Hi,
Well I have no idea what to do, don't know where I stand and am looking for some advice if possible. I'm 8 weeks pregnant, I also have a school age child. Partner been cheating and doesn't want to try and make things work. He owns the property that we lived in as a family, my name was not on mortgage and so i've had to leave. Fortunately my lovely Mum is taking us in for the foreseeable future.
Ok, i'm self employed, not earning much (say £70 a week over 2 days - 16 hours) This was absolutely fine as ex was earning decent money, but now i've found myself single and i'm going to be on my own with two kids I know I need to earn more. I'm now claiming child tax and working tax credit which is helping, but in order to move out in the future I need to be earning more than what i'm getting. To cut a long, boring story short I have been offered a job with a really big organisation, there is scope to move up the ladder in the future but for the time being they can only offer me a zero hour contract. They said they will email me once a month, tell me the hours that are available that month and I will pick and choose what I can do around childcare. I'm taking the job as it's fairly decent pay and it's a foot in the door. The hours are part time.
I'll have to keep my self employment up, certainly for the time being anyway, so i'm looking for advice on how this will work with tax credits? Am I allowed to be both self employed and employed on a zero hour contract? How the hell am I supposed to tell what they should base my claim on? I'll be scared to take more hours in case I go over and end up paying lots of money back. Do I just make an educated guess as to what i'll earn in a year and ask them to base it on that?
Also, I know i'll qualify for maternity allowance when the baby is born as i've been self employed for a couple of years and I pay my national insurance, but will I be allowed to claim it because I also work as an employee for this organisation? I don't plan on claiming SMP as it hasn't been discussed and I would imagine I don't qualify?
Any advice as to what I should do would be greatly appreciated. Stressed to death and not sure what to do for the best. It all seems so complicated and I can't find any information online about my situation.
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Pregnant, single, zero hour contract & also self employed - Advice please?
14 replies
TreadingTheBoards · 11/03/2015 23:54
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