Benefits - does this sound correct?

[PollyIndia]

I'm a lone single parent but have always been lucky enough to be able to manage financially through bits and bobs of consultancy so never had to claim benefits, other than child benefit.
I now am running my own business with a business partner who is a single parent but with involvement and some financial help from her ex. She has been on topup benefits, so takes £1000 from the business then her benefits top her up to £3000 per month.
We have both agreed to take a proper salary of £3000 a month from the business from April so no more benefits, however she didn't take tax into account and says she needs to have £3k take home pay. I have used a basic tax calculator and worked out that even £48k pa so £4k per month doesn't quite give you a take home pay of £3k per month.
I am posting here because lots of people seem to know about this here based on threads I have read. But AIBU to think I have calculated something wrongly. Surely people can't be on an equivalent £48k pa salary through working 16hours per week and taking home £1k per month which is topped up?
I hope I am wrong as the business can afford to sustain that but she wants to come off benefits. Both our sons are pre school age.
I must be wrong, surely?

I put the figures into entitled to with Max child care and rent of £300 a month and it gave a weekly benefit amount of £518 about half of that was HB. Using an income of £30,000 it still gave a benefit income of just over £200 a week. Those figures do seem high to me but I'm assuming entitled to is correct. So yes op looks like she is correct but she will just have to keep claiming benefits or she could do more hours to increase turnover so the company could afford more but you can't pay more than you make.

Bad mistype there rent of £300 a week sorry.

sockamnesty ah okay, thanks

Babyroobs .. off topic I know but it did make me annoyed when she left college to start the apprenticeship. I had been getting £470 p/m benefits and DD got £470 apprenticeship wage (before it went up in October). When I was on benefits we both got free NHS care, prescriptions, dentist, optitions etc. DD also got free bus pass. As we both have 2 prescriptions a month and both wear glasses, my actual household income came down.

As I understand it universal credit is equivalent to 26K as year - £2167 p/m. Both of us working full time still earn £400 a month less than that.

Old raver £29k gross is the maximum an out of work single parent would receive , must would not get anywhere near. It is possible if high childcare, and high rent.

Sorry that doesn't make sense there would be no childcare so they wouldn't receive £29k gross .

Pick me up but that's the maximum amount , that could include a family will four children living in London, their rent alone could be 1.5k a month.

baroness
Entitled to is often incorrect. It has a warning and everything

And as the Tories sell off more housing estates and build fewer houses rent and thus housing benefit will go up and up

Or housing benefit won't go up because of the benefit cap, and people will be forced to move to areas with cheaper rents.

The benefit cap doesn't apply to people on top up benefits. It only applies to those on full unemployment benefits.
Universal credit will seek to address the 16/24 working hour rule as a couple will be required to earn at least the equivalent of 35 hours at min wage (between them) to get top up benefits.

The HB is still worked out using the same applicable amounts with the same income disregards.

And the same % of amounts over the applicable amounts

I think even in cheaper areas people would struggle.
In our town people still have to pay the higher rent privately because any free council houses or cheaper private rentals are being taken by immigrents and Asylum seekers.
Two whole buildings of flats and apartments went last week.
A friend looking for somewhere cheaper stood no chance and has to stay put for now.
She has a 3 bed but only wants two, so has to carry on paying for the extra room.

Irrespective of the ins and outs of benefit entitlement I do think that demanding a take home of 3k a month is a bit much. My take home after tax, NI and pensions is about 1700. (NHS top of band 5, I'm not coy about my salary). DH tops me up because I pay all the running expenses on the house (insurance, gas, water, electricity, car, most food) because he is paid in dollars. It still doesn't come to 3k. And we are reasonably comfortably off.

£3k a month! Wow, yes please! That would be great!

How is it possible to get that much? I don't believe the vast amounts of ranting I read about benefits, its always the worst case scenario trotted out as if it's actually the average situation.

I'd love £3k a month, but we're entitled to f all. Not that we need it, we manage on much less, but it would be nice all the same!

Is it not that the woman would need 3k to replace what she has now.
Coming off benefit she'll have to pay for everything and this may be the figure she needs to live.

I think some people make the mistake of adding on free prescriptions, dental, fsm etc.
You don't receive this money in your hand, even though it has a monetary value.
Also, some people who are entitled to these things don't necessarily claim them.

pointy people can demand a salary that they feel realistically meets their skills.

It could be 3k a year or it could be 3k an hour

They can demand it. They can't expect to get it if the business they own can't afford to pay them that much. OP needs to ensure the business remains financially viable, there's her interests to consider as well/

Well ofcourse she can't that's just common sense. But it does not mean that she won't ask people often ask for more than their company can afford to pay