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Is this a bit cheeky? Please help!

(28 Posts)
lunavix Thu 06-Jan-05 09:58:41

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SuzySox Thu 06-Jan-05 10:12:57

Hi Lunavix, I'm a single mum. I work full time and live relatively comfortably I think.

There is lots of help out there. Do you have a trade that you could go back to? What sort of work/income would you be looking for?

There's lots of help, council nurseries (sure start?), working families tax credit, discount on your council tax... etc

WigWamBam Thu 06-Jan-05 10:16:21

The Citizen's Advice Bureau can help you. They can make sure you are claiming everything you are entitled to, and can advise you on budgeting too.

aloha Thu 06-Jan-05 10:18:01

I second the recommendation for the Citizens Advice Bureau.

lunavix Thu 06-Jan-05 10:47:09

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wobblystarryknicks Thu 06-Jan-05 10:47:55

lunavix - are you looking more for general tips or exact budgets to compare to?

lunavix Thu 06-Jan-05 10:49:50

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wobblystarryknicks Thu 06-Jan-05 10:52:47

I know what you mean about being good at shopping!!! I could try and give you a few tips (not sure I've got many!) and would be happy to give you my monthly budget if that'd help. Email me wobblyknicks at tiscali.co.uk

lunavix Thu 06-Jan-05 11:05:25

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msann Thu 06-Jan-05 11:32:29

hi lunavix...just seen ur thread. I split with dp 3 yrs ago, its the best thing i ever did. I have found that with no word of a lie i am much better off financially. I have 2 children (7 & 6) and i have a mortgage & i only work 3 days a week (on minimum wage). I thin kthat you'll find that Working Tax Credit & Child Tax Credit will bring your income up to an acceptable level, in addition to Child Benefit & Child Maintenance you should be able to cope quite easily. Just as an example...with all my household bills etc etc i am still able to save money, pay in2 a pension & pay in2 an investment trust....its all about managing it correctly. Good Luck ...give me a shout if u want any more advice/support! xx

lunavix Thu 06-Jan-05 11:56:37

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Tinker Thu 06-Jan-05 12:11:16

lunavix - I was a single parent for 5 years - 2 1/2 of that before WFTC even existed. It is hard and I wouldn't have managed without help from my mum and I worked full time. No financial help at first from the father either. But when WFTC was introduced I felt positively rich. How old is your son? When he is at school, can you work? It isn't easy but people do, because they have to, manage on an awful lot less than they think they need.

Contact National Council for One Parent Familes (think the may have changed their name now but google search should still find them). Got a lot of useful advise from them.

msann Thu 06-Jan-05 12:17:48

lunavix..just an eg. i get double what i earn (for my 3 day a week minimum wage job) from WTC... i have the feeling that if u ring them up they can give u rough calculation of what u may get (correct me if im wrong any1)

msann Thu 06-Jan-05 12:18:55

oh ...& dont 4get all ur bills go down....gas/electricity/telephone etc (if only a little bit down) .... ur council tax will b 25% less.... etc etc

secur Thu 06-Jan-05 12:32:23

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lunavix Thu 06-Jan-05 13:43:09

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msann Thu 06-Jan-05 13:47:45

i dont have my papers here with me (am at work) but i earn around same as u & atm i get £95 a week Child tax credit ( nearly £5000 a yr) and £58 a week working tax credit (nearly ( £3000 a year) so = £8000

lunavix Thu 06-Jan-05 13:50:02

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msann Thu 06-Jan-05 13:51:27

do u have child care costs too? cos they pay towards them

lunavix Thu 06-Jan-05 13:59:48

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msann Thu 06-Jan-05 14:05:10

i'll be buggered if i know why theres such a difference then! but you WILL manage financially without dp.... good luck! xx

Tinker Thu 06-Jan-05 14:11:54

Tha calculator only works out figures until end of March. So divide figs by 3 and multiply by 12 to get a more accurate figure

sparklymieow Thu 06-Jan-05 14:12:49

The IL site is only giving the amount you would be entitled to for the rest of the tax year (11-12 weeks??) so you can divide that amount by 11-12 and get your weekly amount. HTH

lunavix Thu 06-Jan-05 14:12:51

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lunavix Thu 06-Jan-05 14:13:38

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