Single and working - financial advice

[Chance001]

In Scotland.
Currently work full time on salary of £24,000.
Now pregnant at age 39.
Not in a relationship.
Will receive maternity pay from my work.

However, after baby is born -

I would prefer to return to my work part-time.
What financial help would I get if any?
I own my own home.
Really worried about what financial situation would be like.
I’m in Scotland.

Any advice would be appreciated

Using a benefits calculator such as entitled to or turn2us would be your best bet and putting in the information re working as if you’d had your baby, returned to work and had childcare to pay.

I’m in England but even when I was working full time on £26k a year as a single parent I was entitled to tax credits to help with childcare costs.

Hopefully someone with more relevant/useful information will come along.

You say you own your own home op. Is this mortgage free? If not I think your biggest problem working part time might be paying the mortgage. Don't know how things work in Scotland but in England you would get housing benefit towards your rent but nothing towards a mortgage for several months.

Hi, sorry I meant I have a mortgage

Shiningstar is unfortunately right.

There's little difference between England and Scotland in any meaningful way. The main one is here in Scotland the bedroom tax is mitigated.

Best advice I can give is to go to your local welfare rights office for advice.

The calculators can give a GUIDE to how you'll be but aren't always accurate particularly with anomalies - like your being a mortgage payer - as the rules around it are so complex it's pretty much a "case by case" situation.

I hear you’re not in a relationship, but the father should still be supporting his child