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

ah it is not compulsary trip but things they be studying will be part of the trip and part of the marks so cleverley worded letter

I have asked the school and they can offer 10% off which yes helps but not a lot

essemtial look at my revised sum just above i have not added school dinners or council tax this time and added in the CB rounded up to £50 a week

also no council tax this one just above was done ion the universal credits own calculator and then lissted my outgoings

k iin the UC calculator based on sinle parent no disbalites 3 dc as ds1 be adult by time it comes in

my income will be £454 a week support

JSa £67.a week

Housing award 239 a week

child support award £157 a week

£1816 per 4 weeks

now we take out my former rent of £1200 per caendar month

£616 left

so i know i been speding £100 a month each GAs and eletric

so using those sums

Im down to £414 per 4 weeks

my water was 720 over the year £55 per 4 week time

£359 per 4 weeks

this time i have not taken away school dinners as no one know is they will or wil not be included

I then meant to top my rent up by 240 a month

so £119 per 4 weeks left

divide that by 4

so that leaves £29.75 a week for food/clothes/travel for 4 of us

so £4.25 in total or if you wnat ot per person a day £1.06 a day

now can add on my Cb a week have rounded up to £50 a week for 3 dc

so slighlty better at £79 .75 weeK but thats only so £11.39 a day for 4 people

that has to include travel clothes food household stuf

Now before anyone trys to say but ah your disabled so different

1. under PIP I will no longer be classed as disabled
2. Im still going to be disabled so not as easy as that to move i would still need a accessible wheelchair house
3. im still going have all the extra costs of being disabled but without the extra help

hope that makes the sums easier for people to understand .That is based on UC own calculator and my outgoings at Jan this year

But why is your water cost so outrageously high compared to the average? How can this possibly be correct? Are you on a meter or water rates?

Also what council tax band are you on and are you getting the 25% discount for single adult occupancy or not?

Can you not cut your energy bills down from £200 per month? The average is £100 pcm. Could you either change supplier or reduce your usage?

Your regular bills are so very much higher than average and I just don't get why - clearly this is leaving you with not much left over so worth getting to the bottom of.

Maybe I can enlighten you on the fuel bills, heating is expensive, and more so on a pre pay meter which THC might be on. Plus it's v hard to stay warm when you have mobility problems, take it from me. our fuel bills have rocketed these past few months as I simply don't move enough to keep warm.

I was bought up without central heating and only have storage heaters now - which are comparatively expensive. What I don't understand is why so many people heat their whole house - one warm room in winter is enough, surely?

Is your rent really that much? I thought you were in a HA property?

Could your DS1 get a weekend job? Even if it only pays for his college bus fares and lunch, it'll help you enormously.
Could you do e.g. Proofreading from home or write articles for your local paper on disability issues? You seem eloquent and could do that while the DCs are at school. It may not earn huge amounts, but would do wonders for your self esteem.

Heating shouldn't be a frigging luxury in this day and age

My combined gas & leccy is £45 a month, for a 4 bed house (and we have a large DD surplus). We keep the house at 16 degrees. I get that you'd need it warmer with mobility issues, but surely your energy company should be able to help with energy efficiency measures or change your meter and tariff.

ds1 is applying for Jobs and hoping the fact he turn 18 in May will help .

Essential

it is open plan living so can not heat just one room and the property was old effcient boiler etc .and just to point out your gran would have been brought up with no washing machine but now a days it is considered normal to have one ,

Porto
think people get me mixed up with hunty cat .

But i did say those figures were up to Jan and they was right .But im about to redeuce my HB costs a lot as am fortunate to be moving into a H/A property which before anyone tells me im lucky .Yes i am lucky but would trade the reasons why im getting one .Even though the goat may complain about moving

in my spare time

I am looking at my options and am considering doing a blog even if it is just for fun .A look at what life is really like in a wheelchair and being a single mum ( im not all doom and gloom am quite a happy person really as anyone who knows me can confirm)

Im still expecting high heating/electric bills as i charge a power chair and i do feel the cold i can not just wrap a blanket around me as sitting in my wheelchair means that it will tangle in my wheels and dont often sit on my couch as to much hassle transfering

If anyone wants to try it sit ona computer chair tie your legs together and then trying to get on teh couch without moving your legs or putting them down and mean not one cm . maybe get omeone to tie your legs to chair to stop you cheating .Though that may take some explaning if someone comes to the door mind not as much if you got your legs tied together on the couch

You could get an economy 7 tariff and charge the chair at night on cheap electricity. Could you get fleecy trousers to keep your legs warm? Also, I'm sure I saw on another thread you can get special blankets for wheelchairs, shaped not to catch in wheels.

If this dreamt up scenario is going to be realistic, you either need to halve your gas and elec figures as a non-wheelchair user, or keep your existing figures and then add in the extra government money you receive for your disability.
At the moment you appear to be taking the highest outgoings you can with the lowest income you can, which does your argument no favours at all.

Well that's no dreamt up scenario that is my scenario to Jan and yes I'm really am in a wheelchair And that was what was facing And that others will be facing and if you doubt my story feel free to hunt my name down my story and what happened is known on MN

And for your information under pip I will lose the right to claim the extra buffet DlA gives me

So if I was still in private rented next year that be what I would be living on

Water rate is high as on meter but it can not be capped as propert I lived in was on commercial site and they will not cap

So I suggest that you maybe read what I said that the above shows life is not all plasma screen tv .many will be in that situation next year and yes that includes wheelchair users who will no longer be classed as disabled as will other vulnerable people

Was using those figures to show how much of my money went on somewhere to lice and the difference being in private to h\a

And the extra money I get yeah that really makes up for the list of my legs and being double incontinent not !!! and they want take that away from me to

Yes I'm now goung to be better of as H/A house . So all my rent will be covered

But I'm still going to have high electric and gas bills . My water should be lower as am applying to gave it capped not because of benefits ( they won't do that here ) but capped due to incontinence needs

But under PIP I'm goung to lose my DLA buffer so things be tight but yes not quite so tight

Will work out what my expenses will be later amd compare and it should show the difference between private rented and H/A and why I think the Hb section should be looked at separate to a cap

The Government made it compulsory that energy companies should make a disabled / poverty tariff but forgot to specify how many to make avaialble so a tiny % of people have actual access, they offer the absolute minimium of people it, some companies a few hundred only.

Stupid loophole that has been exploited. We didn;t qualify anyway but our social services sent everyone emails saying SOR THIS OUT BEFORE IT RUNS OUT and still they were closed to most.

fair enough grumpypants, welfare payments have soared so much the country will go bust at the rate we are going.....the population is aging. That said I would like a criminal assets bureau to seize money/assets of a lot of the bankers who led the country to oblivion. Why this type of white collar crime is so acceptable is beyond me.

Pinko the warm House Discount thing has been fully taken up with my provider, they aren't letting anyone else onto the scheme till next year.

There are as usual some people who fall through the cracks with that too. I claim DLA and my partner is on NMW so fair to say a low wage, but we don't qualify for it.

Foof, contact your provider to see if you qualify for free insulation or A rated appliances. They don't widely advertise, but have these available for families in hardship.

Firstly, free school meals are not included in the cap.

Secondly, the only people that will be affected are those living in private rented accommodation and claiming housing benefit with 4+ children, so a very small minority (mostly in London).

A lot of households, even in London, will not be affected at all, even if they have large families as they live in social rented homes where the rent is negligible.

But if, like me, Orwellian, they are renting from the housing association that I am (though I'm not London based, I am in the SE, my HA is a London-based HA), and they signed their Tenancy Agreement at any point in the last 7 years-ish, then they will have signed an assured shorthold tenancy, which means that their rent will be raised significantly over the next two years, to be 80% of the market value for their area.

What that means to me, in a very small 3-bed (two single bedrooms, and one that is classed as a 'nursery' bedroom suitable for an under 10yo only), is that my rent will rise from the £522pcm it is currently, to £622 in April this year, to £722 in April NEXT year. The market rent for a 3-bed private rented house in my area is £900+ pcm.

And I WILL be affected by the cap, yes, I have 4 dc, but I live in the SE, NOT Central London - so I am even MORE concerned for those that DO.

HuntlyCat. Sorry to hear that. I feel your pain being a renter myself in the private sector and paying crazy London rent.

Are all Housing Associations going to raise their rent to 80% of market value or is it just a few? What HA are you in? Why are they raising their rents if they are social housing?

1. ALL housing associations are going to raise their rent on NEW properties to 80% of market value, and those that have Tenants that are ALREADY holding assured shorthold tenancies rather than assured tenancies will also be doing the same thing. (Which is why it will also be affecting me).

2. I don't really wish to say, could make me too identifiable to people that know what town I live in, they are trying to fight it, but are failing.

3. They are raising their rent despite being social housing because the current government has decided that they HAVE to. Even if they don't want to. And they are cutting the funding given to these HA's by the amount that these HA's could raise in revenue BY raising the rents IYSWIM, leaving the HA's with no choice, as they are not-for-profit organisations, so no other funds to fall back on.

Kind of defeats the purpose of social housing in that case if they are going to be almost market rents.

But I would imagine that not many HA tenants have an assured shorthold tenancy as the whole point of social housing was to have a secure tenancy. I didn't even know that it was possible to have an AST in social housing, I thought that was just for scum private renters.

As I said, I feel your pain. The new class system is landlords and renters.

I have been in my current home for over seven years, and I have an assured shorthold tenancy. And ALL new Social Housing tenancies are to be AST's. It's to do with the downsizing when your dc leave thing - the Government have decided that it is the best way to do that. I CAN see their point, to be fair. A single adult in a 4-bed council house while a family is stuck in one room in a B&B because there is no suitably sized houses for them IS wrong.

But it will have the effect of making social housing NEARLY as expensive as Private Renting, and NEARLY as insecure (they will review tenancies every 2/3 years). And if the council DEEM you to no longer need THAT property - they will 'Give you advice on whether private renting, shared ownership or buying a property is best in your circumstance'.

Also, on my local council's bidding page, they are now informing us that housing associations are requesting between 1 week and 2 months rent IN ADVANCE, just like private rentals, which is going to be IMPOSSIBLE to find if you are already IN social housing, which is often paid for in arrears (I know council rents are), or either partly or wholly paid for by HB, which IS paid in arrears.

If you are in an overcrowded social housing property, or temporary accommodation through homelessness, and you are waiting for a social housing house or a larger one - then the minute you move, even if you aren't CURRENTLY affected by this, you then WILL be.

It's not a class between LL's and renters - it's a class division between homeOWNERS and those who rent. . Return to feudalism, anyone? Bowing and scraping to the big landowner?