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Claim benefits rather than work full time?

32 replies

TheQueensToes · 06/01/2023 21:09

Ok so I’ve put my hard hat on for this one, and name changed too for privacy, here it goes…

To avoid drip feeding- I’m a single parent to two children, one of whom has physical disabilities and additional needs.

I’ve had a meeting today with DS’s Occupational Therapist and they’re signing him off! His present set of treatments will be his last for the foreseeable future. This combined with his physical therapy completing at the end of last year, means my diary is looking pretty clear! The issue is, I only work part time to deal with all these appointments. Up until Last year, we had at least two regular appointments a week, plus additional paediatric appointments, meetings with school, and social workers.
Because of this, I made the decision during covid to reduce my hours down to part time. Not ideal, but the combination of my part time wage, universal credits and child DLA, means I actually make about £30 a month more than when I was working full time. it means I’ve been available for every appointment, every meeting, all school events and even had chance to catch up on housework sometimes. I’m also on the school PTA board and volunteer for one of my son’s supporter charities

so, now that our appointments are reducing, I was quite excitedly looking at increasing my works hours. Except, when I’ve looked on an online calculator, I’d actually be less well off each month! So now what do I do? I hate the idea of being on benefits for the rest of my life, and I love my job and don’t think I could get anything as well paid and flexible anywhere else. But the idea of working two extra days a week for less money just seems crazy! What do I do? What have others done in this situation?

OP posts:
TheQueensToes · 06/01/2023 22:32

Thanks everyone. I’ll look into an ISA when money is a bit free-er!

I actually really like my job, I’m a respected person there with friends and people who appreciate me? Obviously I have that at home, but work gives me a bit of me back? I have a degree and additional qualifications, but I most likely wouldn’t have the freedom in a higher paid job, that I have now. My current job is very flexible and I’ve been there long enough that they’re understanding of my personal life. I wouldn’t want to risk that when I’ve got no support at home (obviously family and friends are willing, but it’s not the same as a partner who has to support you)

OP posts:
BungleandGeorge · 06/01/2023 22:37

tbh OP it may be easier for a job to be a supportive and positive employer if you work part time. You then have some flexibility to make time back if you need to be off and to arrange appointments out of work time. From your situation it sounds like if you worked full time you might well have to take time off for those things.

Season0fTheWitch · 06/01/2023 23:12

I'd say stay with your part time job, and use any spare time you get to rest for a while. Then maybe in 6 months or so, look into additional training or courses you can take to earn more- or maybe another part time job alongside your current one that pays more/keeps you busy!

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OnlyTheBravest · 06/01/2023 23:21

I would remain part-time for now but use the extra time to upskill so you can gain promotion and remain on lower hours but with a better wage. It is not easy being a single parent and as your children get older you may find that it is easier to cope with school holidays etc without having to use expensive child care.

Ontheup75 · 01/02/2023 09:06

Ignore!
I knew you'd be a teacher when you mentioned holiday care.
I'm divorced and have increased from 0.5 to 0.8 over 10 years but only when I wanted to, not exH.
Full time is a killer.
Still 0.8 and kids are 13+. Still an after school taxi service!
The only person I talked about increasing earning potential with was the bank when persuading them to let me take over the mortgage - they factored in tax credits on account of me being able to earn more as kids hit 18.
For you, have you checked what benefits you might be able to claim?

Ignore the questions!

Beezknees · 01/02/2023 09:09

I stayed part time until DS started secondary school, then I went full time.

Ontheup75 · 01/02/2023 09:09

Sorry posted on wrong (similar) chat!

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