Don't know what to do

[shorty100]

Any help would be great, basically tax credits have halfed our weekly amount from £140 to £70 a week, nursery fees are £135 a week and we can't afford to pay the fees now, was only just scraping through before they did this, no we don't know what to do, does anyone know what benefits we could get if i wasn't working as we both work full time at the mo, thanks

Tax credits are worked out by how much money you both have coming in.Are you sure they have the right figures?

Have any of your circumstances changed recently? If so, it will affect your tax credits. Have you spoken to them and asked them why they have changed so dramatically?

i rang them and they said, what they base it on is what you earn the year before, i didn't work much last year as had a difficult pregnancy, but now work full time, just don't know what to do as struggling to keep up with mortgage and pay £65 towards nursery fees a week

Could you maybe call and see how much you would theoretically get if you stopped work? I have no idea if this is even an option, but perhaps if you were to stop work and were able to cut nursery time and therefore pay less you might find you were better off? I honestly have no idea how the sums would work out though.

Are you using your nursery voucher things through your employers???

Could you cut costs anywhere else on your normal monthly spending?

Could you use a childminder instead of a nursery (I am assuming this is cheaper)

[trying to help emoticon]

We have cut costs everywhere we can and still very short of what we need, not using any vouchers, ds loves going to nusery, really hope he doesn't have to leave. meant to be getting married in september which is half paid for, and know looks as though we won't be able to, just really stuck.

shorty100 have you only got one dc?How old is he,if he has just turned one child tax credits drop down a fair bit.

He is 14 months, the payments used to be nearly £200 a week when he was under one, so thats why we are struggling so much now, does anyone know if i wasn't working whether we could get help paying the mortgage?

How much is your dh income before tax?
How much is your mortgage and council tax per month?

If you don't mind telling me i'll work out how much you should be entitled to.
If you don't want to tell me on here my email addy is
[email protected]

don't mind saying, dh earns 17000 a year mortgage is £677 and council tax is around £110 a month, thanks nextone

Not good news sorry.I worked it out with just your dh working you would get about £54.70.

what is the £54.70 for? really don't know what to do. really worried, we work so hard ad don't want to lose our house.

The £54.70 is child tax credits if you are not working,just your dh.

would we get any working tax credits? Sorry to be a pain, do you know whether it would be better if i was working part time instead of full time? thanks for your help

How many hours does your dh work?
If you work part time how many hours would you work and how much a hour?
You are not being a pain so don't worry.

dh works 37.5 hours i work 35 hours at the min, just wondered if i worked maybe 16 hours a week then we would be better off, prob be around £5.50- £6.00 an hour, thanks

dh works 37.5 hours i work 35 hours at the min, just wondered if i worked maybe 16 hours a week then we would be better off, prob be around £5.50- £6.00 an hour, thanks

www.entitledto.com

I have just worked it out with your dh working 37.5 and you 16hrs paying child care £135 a week.
£111.24 working tax
£50.54 child tax

If you don't work you will not get any help for child care.
£3.54 working tax
£50.54 child tax.