Are your children’s vaccines up to date?

Set a reminder

Please or to access all these features

Lone parents

Use our Single Parent forum to speak to other parents raising a child alone.

how does the budget affect us? what are the new housing benefit rules?

10 replies

AMAZINWOMAN · 12/03/2008 19:10

Just seen the budget on the news saying that tax credits will rise and housing benefit will change october 2009, so its worthwhile working.

But I can't find any more details about it!

How will it affect us?

OP posts:
Are your children’s vaccines up to date?
shelleylou · 12/03/2008 19:12

i saw part of it buit not all, local news said it would be on their website but ive just been looking and cant find it anywhere. I might get newspaper tomorrow as more thanlikely it will have something about it in there.

HappyMummyOfOne · 12/03/2008 21:33

news.bbc.co.uk/1/hi/uk_politics/7291841.stm

BBC has the bullet points, looks like more help for those who work which is nice to see for a change.

PersephoneSnape · 12/03/2008 21:54

bbc site also has a budget calculator ( pop budget calculator into bbc search, sorry too lazy to link and desperately trying to drag myself away from MN!) I'm £1500 a year better off, alaistair, you darling!

Aimsmum · 12/03/2008 22:11

Message withdrawn

gillybean2 · 13/03/2008 07:28

Remember that if your income goes up your Council Tax benefit might come down. Also might affect your entitlement to free prescriptions, school dinners and the like while working etc depending on your level of income. So the reality of how much better off you will be is all rather confusing until the changes kick in and you can see what you have in your pocket as it were.

Also bear in mind we are losing the 10% tax bracket and everything will be at 20% very shortly. This will make me around £200 worse off. So you have to factor that into your calculations if you work and earn enough to pay any amount of tax. The calculations probably base the 'being better off figure' on the fact that the change has already been announced. So take about £200 off whatever you get now if you earn enough to pay anything in the 22% bracket! And double what tax you currently pay if you are in the 10% bracket.

I haven't looked at the calculator yet to see what it includes, but i'd be sceptical of anything saying i was going to be hugely better off to be honest...

davidtennantsmistress · 13/03/2008 08:15

just a thought here - I want to go back PT to work, but waying it all up i'm going to be worse off (and I can't afford to be worse off ) but mostly as i'll have to pay for the prescriptions (which to be fair I very rearly have) but the big one is my glasses - well the tests and lenses, if I have to get those again. at the mo I don't have a dentist, anyhow the question is/was, on a lower income do you still get some assistance or is it strictly none?

according to that I'll be £200 odd better off but that's due to a raise in tax credits - why was it not shown in my forcast thingy they sent to me?

gillybean2 · 13/03/2008 09:25

Depending on your income you still get some help. I get a 'NHS Tax Credit Exemption' card. You have to ask for it when you start working and then they work out if you're entitled based on your income and then will renew it annually depening on your WTC & CTC claim form. So once sorted you don't have to keep applying. There are other things you may be entitled too as well, but you have to ask. I can't remember off the top of my head apart from free school dinners, but i wasn't entitled to any of the others as i earnt too much.

I work part time but above minimum wage and earn enough to pay full council tax. So pretty good money but still a pretty low income over the year.

I basically get all prescriptions free of charge with my NHS card, plus a free eye test and i think it's £30 towards the cost of new glasses and/or lens. You just have to show the card to the opticians and they note the number down and fill in the forms and you sign. All dentist is free still if you can get an NHS one. I couldn't and so have had to take my son to a private one in the mean time. I only go for myself if it's an emergency! But i guess a lot of people are in that position.

Remember one of the pluses of working and getting WTC & CTC is that if your ex pays any mainetance you get to keep the lot rather than just the first £10. Course if they don't pay much/any it's not any help plus council tax & housing benefit take it into account as income along with WTC & CTC. But then they reduce your income according to how much of it you spend on child care...

It's a very strangly balanced seesaw as to whether you are better off or not overall. And the figures are so hard to actually get to the bottom of.

I asked at my lone parent group yesterday how many members actually work. Of approx 45 parents only 6 of us work! (3 of who are dad's and 2 of those dad's don't have residency of their children so aren't doing the school run every day. Of the other 3, 1 has much older children (16 and 18) and the other two have only the one child). I fall into the 1 child catagory.

I was surprised, but it seems to reflect the general feeling that most lone parents (especially those with residency) are in fact worse off by working than they are working, or it's simply too hard to find lone family friendly jobs which are flexible as to hours perhaps. The big killer is housing benefit loss i find. I wasn't entitled to any even on Income Support so it wasn't a factor for me. Hence why i am better of working.

Gilly

davidtennantsmistress · 13/03/2008 09:34

yes that's the big one for me - althou i'm already having to find £50 p/m towards my rent as our council caps the rent (would have been nice to have known before hand) but either way, would still have picked this area as it's nice with good schools & a fantastic drs surgery etc.

I didn't know that about the eyes etc - I don't have a new frame every time (can't afford to, even with the vouchers) so will def look into it all more now. I did find a job which paid £10 p/h which isn't too bad for my line of work, but on the other hand they wanted 2 full days 8.30-5.30 which I wasn't as keen on. (would rather do 3 or 4 days)

bigmouthstrikesagain · 13/03/2008 09:58

bbc budget calculator

It is quite basic but gives you an idea...

littlewoman · 13/03/2008 13:23

I'm as poor as arse now, and expect to be as poor as arse next year. It means nothing to me, oh Vienna

New posts on this thread. Refresh page