2nd job?

[Pea22ches]

Hi all

I'm posting for some advice if anyone has any experience. I'm a single parent and I work 20 hours a week. My currently hour rate is £10.88.

I have little childcare other up until recently I will have Saturday 10am till Sunday 6pm twice a month. So I was thinking of picking up 2 bank shifts on Sundays 7am till 3pm the hourly rate would be £18.00 p/h.

As I'm on UC would it be worth the faffing around as it would mean I have 2 separate jobs? Has anybody got any advice please.

id use entitled to calculator and put in your pay with the extra shifts

a quick Joe blogs aged 34 with one child aged 8 working 20 hours per week earning £10.88. per hour paying £120 per week rent would get £168 per week UC

add in £144 x 2 per month to that and UC is paid at £132 per week

that would mean in that particular scenario you'd earn an extra £72 per week and lose £36 in benefit and keep £36 per week. Over a month you'd be better of by £144, BUT you'd start paying INCOME tax, at approx £101 - thats Ni and income tax added together. whereas presently you only pay NI at a very small amount about £22.50

you really need to do your own calculations though and then use

listen to the taxman to calculate your income tax and national insurance

if you pay into a pension this will reduce your income tax anyway

what will you gain professionally working on the bank? will it enhance your career prospects etc? is there a nigger picture than just money at this stage?

bigger not nigger obviously - sorry

Hmrc will report any earnings to uc so you won’t need to faff with reporting. I’d split your tax code between the 2 though

Hi its not for career prospects as such. Its mainly for the money and just to increase my hours although I'm not currently struggling as I am finicially. I haven't been on UC that long but in the school holidays my CC are high £160 a week as even though I work short shifts as I have to book my child in for the full day and only use part of the day. Thanks I will give it a go.