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lone parents with teenagers - what do you do when tax credits run out?

50 replies

singledadofthree · 03/11/2008 23:14

have wondered about this for a while.

i work full time tho on a low wage. with overtime every week i still only take home £300 or so. this means i rely on tax credits as a lone parent adding about £170 a week.

the trouble is child tax credits will stop in a couple of years and ive realised i'm going to be well skint.

has anyone found this and what do you do? other than finding a better job of course?

OP posts:
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ChasingSquirrels · 03/11/2008 23:25

you have to chuck the kids out so you can live more cheaply.
umm, maybe not a realistic suggestion.
Send thm out to work and charge them board?
At what age do take credits stop?

skramble · 03/11/2008 23:26

Have you checked what amount of working tax credits you will still qualify for.

I think there are also grants for teenagers over 16 who stay on at school.

Not got to this stage yet, hoping to pck mine off to uni where they will have to fend forthemselves as I plan to travel

skramble · 03/11/2008 23:28

You can claim CTC for a young person for whom you are responsible and who is between the ages of 16 and 19 and in full-time education or approved training.

The upper age limit was increased from 19 to 20 with effect from 6 April 2006 to enable a young person who has started a course before their 19th birthday to continue until they reach 20 without their parents or carers losing child tax credit. But young persons who attained the age of 19 before 6 April 2006 do not qualify.

To be in full-time education, the young person must be receiving full-time, non-advanced education. They must be studying at a 'recognised educational establishment', ie usually a school or college or comparable institution, but they can also be studying elsewhere if the education is recognised by the Secretary of State, Scottish ministers, or the Department for Employment and Learning. The course of study must also not be one that the young person is pursuing because of his or her employment.

Full-time study means not less than 12 hours a week spent during term-time in tuition, supervised study, exams and practical work. The 12 hours includes gaps between courses, but not meal breaks or periods of unsupervised study.
Non-advanced education includes an ordinary national diploma; a national diploma or national certificate of Edexcel; GCSEs; GCE advanced level (AS and A2 levels); Scottish national qualifications at advanced or higher level - any qualifications being above that level (eg degree) being designated 'advanced' education.

Approved training is defined by reference to various training programmes arranged by government. These are 'Entry to Employment' or 'Programme Led Pathways' in England; 'Skillbuild', 'Skillbuild+' or 'Foundation Modern Apprenticeships' in Wales; 'Get Ready for Work', 'Skillseekers' or 'Modern Apprenticeships' in Scotland; or 'Access' or 'Jobskills Traineeships' in Northern Ireland.

If training is provided to the young person because of their employment, it cannot count as approved training.

A young person also qualifies if:

they are under 18;
they have left full-time education or approved training; within 20 weeks of that date they have registered for work or training with the Careers Service, Connexions Service or the Department for Employment and Learning;
they have notified HMRC within three months of leaving full-time education or approved training; and
during that time they have not engaged in qualifying remunerative work or received income support or income-based jobseeker's allowance. Qualifying remunerative work in that context means at least 24 hours work a week done for or in expectation of payment; and does not include work done for a charity, as a carer, in pursuance of an Intensive Activity Programme or a sports award, or as a participant in an Employment Zone programme.

Finally, it doesn't matter if a young person's course of full-time education or approved training may be interrupted for up to 6 months because of their illness or disability, to the extent that HMRC consider it reasonable, or for any other cause that they consider to be reasonable.

skramble · 03/11/2008 23:28

Oh sorry bit much cut and past should have just linked to here

alleve · 03/11/2008 23:32

The reasoning behind this IME is that once the children reach 18 then a parents responsibility has ceased. So they are working and can pay bored, if living at home, or they are away studying at higher level, which is not for parents to provide for.

So the only solution is to work full time as if you didn't have kids.

glitterfairy · 03/11/2008 23:33

So when does parental responsibility end legally then (I know for some of us it never will) isnt it 16?

alleve · 03/11/2008 23:33

Board, of course. Just read the x post but it still reads to me as once in higher ed then all benefits stop.

singledadofthree · 03/11/2008 23:34

wow!!

thought youd just typed all that

youngest just started college and one off to uni next year. means all child stuff stops in about 18 months.

as for working tax - i'll get 20 quid a week.

theres no way i can survive on it. and dont intend kids to stay here forever.

really means another career change in a year or so...

or could i just travel the world with you?

OP posts:
alleve · 03/11/2008 23:35

16 if they leave school and don't go into further training which is unlikely. Then 18.

skramble · 03/11/2008 23:38

If you can cope with a tiny camper van, but I won't be heading off for a few years yet DD is only 9, but she was interested in a dance school where she can live in, its state funded so she might get a big push in that direction .

Tinkerbel6 · 04/11/2008 10:46

singledadofthree you are going to have to soon start tapping your children for money, like a role reversal

mashedup · 04/11/2008 15:28

Hi.

I've been thinking the same thing as my 2 DCs are 16 and 17. The eldest gets EMA as he's at college then plans to join the RAF after his A'levels. The youngest is planning to go to college as well for A'levels.

I'm studying for a degree and other courses to increase my income. I don't want to leave the company I work for because it's a large company with different departments to work in. They also pay quite high salaries if you have the right qualifications and/or experience.

My DCs have told me they'll help if I'm skint, which is really nice, but I want to increase my income to help them as well as myself.

It does worry me, the tax credits are a safety net, which is why I'm studying. Until my millionaire arrives, I can't think of any other way.

needmorecoffee · 04/11/2008 15:45

you'll get CTC until they are 18 if they stay in education. If they leave school or reach 18 they will have to get a job.

skramble · 18/11/2008 01:19

Just revisiting this thread as I was thinking more about this today and I am starting to scare myself.

When kids leave home CTC, Child benefit and maintenence will all stop so my income will take a severe dip. I only work part time in a job that doesn't really have much more opportunities in it.

I am struggling to get any other job as I need to be home at 3pm for DD after school, for at least another 2-3 years, even once they are both at high school I don't really want them to come home to an empty house. Granny can have them after school a couple of days but unfait for her to have them everynight. They also have a some activites after school which I feel are very important and they are in town we are in a village. How do they get to them if I am not home until 5.30-6pm.

So what I am forseeing is in 5 years time when they can really manage them selves and get bus into town etc, I will be past it and not employable. How they feck will I manage on just a small partime wage and a bit of tax credit. I live in a bought house but on a very cheap mortgage, I don't think I could even afford that.

Gosh now I have totally depressed myself, do I need to find a live in lover to half the bills???

Tinkerbel6 · 18/11/2008 09:45

skrambe I doubt you will be past it and unemployable, I think the government view is that once the children have reach adulthood and left home it leaves you free to explore other avenues like full time work or take on an extra job, if your children will still be living at home then they should be contributing to the household, don't start worrying whats going to happen in 5 years time

skramble · 18/11/2008 22:54

LOL I feel past it already , and I really do need to get a proper job of somekind. I know I shouldn't worry but I feel I need to do something now about it.

I know if they are staying at homw they will be contributing, but I am thinking if they leave home to study, I will have to help them out but will have to pay all the bills etc that won't be much less once the kids leave home.

Ah feck it I will sell the house, pay off exH add live in my camper van in someones drive .

Dropdeadfred · 18/11/2008 22:58

hmmm...does anyone then think that CTC etc is too much if you will notice such a huge loss even when/if your children leave home?

singledadofthree · 18/11/2008 23:00

ive found a solution as i'm a few years ahead of you. i work at least 10 hours a day, today it was 13 - can do as much OT as i want. the trouble is, tax credits will soon stop and then i'll have to do even more. and my mortgage has another 9 years to go.

i rather like your idea of a live in lover to share my bills...i mean life with

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singledadofthree · 18/11/2008 23:04

nah tc arent too high. saw a government debate before they came out. there were two options - cut house prices nationally by 30% or introduce some kind of wage top up to help closee the gap. they came up with tax credits.

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skramble · 18/11/2008 23:04

No not really that is what is keeping me alive and helping me to pay the bills .

I have a very small mortgage which is less than I would pay in rent, and all my bills are reasonable etc.

No what I am realising is that me being on my own means I will have to get a decent job which will be hard as I have been out of the proper job market for so many years.

I am trying my best to continue my personal and professional development currently studying a full time foundation degree by distance learning, previously done a course witht he OU, plus working part time and taxi two kids to their actvities, oh and help with the brownies.

singledadofthree · 18/11/2008 23:15

ah career development? i reached the top of my current career ladder on the first day - i'm either a high flyer or it was a very short ladder
will have to change again in a couple of years sadly. i really enjoy my job, it just doesnt pay much...i could always go back offshore...snore...the highlight of that career was watching the northern lights on night shift.

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skramble · 18/11/2008 23:28

Ive been doing my current job for years but still getting no where, thing is I don't thinkthere is anywhere to go, certainly not with the company I am with, besides I don't want to be in the same office as exH ( he is one of my seniors ATM. [argh].

I think I need to head in another direction .

singledadofthree · 18/11/2008 23:44

for the first time in my life i'm thinking i'd like to be indoors in the winter. is getting a bit cold n wet for long days and i'm beginning to ache too much. tho i do have a lovely new chainsaw, all bright n shiney - and lots of woodland to tend.

have really got into property renovating lately - hence the late nights. have thought for years of selling up and churning out cheap rentals aimed at dss. tho have to wait till kids are up and away. who knows.

OP posts:
skramble · 18/11/2008 23:45

Oh nothing better than a bright and shiney chainsaw, unfortunatly I can't use one in my job, though often tempted .

Dropdeadfred · 19/11/2008 11:30

but if the tc isn't too high then why wil you notice such a difference when your children no longer need housing/feeding etc?