



If you don't qualify for Working Tax Credit you too must be deemed as earning enough to support your family on your income:thumbsup:

deb8z;7503006

If you don't qualify for Working Tax Credit you too must be deemed as … If you don't qualify for Working Tax Credit you too must be deemed as earning enough to support your family on your income:thumbsup:



Not all the time im not entitled to it as im not old enough. otherwise i would receive something.

BlondeBella;7503066

Not all the time im not entitled to it as im not old enough. otherwise i … Not all the time im not entitled to it as im not old enough. otherwise i would receive something.



A double edged sword huh.

Moral of the tale.

Don't have kids if you can't support them :w00t:

If you think you're paying to much Council Tax there is a way to have it reassessed isn't there? Do a Google? And ring up your local benefits office to chat to someone about benefits. Good luck!

BlondeBella;7503066

Not all the time im not entitled to it as im not old enough. otherwise i … Not all the time im not entitled to it as im not old enough. otherwise i would receive something.



until you said this and i looked it up i didnt realise that if you dont have children or are disabled you have to be over 25 to claim working tax credits, thats daft you could have worked since you left school but not be entitled until you are 25 or never worked until you 25 and will get the tax credits as you old enough.
corinne

deb8z;7503233

A double edged sword huh.Moral of the tale.Don't have kids if you can't … A double edged sword huh.Moral of the tale.Don't have kids if you can't support them :w00t:



I dont have kids im saying as we are on a low income between the two of us we would have been entitled working tax credits but as we are under 25 we arent.

rosalie;7503283

until you said this and i looked it up i didnt realise that if you dont … until you said this and i looked it up i didnt realise that if you dont have children or are disabled you have to be over 25 to claim working tax credits, thats daft you could have worked since you left school but not be entitled until you are 25 or never worked until you 25 and will get the tax credits as you old enough. corinne



Yeah this is the case with me.:thumbsup:

BlondeBella;7503300

I dont have kids im saying as we are on a low income between the two of … I dont have kids im saying as we are on a low income between the two of us we would have been entitled working tax credits but as we are under 25 we arent.



I think we are on crossed lines:w00t:

When i typed it earlier to that other poster they do have a child,so they must earn enough already if they don't qualify.

I think that's right:?

deb8z;7503319

I think we are on crossed lines:w00t:When i typed it earlier to that … I think we are on crossed lines:w00t:When i typed it earlier to that other poster they do have a child,so they must earn enough already if they don't qualify.I think that's right:?



oh well you quote my post so i was getting confused:thinking:

but i see what you are saying.

scabbers;7503251

If you think you're paying to much Council Tax there is a way to have it … If you think you're paying to much Council Tax there is a way to have it reassessed isn't there? Do a Google? And ring up your local benefits office to chat to someone about benefits. Good luck!



This tells you about Council Tax rebanding,but i would imagine it's high because it's a Bungalow.

]http//ww…nge

Banned

So you want benefits because your GF's business is "slow"?

Get a grip FFS

Original Poster

The car is payed for in full, we own it and its group 1 insurance and a 1.1 so we cant really downsize or get any cheaper!
We share the car and rely on it for shopping/commuting etc...

The house is a bungalow, in an area which was a council estate (most own there council houses now tho) and its worth around £120K at a guess (you literally cant find cheaper in the area).
Its band E and i worked it out to being £98~ / month, but after a lengthy waste of time at the office and on the phone nobody could explain fully why im paying more or less double, but i was told i HAD to pay it or it would just mount up the lady in the local council office told me she deals with it but doesnt know how it works and told me basically what was on the bill form...

Im on around 16K shes on around £3k at the moment

adamck;7505049

The car is payed for in full, we own it and its group 1 insurance and a … The car is payed for in full, we own it and its group 1 insurance and a 1.1 so we cant really downsize or get any cheaper!We share the car and rely on it for shopping/commuting etc...The house is a bungalow, in an area which was a council estate (most own there council houses now tho) and its worth around £120K at a guess (you literally cant find cheaper in the area).Its band E and i worked it out to being £98~ / month, but after a lengthy waste of time at the office and on the phone nobody could explain fully why im paying more or less double, but i was told i HAD to pay it or it would just mount up the lady in the local council office told me she deals with it but doesnt know how it works and told me basically what was on the bill form...Im on around 16K shes on around £3k at the moment



No wonder you can't get help.,i had to

evening job? avon? betterware? ebaying?

adamck;7505049

The car is payed for in full, we own it and its group 1 insurance and a … The car is payed for in full, we own it and its group 1 insurance and a 1.1 so we cant really downsize or get any cheaper!We share the car and rely on it for shopping/commuting etc...The house is a bungalow, in an area which was a council estate (most own there council houses now tho) and its worth around £120K at a guess (you literally cant find cheaper in the area).Its band E and i worked it out to being £98~ / month, but after a lengthy waste of time at the office and on the phone nobody could explain fully why im paying more or less double, but i was told i HAD to pay it or it would just mount up the lady in the local council office told me she deals with it but doesnt know how it works and told me basically what was on the bill form...Im on around 16K shes on around £3k at the moment


band E would be alot more than £98, i know it varys from council to council, but mines about that for band A, and i would say a 120k house wouldnt be a band E, my mums an E and their house over 200k

yr gf wages of 3K = the min you need to live on, if you go by IS which is about 59 a week, only difference is the rent and c.tax.

19k as year is a nice wage and you should be able to live on that, as said before, sure there are things you can cut bk on to help.

you will have 2 months of no council tax now as you pay over 10 months if you dont pay in full but i would get it checked out for april when you start paying again as it does seem a lot but it goes on your area as well as the banding ie stoke is cheaper than well will say london but prob cheaper than most of uk lol
corinne
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