Help with reducing hours/help with any potential benefits?

[Pippinsqueak]

Hi could anyone point me in the right direction. I am looking to go three days a week from full time.
My full time salary would be £20,800 and go down to £12,480

After house hold bills £550, fuel £100, childcare £150, phone bill £20 I am left with approximately £40 a week for shopping and that's it.

I receive £80 a month for baby and tax free child care. I was just wondering if there was anything else I was entitled to that I am not claiming.

My husband works at a similar salary rate to mine but has more out goings than me. We ve tightened our belt, changed where we shop, debt consolidated, sold what we don't need etc but still find we are struggling.

Is there anyone who knows/could point me the right way please

Many thanks

With a household income of £32k you would be unlikely to be able to claim anything. If you struggle on a full time wage surely reducing your hours would make it worse?

I don’t think you’d be able to claim
Anything other than child benefit.

I have to reduce my hours as we can't afford full time child care :(

Can one of you work days, the other nights, then no childcare ?

Is your DH paying towards the childcare as well ?

Cut down on all unnecessary outgoings

Expenses may decrease when child attends school

Look round for cheaper child care

Entitlement to universal credit will depend on various factors like your age, what rent you pay, childcare costs etc. It's pointless people saying you wont be entitled to anything because it completely depends on circumstances and the threshold will be different for everyone.