Page 7 | Do I lend DH money?

arethereanyleftatall · 07/02/2022 16:52

Op, your take on money seems to be...
Money you get jointly from the government = money you've earned
Money you've got from inheritance = your money
Money from your dh job = joint money

The bottom line here is...

You only need one car
You need to pick up more hours. Cleaning would be easiest, because it's flexible and easy to pick up.

Preemptedyou · 07/02/2022 17:08

@Wazza89

I recently inherited 2k, a car, plus extra money to pay enough insurance for a year. DH was going to return his car and we were going to share mine. He’s actually the main insurer and I’m a named driver. Then he changed his mind about returning the car so I’m going to switch the insurance back.

Now DH’s car needs anything between £500 to £1k worth of work. He will need to take out a loan. Originally, he was going to sell the car and pay the settlement figure (he’d have made a few hundred, too, going by what webuyanycar quoted). Now, he’s in a dilemma. He won’t get much money for it and will still need to pay the settlement figure. Or he can take out a loan to get it fixed. Either way, he doesn’t have the money. He can’t leave it on the road without insurance, but he doesn’t want to pay for something he’s not driving. He also doesn’t want my car anymore. He wants to take out a loan to repair it, but I’m sick with worry about getting into more debt. Especially with rising energy costs. I put the inheritance money into a savings account and am paying creditors back via direct debit.

Do I lend him the money to avoid getting into more debt or do I leave him to it? In terms of household costs/bills, I pay more in terms of percentage. He has £500 after household costs, but it all goes on finance stuff (inc his car and PC). Thing is, I don’t see any other solution that won’t get us further into debt. And before someone tells me to get a job.. I’m trying!

Has anyone got any practical advice?

In regards to the car insurance. Who is the main driver?

IheartJKRowling · 07/02/2022 17:13

My daughter is disabled and she works a lot more than two hours a week. It pisses me off when I hear people who are completely able to work refusing to and I see disabled people struggling and still be labelled "scroungers". You need to stop posting about your finances unless it's a deliberate effort to piss off more people than just me, which I suspect it is.

bigbird50 · 07/02/2022 17:24

You both cant afford two cars. So sell one and share the other. Its no wonder your both struggling, you barely work and he is in a low paid job and your paying for two cars...really?

MajorCarolDanvers · 07/02/2022 17:27

I can't imagine 'lending' my DH money.

We don't have his and her money we have our money. In a family you pool your resources.

Nailsbythesea · 07/02/2022 17:32

@Wazza89

He earns a low salary and I only work 2 hours a week. Until DS turns 3 in April, we’re substituted by UC.

I get around £534 a month plus child benefit. I had a temporary job in 2020 and another during the summer, then it came to an end. I was actually in the negative every month but was dipping into my overdraft. Then it ran out and I received inheritance money after my dad passed away. DH couldn’t help me more because he has debt.

No you are choosing not to work whilst suckers like me as a single parent who went back to work when their child was 1. UC isn’t free or a gift - it’s my and many other peoples tax. Great you can afford your car etc when mums like me can’t - have you disclosed your inheritance and car etc to UC?

Nailsbythesea · 07/02/2022 17:35

@IheartJKRowling

My daughter is disabled and she works a lot more than two hours a week. It pisses me off when I hear people who are completely able to work refusing to and I see disabled people struggling and still be labelled "scroungers". You need to stop posting about your finances unless it's a deliberate effort to piss off more people than just me, which I suspect it is.

I don’t but I do get enraged by people like the soap choosing not to work whilst me / I pay for her and her DH out of my tax. If she and her DH got a job I would be to pay less tax (huge difference to me) or more on local services etc or for your child who actually needs it. Now I’m really pissed off that they are on here able to potentially have one or two cars - whilst people like me struggle. I pay tax and am not entitled to anything as a single parent.

Nailsbythesea · 07/02/2022 17:35

The op not soap!

GrolliffetheDragon · 07/02/2022 17:39

Change DC nursery hours to two full days rather than such a short period every day. Find a job requiring 2 days a week rather than 2 hours.

Can OP even do that? We couldn't with our free hours. Had to take them split across five days.

TheDoveFromAboveCooCoo · 07/02/2022 17:49

@GrolliffetheDragon

Change DC nursery hours to two full days rather than such a short period every day. Find a job requiring 2 days a week rather than 2 hours.

Can OP even do that? We couldn't with our free hours. Had to take them split across five days.

It's a good few years since mine were at nursery but I only had the option of a Monday and Tuesday or as Thursday and Friday. May have all changed now though.

rogueone · 07/02/2022 18:10

Your UC is for the family its not yours. You truly seem to think that your inheritance and UC is yours and your DH money is yours too. He is upset with you for not increasing your hours as your struggling financially. He has suggested you work in the evenings or weekends and he will do the childcare after his day job. But your unwilling...yet you make thread after thread about him.... then your going to consider loaning him money...i dont think this relationship will last long.

Grenlei · 07/02/2022 18:52

I thought the OP's previous thread was irritating enough, but this one is even worse.

As a pp said, there is no helping some people, especially those who don't want to be helped because they're too comfortable claiming benefits and living an easy life when they're perfectly capable of working.

worriedatthemoment · 07/02/2022 19:01

The universal credit if married is a joint award its not just given to one as a wage

Inspectorslack · 07/02/2022 20:15

@worriedatthemoment

The universal credit if married is a joint award its not just given to one as a wage

That’s what I thought

NoKandoo · 07/02/2022 20:16

@Grenlei

I thought the OP's previous thread was irritating enough, but this one is even worse.

As a pp said, there is no helping some people, especially those who don't want to be helped because they're too comfortable claiming benefits and living an easy life when they're perfectly capable of working.

This.

Most people work their arses off, claim no benefits, and can't afford two cars. Most people work their arses off, claim no benefits, and have no savings at all.

The OP's entitled attitude riles me beyond belief.

T00Ts · 07/02/2022 22:14

I’ve just read all your old posts and threads OP. You’ve said you don’t feel emotionally able to work more than two hours a week. Your situation is utterly ridiculous and you don’t actually seem to want to change it. So why post at all?

GirlOfTudor · 07/02/2022 22:17

So many things to point out here...
To start with, national minimum wage starts at age 23. It's not age 25 anymore.
Secondly, anyone receiving universal credit, with a 2 year old, receives 15 hours of free childcare. That's 15 hours you could be working whilst getting free childcare.
Thirdly, if you haven't heard, industries such as hospitality and retail are desperate for more staff, employ people with little or no qualifications and experience, and offer flexible shifts, so those are industries to consider.
Finally, you and your partner could both work full time, on a low wage, and still receive a little universal credit.

fuzzyduck1 · 09/02/2022 13:38

£534 a month for 2 hours a week. That’s not such a bad hourly rate. About £50 an hour

TheDoveFromAboveCooCoo · 11/02/2022 07:51

@GirlOfTudor

So many things to point out here... To start with, national minimum wage starts at age 23. It's not age 25 anymore. Secondly, anyone receiving universal credit, with a 2 year old, receives 15 hours of free childcare. That's 15 hours you could be working whilst getting free childcare. Thirdly, if you haven't heard, industries such as hospitality and retail are desperate for more staff, employ people with little or no qualifications and experience, and offer flexible shifts, so those are industries to consider. Finally, you and your partner could both work full time, on a low wage, and still receive a little universal credit.

National minimum wage actually starts at 16 but rises for each category until you are 23 when it becomes national living wage.