Benefits help?!

[ilovechocolatebiscuits]

So my husband is leaving the army in July so we are just looking at our options. I've found a job for 25 hours a week (around £275-300 a week) and my husband has found full time but childcare is so expensive it makes sense for him to stay at home and look after our daughter. She is 1 and full time childcare is £1400 a month, if he works part time (16 hours) then we would only need to send her 3 mornings a week which is about £500 a month.

We have bought a shared ownership house which is around £400 a month mortgage and £400 a month rent plus £80 ground fees a month.

I put all these details into 'entitledto.com' and it said we would be entitled to £500 a week? Surely that can't be right?!

Someone help before I go insane!!

How much would your partner be earning working 16 hours a week ? I would need to know the net figure per month. The benefit you would claim would be Universal credit but if either of you are paid weekly it will vary how much you get each month. Does your partner get an army pension?

I wouldn't surprised if it probably is correct.

Benefits for people choosing to have children they can't actually afford are ludicrously generous.

It's highly likely wrong unless the rental part is very high for living in London.

What did you input for housing costs?

Check as the army should have some form of welfare support for people leaving.

The army should be putting you in touch with different welfare places to help with stuff like this

I see the main issue being your shared ownership, make sure that you’re allowed to claim housing help for rent if you also have a mortgage

Hopefully it's wrong, it's seems unfair that those who cannot work can barely afford to live, yet someone who has chosen to leave a secure job has left to work part time.

Grumbley you really think the army is a secure job

Aside from the rounds of redundancy in 2013 (many of who they offered a nice sum to sign back on) yep, especially as they are chronically short of most trades.

Umm the redundancy option isn’t the only way you leave the forces

True, you could be medically discharged or for gross misconduct I guess. The vast majority leave by choice though.

@Grumbley Erm or you could die

I wonder why the vast majority leave by choice

By die I don’t mean natural causes

I would advise CAB for some real advice.
And ignore the negativity on this thread.

Could you partner work nights/evenings and you during the day maybe?

@ilovechocolatebiscuits Did you read the monthly figure as weekly?£500 a month, not a week, sounds about right for you both plus one child, you working, DH not working so no childcare costs, shared ownership.

But as other pp have said you need proper advice as any pension, work, age or other variable can change entitlement. SAAFFA can also help with benefits and other financial help.

Also if you have savings over 16k you will not be eligible to claim UC. Any savings between 6k and 16k will reduce the amount you receive. I'm just highlighting this as someone above mentioned pay outs from the army and also as you mentioned part buying a home, it suggests you may have savings. Good luck.

Just realised you did input the rental costs. Absolutely no chance you'd be getting £500 a week, if your joint income, that would make more than £3500 net a month. Who would work ft if that was the case with only one child. I expect assisted already it is £500 a month, even then it seems generous.

Why are you not looking at full time or extra hours for you both?

I realise my response earlier was a little bit savage. But yes, he will be entitled to learning credits before he leaves regardless of how long he has been in, if he uses them wisely (a lot get forklift licenses, for example) then he might be able to secure a job which pays a fair amount an hour and you could both work around eachother. £2k a month would be ludicrous.

Army welfare is absolutely shit unfortunately so they are no help what so ever

My husband leaving the army has nothing to do with you so it should not matter why he is leaving. No he does not get any pension and no he does not get any help leaving. No he has not been kicked out and no he has not been officially medically discharged so please mind your own business!

Why would you get help with housing if you are buying the property ?
That seems terribly unfair if benefits will be halping you to BUY a property ?

@Grumbley you're really pissing me off. Mind your own fucking business! They do not help him what so ever, he begged to get help writing a cv and they told him no.

He signed off due to personal reason which you do not need to know nor need to judge before you know!!!!!

@Tenetenba it's shared ownership, it's a government scheme and its the same price as renting a house

@Babyroobs we get no pay out from the army

Benefits for people choosing to have children they can't actually afford are ludicrously generous.
Did I miss in the calendar that’s it’s take the Mick Monday?