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Separating soon, please explain benefits to me as I need to prepare

6 replies

Funsunmum · 23/01/2024 16:07

I'm soon to be a single parent.
I work full time earning minimum wage so £21000 a year . Luckily we don't have a mortgage or rent . My outgoings on working everything out will be about £1500 a month for everything, so more than my monthly wage.
I've filled in the entitled to calculator and it's told me I would recieve my child befit plus about £470 universal credit.
Does that sound about right?

Does anyone know how many hours you are expected to work with kids age 9 and 12? My current hours prevent me from doing the school runs, ideally I would like to drop to 30 hours . I redid the calculator with estimated pay for those hours and it told me child benefit and about 600 universal credit so I would end up with a similar total amount.

I need to know that this is right before I take the leap to separate. I don't want to do it, apply and then be told I'm not entitled as I wouldn't even be able to cover my basic bills let alone any extras .

Is there a way I can find out for definite without actually applying?

OP posts:
Beezknees · 23/01/2024 16:50

Sounds about right to me. I earn a bit more than you and get similar for one child, but I also rent so I get housing element.

Your outgoings seem high considering you have no housing costs, mine are less than that including rent. Any way to reduce them?

Queijo · 23/01/2024 16:59

With children that age you’ll need to work a minimum of 30 hours a week until your youngest is 12 when you’ll need to work 35 hours a week.

Why are your outgoings so high if you have no mortgage or rent? I have neither and my total outgoings a month including food are less than £600!

WillowBarkTree · 23/01/2024 17:04

Similar to @Queijo if you drop hours can you increase again if needed?

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Funsunmum · 23/01/2024 17:22

Yes I would be able to increase again in the future .
I've been through all our outgoings today and written everything down. We live in quite a large property at the moment which will be sold and I will downsize so bills should reduce going forward .
Regular household bills are £600 a month, then another £500 on top of that for food , car tax, fuel, medications, phone contracts, breakdown cover, dog insurance, kids dinner money, kids extra curricular fees .
That is without trying to save anything, any emergency costs such as car, house repairs, holidays, Christmas, birthdays etc

OP posts:
Funsunmum · 23/01/2024 17:27

Council tax and is a 1/3 of our total bills and gas/elec is 1/2

OP posts:
Sprinkles211 · 23/01/2024 17:51

Are you getting cash from a house sale? You may need to speak to a proper benefits advisor as if you've had money and then spend it even on a home to then need to rely on benefits they may not let you (deprevation of assets) I do not fully know the ins and outs just know a friend of mine said she couldn't get uc after her split because of the house sale she ended up renting and having to use her money

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