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How am I supposed to do this without being in debt?

103 replies

orangepinkblue · 05/10/2023 09:07

I thought I earned a decent amount. Take home is 3,200.

Mortgage around 1,000. This is far better than rent round here.
Car finance (yes I need car for work!), 290.
Childcare full times, 1,400.
Credit card payments (interest free) 80.
Travel to and from work, 150 a month.

Last year energy costs were around 250 a month in winter. I don’t know what I’m going to do? I have no partner and don’t seem to have any access to other support due to my income. Things like car tax, insurance for car and home, food, petrol, I don’t know how I will manage this?

OP posts:
usernamealreadytaken · 05/10/2023 23:26

orangepinkblue · 05/10/2023 19:54

@Willyoujustbequiet hi where have you seen this? Unfortunately he is quite a rotten individual and despite me having tried my absolute best to be civil to him, he has been extremely unpleasant in response. He owns two homes and has over 100k savings when we were together which was 3 years ago.

Depending on how the savings are held, and whether he rents out one of his homes, you might be able to ask for these to be taken in to account https://www.gov.uk/how-child-maintenance-is-worked-out/ask-other-income-expenses-included

How the Child Maintenance Service works out child maintenance

See how the Child Maintenance Service works out maintenance and the rates they use

https://www.gov.uk/how-child-maintenance-is-worked-out/ask-other-income-expenses-included

Willyoujustbequiet · 06/10/2023 00:36

orangepinkblue · 05/10/2023 19:54

@Willyoujustbequiet hi where have you seen this? Unfortunately he is quite a rotten individual and despite me having tried my absolute best to be civil to him, he has been extremely unpleasant in response. He owns two homes and has over 100k savings when we were together which was 3 years ago.

You may be in luck then. It's been confirmed Government are changing the law to take savings etc..into account in the calculations. Scroll down on this published a few days ago.

https://www.gov.uk/government/news/government-launches-new-crackdown-on-parents-who-refuse-to-pay-child-maintenance

Government launches new crackdown on parents who refuse to pay child maintenance

Parents who refuse to pay child maintenance will face accelerated sanctions as Ministers announce the introduction of new powers to speed up strong enforcement action and other reforms to make the Child Maintenance Service (CMS) fairer.

https://www.gov.uk/government/news/government-launches-new-crackdown-on-parents-who-refuse-to-pay-child-maintenance

updownleftrightstart · 06/10/2023 08:45

Densol57 · 05/10/2023 22:55

Why why why do people not google current CMS rules
Interest on savings AND savings over a certain amount ARE taken into account.
Know the rules
Do not rely on what some clerk at CMS says

https://www.gov.uk/how-child-maintenance-is-worked-out/ask-other-income-expenses-included

Absolutely - and interest on 100k isn’t going to be a tiny amount at todays rates and what’s he doing with those 2 houses? If he rents one out that’s income that would/should be taken into account

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