What would I be entitled to in England?

[Itgetsharder]

Out of interest? This is all in euros as I’m in Ireland but I’m just intrigued as to what I would be entitled to in England
Income - 42k (full time job)
savings - 23k
2 dc - 50/50 custody
no maintenance
Renting until the divorce is finalised- 1.4k pm

I suppose those figures would all need to be converted to pounds to make it completely relevant but it would be interesting to compare the system to ours.

When I was visiting Ireland years ago a taxi driver was talking to me about unemployment benefit and complaining it was far too generous. I can’t remember the numbers but it seemed that if you were working and became unemployed you received a significant % of your last salary? It sounded like a huge amount when he told me!

Yes if you become unemployed you get a certain amount of jobseekers benefits for 9months before it’s means tested.

One 🕜 f you would need to claim the child benefit and then if shared car split it with ex.

https://www.citizensinformation.ie/en/social-welfare/unemployed-people/jobseekers-benefit/#56002a

of course there are terms and conditions…one being that you can’t just give up your job to claim

It is the case now - but only in last year or so - that you receive an amount based on your salary but its not a % of your salary. Prior to that everyone got the same rate for 9 months if they lost their job if they qualified eg by having made enough contributions to PRSI

It's not huge amounts of money, there are small increases for dependants

Children get free prescriptions in England.

You can claim 25% discount on your council tax if you are the only adult in the property.

Out of interest…How does council tax work in England if you are unemployed, are you exempt?

If you're on a low income you get a reduction but in England every Council has their own scheme for working out how much you get off. A few places still pay 100% but most expect the resident to pay 20-25%. In some cases, take a bow North Lincolnshire, its half of it.

Different rules for those over pension age.

Different in Wales and Scotland.

@Bromptotoo very informative, thank you. It seems like quite a significant bill to have to pay for on top of rent/mortgage. We are taxed a bit more here I suppose, but nice that it comes off with tax, and not out of net pay.

OP do you get wfp? Just looks to me like on 42k you are over the threashold for having two kids? Maybe my own calculations dont add up though.

An old friend of mine moved to England from here some years ago and has a council house, gets child benefit and universal credit because her income is deemed low. She has a house in ireland that she rents out and has a mortgage on but not sure how that affects things or if she has told uk revenue.

If you were to move and I know its a hypothetical question but you would not be able to do 50/50 unless your ex also moved so you would have to claim maintenance although not sure how to do that from England through Ireland either if he disagreed about it. You could of course hide your savings too maybe in credit union or something and just not disclose them.

Council tax as far as I am aware covers bins and things so you would save on that, my own bins are 400per year which is horrendous and also then there is the LPT we pay here per year which you would save on.

My application is in so hopefully I’ll receive something soon fingers crossed 🤞

Isn't that fraud? If UC knew she had a rental property they would stop her UC.

@IVFmumoftwo one the face of it yes.

When you claim UC one of the questions is about assets, including houses/land etc outwith the UK. There are some disregards, for example property you're actively trying to sell or where it's occupied by minor children cared for by their other parent. It's market value that counts; market value can be less that you would intuitively think if the property is encumbered in some way.

Rental income is seen as Capital in UC.

My guess is that UC are unaware and fraud is a serious probability.

I assume it is fraud but we are not in contact these days so nothing to me really. I wonder is there some cross border check though as once she claimed child benefit in England it was automatically stopped in Ireland so there has to be something?

I don't get this post. I am thinking this is a windup thread.

I can assure you that’s not my intention.

WFP limits are calculated after tax etc aren't they? So she'd be under the limit probably

Yes WFP is based on net not gross

Any more financial tips?

Well. We’d be much better off in Ireland. I wish I had freedom of movement but I do not :(

as a single earner household I bring home £500 more per month than a two full-time earner minimum wage household here in England per month. I am entitled to sweet Fanny Adams aside from a 25% rebate on my council tax. Next tax year it will be marginally better because I get to keep half my child benefit which is 170.80/2 so £85 a month. All the while, the value of my take home is deflating because of the income tax threshold freeze and regular bills have skyrocketed.

I earn nearly 68k a year but the single parent penalty here in the UK is pretty bad. There are no actual tax concessions if you’re the single adult carer. The system is stacked against women.

Thank the fuck there’s no childcare costs anymore because I’d have gone under if so.

You don’t even need to go as far as England to get those figures OP - up here in the north of Ireland get UK benefits

What you get sounds much better! I’ll patiently await a united Ireland 🙏

Althouh I assume the cost of living is more where you are? I might be wrong…

Think you will be waiting forever. Not sure the ROI want the North and it's expense.

The cost of living down here is much higher. The cost of renting is absurd. Mortgage rates are not great but still my mortgage is a third of what the going price would be to rent the same house. Car tax and insurance are ridiculously high, I pay 400euro a year for bins, pay 225euro a year on local property tax which is basically a tax put upon me for having the gall to buy my own home instead of renting - its almost a penalty for saving for years to buy a property, car prices are ridiculous, cost of public transport no better. Food and drink is outrageous even compared to NI.