26000 cap what it would mean to me

[TheHumancatapult]

ok some of you ahve complained about the £26000 Benfits capped and then slammed into hunty cat for having to much money left

so to balance it out this how £26000 would be broke down for myself as single parent with 4dc

.£26000 straight away 13200 would have gone to the LL .

so thats £12800

left .Discount Cb as peoplle up to £40000 can earn so tale away £3534 approc

so im now down to 9256 .Tale away council tax Benfit thats me down to £7886 .

thats then down to £151 a week
they will then tale of teh free school dinners have 3dc that entitled ( only 1 has but they will do the sums based on what they are entitled to ) so £6 a day times 5 is £30

£121 left take of £15 for water £20 for gas and £20 for electric bearing in mind most wil be on card/key meters taht charge more

would leave me £56 a week for food and clothes and any extras

Now relook at the figures again that im in h/a at £126 a week my hb is £6652

so think the problem lies when your forced into private rented a large amount of your money is swallowed up by Hb .And remember not all LL will takke Hb so often you pay a preimum for sometime substandard accomidation as they are aware that people can not move

And lets also remember those that are working in low income of £18000 Pa will also recieve top ups too of CB , WTC and CTC

I'm not trying to argue, I'm just trying to understand your figures, why are you taking away the CB? Would you no longer get it under the new rules? If you'd still get it then that would be another £68 on top of your £56 so that would be £124 a week for food clothes and extras.

Odd bods i have taken it away as anyone working up to £40000 Pa could get it .

So someone earning more than £26000 as oposed to benefits of £26000 would still be entitled to it to

so in theory someone with £14000 more ncome could still get so makes it hard to include in the sums infact a family could be earning £80000 and still get it but thats another arguement

but ok if added the CB thats £124 a week for food and clothes divde that by 7 days is £17 a day or £3.54 a day each for everything

Now i did point out they will take into account the free school dinners but at least one of mine can not eat them ( allergys~) but they wont allow for that they just see entitled

Add in £8 a week to top up ds bus fares and it soom shrinks and it will need to take into account money for school uniform ( no grants here ) new shoes

ds1 and ds2 are both in adult sizes so no vat relief on their costs.And better pray omething does not break down and if anything i have bee consertive in estimates for GAs and eletric bills

But you still have it as money in your hands to spend on the things you need though, right? Even if other people are entitled to it too? (and £26k untaxed is like earning £35k and paying tax - someone earning £40k would have a take home of around £29.5k).

taht money also needs to include cleaning/househouse hold stuff

Not looking for a fight but just wanted to put another side over as people are humping on what they percieve that hunty cat has

not humping , jumping

Just showing how being in Privated rented can change the sums greatly

switch from Private rent to H/a and thats an extra £6548 freed up so £125 a week more

moving area not a option and £1200 is cheap here even HArlow with its big problems that still is cheap

so it shows just how much o that money that people never see as it disappears

odd boots but so would someone taking home £29000 so almost £3000 a year more than the cap

oddbods what would you ay average food bill for 5 people are

thin it be more than £124 a week or be running very close to it by time addd in household stuff

the £124 revised adds in the CB so the next set of sums breaks it down

Remember gas and electric card meters means you pay more so wont take much to spend more than i calculated

I think we do both agree that regardless of it coming from earnings or from the state, housing costs are too high. We need more non-profit housing.

I am sure this level of income is hard to live on, I think there should be more done to make non-resident parents pay for the children they had and an extra allowance for those widowed with young children.

you take away the CB beause its not money in your pocket anymore than the Housing Benefit is.
Private housing will take most of that 26K cap (which actually very few will reach anyway) so thats tax payers money going to private landlords.
We need cheaper social housing and lots of it.

whoops, meant Council Tax benefit

I'm trying to follow the math:

£26000 max benefits
So, income £26,000
Less: rent 13,200
council tax 1370 (im assuming thats whats meant by council tax benefit?)
Leaving 11430
Less 39 weeks of school dinners at £30 = 1170
Leaving 10260/52 = 197 p.w.
Less water, gas, electric 55 pw
Leaving 142 per week for food, clothes and extras

That's tight but not terrible for the state to pay out for a single parent with 4 kids, (I'm assuming you don't work?) It would be fantastic to get loads more, obviously, but that's a lot, if repeated for other families.

Sick of spouting it but its the cost of housing that makes this unfair.

I completely agree there does need to be some sort of cap but the way its being done is penalising those who are in private rentals paying exotortionate money through no fault of their own.

I have very recently been allocated a HA property and my rent has literally halved. If there was more social housing available to those who need it, I dont think the cap would be causing as much furore as it is.

TheHumanCatapult - did the move go smoothly? I am very near you and was wondering how it went during the snow!

sb666

thank you

it went ok mad before xmas but am enjoying the new place and yes same here my H/A has dropped the Hb in half

grumpypant reason i left the Cb out is because people earning up to £44000 can earn it so £18000 more than the benefit cap

so those that saying include in sums are forgetting that a lot more people can be getting it too

grumpy i dont work ( have left out the fact right now im not directley affected as Im disabled as is ds3)

but have done the sums as if I was not disabled so as a sp with 4dc be facing

So you would or wouldn't lose CB?

But I don't understand why you won't include child benefit if you will still get it? so what (frankly) if other people will get it on higher incomes (we won't). It still forms part of your income.

odd bods

i do agree with you , it is the housing costs that eat into the Cap .Place i rented was in poor state of repair ( 4 weeks no hotwater or heating ) often no boiler as would go out , dodgey wires so was not living it up ) on that but was trapped as very LL anywhere in teh country will take HB

I don't understand what you mean about the free school dinners?

yes it does Grumpy but just pointing out that it also needs to be balanced that people earning more will get it but ok even adding it in that can still male a tigh cost for a family of 5

for everything including food/house hold stuff/uniforms /

thats before adding in something breaking down or bus fares

Lilly

when your on benefits your entitled to free school meals now these are not very big especially once out of infant school

But even if you dont take them up for what ever reason .It will still be calculated in your benefits

Ds ag 14 he gets 3 small potoes 2 thin slices of meat and small spoon of peas and piece of fruit .that does not go very far at all

and yet they claim that all your dc needs then is a light tea after lunch at school lol

Yes, some people earning more will also get child benefit.
That still leaves you with £142 real money each week. Which is tight, but I don't see it as ungenerous, because you have to multiply that by the number of families the state has to support. In any case, this isn't your situation is it, as you should receive more? DLA?
I know its tight - we have about 200 each week for food and fuel for a family of 6 so i am not unsympathetic, just realistic.

So you should actually still count CB, even though people earning more would get it?