Financially linked?

[exookofa]

Hi. I'm new and wasn't sure where best to post this. I'm currently on esa and pip and expecting later this year. My boyfriend is working, and I need to transfer over to universal credit since I've moved.

What I don't want to happen is that they'll take his income into account re my benefits or that of the child.

When I stayed with a previous boyfriend, they didn't take his earnings into account, but I'm unsure if having a child changes that. I'm just so confused and don't know what to do as he really doesn't earn enough to support us all :(

Add to that, baby daddy living at same address, your 'lodger' theory won't work out.

No well I can move about fine, but do need to sit down for periods every so often because of the fibro. I choose not to take meds, so it's worse than perhaps it would be, but that's my choice.

He's on £22k pa but that's not a terribly large amount.

To tell the truth, we are on Rocky ground as it is at the moment, so I'm unsure if the relationship between us will last sadly. If that does happen, surely two people living in the same house , even with a child wouldn't be considered joint?

Things don't always pan out the way you'd hoped, but it's a large house and in a very good area, so I think we'd both do it for the child for the time being until I can find somewhere else (if I need to)

Apologies if I've upset anyone btw. It was certainly not my intention

If that does happen, surely two people living in the same house , even with a child wouldn't be considered joint? There is literally no way around this. They will never believe you are not still in a relationship. Even if they do accept that, you cannot claim for paying rent to someone who is the parent of your child.

If you're on rocky ground, why on God's green earth did you give up your home and benefits and move in with him? Did you honestly think you'd retain your benefits?

22k is not a lot to survive on. How much is the mortgage? Are you rural or city based?

Mortgage is £360 a month. Bills are about £600 at present and he comes out with £1450 ish a month

That's excluding credit card debts, bus, food and clothing etc.

It is what it is. That's love for you :)

Well that leaves £490 per month from him, and I'm guessing about £320 per month from you PIP to cover food clothing etc.
Not bad. £810 a month disposable income?
Stop whinging.

🙄

Oh blimey OP why have you moved in with someone you’re not even sure you have a future with?

You are a couple so your application must be joint. Tbh even if you break up until you move out you’ll be considered a couple.

I think you’re leaving yourself very exposed. You are making yourself entirely dependent on him to the point where you can’t break up.

You’d be better off moving out and valuing yourself a bit more.

Lots of people survive on that income OP. You can make it work as long as your OH cooperates.

You shouldn't let the fibro hold you back you either. Take whatever treatment is available for your condition, once your pregnancy is over. You'll need to be as functional as possible to look after a baby, anyway.

Then think about your skill set and whether self-employment is more accessible to you than working for an employer or whether a different field altogether might be a good idea.

If you chose not to take meds that may help enable you to work and support yourself then that isn't very reasonable. I work long hours through a lot of pain daily because I don't have a choice -we need money to live. That's life. The benefit system exists to catch you when you fall and rightly so - but you should not be defrauding the system because you'd like an easier life/more money. We'd all like that!

Oh wait, it turns out that now the relationship is “rocky” and they will just live in the same house for the sake of the child and not actually be in a relationship - it’s not us you need to convince OP, and I’m sure the benefits people have heard it all before

£490 left from his wages plus child benefit approx £85 plus pip so £200+ or £300+ depending on rate.
That’s plenty after morgage and billsfir a couple and baby. Considerably more than many people have.
I don’t understand the issue?

I'm wondering OP is pulling our legs a little bit.

Well I used to be on meds and nearly had liver failure. I just don't believe in putting those things in my body any more, but I respect others do and that's their choice.

I didn't total it up like that. Must admit my head is in a complete tizz at the moment and just scared

Well I used to be on meds and nearly had liver failure. I just don't believe in putting those things in my body any more,

There are very effective painkillers that won't give you liver failure. Sadly, the reality is that when you're ill or have a medical disability, you have to accept treatment that helps.

You do seem to want it all your own way on the taxpayers tab.

You are not in any kind of position to be bringing a baby into the world. Poor bloody British taxpayers!

He has a lot of outgoings and we've managed with having separate funds so far living separately. If that was to change (and genuinely I can't work due to health) I don't see how we could continue to afford to live under the same roof

Should have thought of that before deciding to have a baby that you can't afford.

Contraception doesn't always work. Don't judge, it doesn't endear you as a decent person.

It's still a choice to have a child.