Help?

[Hattie05]

Today i have finally decided to split from my partner, we have a 3 yr old dd together. He has left and i am now sat here feeling very low, and wondering how i am going to support me and dd.

Can anyone tell me if i am likely to be entitled to any financial help? i know i need to ring the inland revenue, but desperately trying to work out some figures tonight so that i can go to bed feeling like there is a glimmer of hope.

Basically we have a mortgage on our home, and for the time being i shall stay here. I work p/time and my salary is about £10,000 in addition i receive £68 childbenefit and £35 child tax credits.

Dp will pay maintenance - but have no clue how much - does anyone know what the rate is?

Would i be entitled to more child tax credits?

I am considering getting weekend or evening work in a supermarket - but question whether that will make me better or worse off in terms of the child tax credit entitlement. Taking into account i'll be knackered from my dayjob and struggle with childcare as it is.

I'm sorry this is so long, but is there anyone out there in a similar position who could give me some idea on figures?

What stage do you have to be at to get state help with interest of mortgage? I'm guessing i'd need to be out of work completely.

bump

I have just been to a website recommended on another thread and managed to answer most of my questions except for help with mortgage.

Does anyone know under what terms a single parent can get help with a mortgage?

Please someone speak to me i am so messed up.

You could get some help with your mortgage payments . I think Housing benefit pays either some of it or interest only payments. Not a lot of help as I rent but I wanted to make sure your post got answered.

LOL thank you. I am feeling so down that i was feeling sorry for myself that everyone had ignore my really boring question .

I dont know but this will bump you. So sorry your feeling

no a lone parent myself but know that this \link{http://www.entitledto.co.uk/\website is helpful hth}

i dont know anything about the mortgage side of things but thought i would bump your thread for you. i know its not an easy time. sorry i dont have anything more helpful to say.

Hattie - Housing Benefit is means tested and if your income falls below a certain amount (not sure how much) you'll be entitled to help with the mortgage contact your council Benefits and Revenues dept and you'll have to submitt your financial details with proof.
Tax Credits will go up to the maximum rating if your income is lower than £15,000 per annum I think any benefits are not counted as earned income here but don't quote me.... I know my Student Loan isn't counted.

This could be a really good opportunity for you to get out there and do the qualifications you've always dreamed of doing, the support for Student single parents has never been better - I cope with my dd and baby, in fact, I kind of more than cope with a little elastic budgetting

Well done for making the break - I don't know your story, but it's never easy to make a decision to be without a partner, there always seems to be something comforting about even the crappy ones!

Hope your not feeling too alone and down, the unrivalled bond that can develop between a single parent and their little ones is so, so, so rewarding... enjoy!

Thank you everyone.

Wabbit, thats made me cry thanks ever so much for that supportive message. I only feel sadness at the moment - feel like i've done the wrong thing. DP begged me to stay together - i stood strong and said no. It'd only take one call and we would be back together again with no tears iykwim. I am fighting my sadness to stay strong and trying to tell myself i have done the right thing.

How old is your little one? and for how long have you been a lone parent?

Hi Hattie.

My dd is 14, I stopped seeing her dad before I found out I was pg and he had/has a drug habit so NO attempt at re-starting the relationship for the sake of our baby. I had a long relationship from when dd was 4 to about 3 years ago - but I maintained my financial independence and dd saw him as a 'buddy' rather than a 'daddy'. So I've always been the only parent.
I'm really close with my sister so she's had a lovely relationship with dd too, we call eachother 'auntie-mummies' as we take such an interest in eachothers LOs

DS is 24 weeks old - and a month ago I found out dp was having an affair throughout my pregnancy So I guess I'm on my ownsome again!

That is, unless we re-forge trust and commitment! But perhaps the die has already been cast!

It is awful feeling so sad, but if you know it's the only way for you to be truly happy, you've done the right thing, best wishes x

Thanks wabbit, and wow you've been through a lot how on earth are you coping at the moment with such a tiny one? and going through that.

Ahhh, it's all still very raw, sad bits mingled with I can hold my head high 'cause I've handled myself so well mixed with wanting to crumple into a heap and be loved better really!

That and I'm really busy - essays starting to be due in and trying for a reasonable mark this year.

Thanks, concern and empathy go a long, long way

Just off to Uni now but I'll pop back on the thread when I'm back

sorry I was caught up... Hattie hope you're feeling OK tonight, has your parting with your dp been happening over a long time - have you started any threads about this? don't want you to have to regurgitate stuff you've already discussed on MN
Sleep well