Are SAHM with working DH entitled to any financial help?

[thimbleina]

A little background - I have two small kids not yet of school age, my husband runs his own business and works 6days pw, long hours

I am just wondering if I could be entitled to any financial help? I have never looked into claiming benefits before now so I'm completely in the dark. The last almost 12 months now my DHs business has been really starting to struggle, majority of his own money gets pumped back into the business, the rest only just about covers mortgage, bills and a loan he had to take out.

I am a voluntary SAHM, nothing actually prevents me from going back to work other than the fact I don't want to miss these years with the kids, that's my choice and if the answer is no I can't ask for money I'll shrug my shoulders and carry on (please don't post nasty answers just for me asking!)

I don't want to scrounge, Just get a little extra to go towards food/warmer clothes ect for the boys so I don't feel I'm always getting money from DH that's eating into something else if you get me? Family allowance doesn't really go far does it lol and it won't be forever, just until the business picks back up again

We never go out for meals or indulge in things that obviously could be cut back on to help with money, I've literally pulled back as far as I can

TIA

It depends on his income, however it's likely you'd only be entitled to child benefit about £20 p/w, you can go onto 'entitled to' and see what you're able to get!

I think the cut off for tax credits is around £32k household income with 2 kids.

What do you mean 'Always getting money from DH'? Of course you are, he's your husband and he's supporting you all, that's as it should be. How much money is being 'pumped back into the business'? Whether you as a family are entitled to benefits depends on your total income, not how much your husband decides to give you. Phone the department of work of work and pensions and ask them.

Presumably you get child benefit - is that what you meant by 'family allowance'?

Tax credits depend on household income. Have you check on www.entitledto.co.uk/?

Maybe tax credits it depends on your household income and most likely child benefit.

I think your question is "are WE entitled to any benefits" OP. It doesn't depend how much money your DH "gives" you, it will depend on how much income his business brings in to the house.
And if you are staying home by choice presumably that is a joint choice which you and your husband have made on the basis that as a family you can cope financially on just his income. You definitely shouldn't feel like you are scrounging from him! If you as a household are struggling then you do need to look into whether there is any additional help you are entitled to as a family or indeed whether you can afford to be a SAHM whilst the business is not doing so well.

Is there anything you can pick up from DHs business work wise? If he pays for admin or payroll support etc could you do that instead which would save a little money

How can anyone answer without knowing how much your husband earns?

It will depend on household income. If your household income is low then you may be entitled to tax credits or Universal credit if you live in a full service Universal credit area. UC is not good for the self employed, but it may bring in some extra household income.

Depends on what your household income is.

Unfortunately most of us would like to stay home with our kids, but we have to work. Choices.

We’re in a similar situation, with the exception that my DH is not self employed, and I am not entitled to anything other than child benefit. I can’t even get any assistance in paying for prescriptions or dental care, as all they ever care about is your family income, and not actually what your outgoings are.

I love being a sahm, but if I went back to work, I’d end up with around £100 per month after paying for childcare and travel costs to get to work. £100 isn’t even half of our monthly council tax bill.

I hope that you are entitled to something, but I very much doubt it.

Whether you are entitled depends on your dh income. It is classed as joint income . It may be child tax credit or universal credit depending w your area