Not enough money to live

[highspirit]

At the moment me and dd live by ourselves in a council flat. I have a dp who doesn't live with us.
I work 16 hours a week and dd goes to nursery for the 3 days I work and we just about get by.

I have now found out that I'm pg. Dp and I are happy about it and I would like him to move in.

The problem is when I did the sums yesterday it seems our outgoings would be £250 more than what we earn.
I would lose loads of the working tax credit I receive at the moment and we would have to pay full rent and council tax.

I just don't know what to do. I feel really

I'd go to the CAB and get advice on what benefits/additional financial help you would get. Congrats on the baby

Thanks

Yeah I'll make an appointment. Don't think we'd be entitled to anything though.

Highspirits - You wouldn't lose out too much on your Tax Credits surely. You're childcare costs will go up anyway... they willl give you more for that. Plus you get the 'baby element' for the 1st year. Does you're DP earn good money? Or are your sums including his income?

I've been on the tax credits website that do I qualify thing) and it seems that I'd get about £66 per week when the baby comes. The childcare costs for both would be £151 per week.

At the moment I get £95 per week working tax credit and £123 every 2 weeks and pay £89 for nursery.

Dp doesn't earn good money. Hes a bus driver and brings home £180 a week. He said he'd do overtime but thats not really reliable. And he can't leave for 2 years or he'd have to pay £1000 back for training costs!!

The tax credits thing will show you the wrong amount unless you have worked it out for the dates it says.

It will think you mean you earnt that much between now and april not april and april iykwim.

Try www.entitledto.co.uk instead.

That website says we would get £175.65 per week tax credits

What a difference!!!

Try the jobcentre as well, they done a calculation for me before I went back to work and it was spot on with rent, tax credits etc.

That site is brilliant. Much better than the inland revenue one.