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Relationships

Mumsnet has not checked the qualifications of anyone posting here. If you need help urgently or expert advice, please see our domestic violence webguide and/or relationships webguide. Many Mumsnetters experiencing domestic abuse have found this thread helpful: Listen up, everybody

how much money will I get from the state if I leave my husband?

75 replies

whateverisnext · 27/01/2018 13:32

If I leave my partner I will move back to a property I own in another part of the U.K. I will have a five year old and two year old. I will have no job and no real sellable skills to get a job, certainly not one that will cover child care costs.

The property I own is my only asset and is owned outright so I can live rent and mortgage free.
What money will I have to live on if I leave? Will I have to divorce my husband to be entitled to anything?

OP posts:
DullAndOld · 27/01/2018 14:25

You will be fine OP.
Get the benefits sorted to start with and go from there.
I really hope it goes well for you x

Ilovecamping · 27/01/2018 14:27

430 - Obviously you have lived a virtuous life that has had no setbacks, someone is asking for advice, not to be vilified, why comment when you have nothing positive to say.

southboundagain · 27/01/2018 14:31

Just checking, have you owned that property outright since before you got married? Useful to make sure it isn't going to be counted as a marital asset.

MyDcAreMarvel · 27/01/2018 14:31

Sorry £34 child benefit not £24.

MammaTJ · 27/01/2018 14:39

OP has it well within her power to be a fully self sufficient household, yet she wants to take money from other households where people are in insecure, often unsuitable housing, sick or disabled, and with little or no prospect on the horizon to be able to buy themselves.

I believe you are trying to talk for me 430West, please don't!

I am disabled, rent and am now too old to even hope of saving enough for a deposit to get a mortgage. I however cannot see any sense in the OP selling a home she already owns, in order to not claim benefits for what would be a short period of time, with the best will in the world.

Your plan for her is incredibly short sighted, based on your own jelousy, and does not save the tax payer (my DP) and money in the long term and could cause a family a lot of grief.

LadyLapsang · 27/01/2018 14:40

If you are moving back to Scotland, worth considering that as a Scottish student at a Scottish university you wouldn't pay fees and might also qualify for help towards living costs, so some good things may come of this further down the line. This may give you an idea of what your DH may be expected to pay towards the children -

www.cmoptions.org/en/calculator/index.asp

WitchesHatRim · 27/01/2018 14:42

Just checking, have you owned that property outright since before you got married?

Doesn't matter if it was. It can still be classed as a marital assett.

OP needs legal advice.

SometimesMaybe · 27/01/2018 14:47

In your position in Scotland your two year old will qualify for 600hours childcare so look into that, you 5 year old will also get nursert paid for so that should help you a) get some training done now or b) get a part time job after you have settled in.

Temporaryanonymity · 27/01/2018 14:48

I've worked as a lone parent since mine were the same age as yours now. It is possible and back then I got a small fortune in tax credits to help with childcare.

Now I earn more I can't claim tax credits and obviously the kids are older now and nearing independence. I will always be grateful for those tax credits. Without them I wouldn't have been able to work at all and our lives would be very different.

Ragusa · 27/01/2018 14:49

Early years work is really poorly paid OP. I would look at something more lucrative. It will give you a better life.

And don't sell your home. Ffs. Some people!

I am happy to pay my tax contributions to support people in your position who need to start afresh.

BrazzleDazzleDay · 27/01/2018 14:56

Op you could study childhood via the OU for free in scotland

Oldraver · 27/01/2018 15:04

OP has it well within her power to be a fully self sufficient household, yet she wants to take money from other households where people are in insecure, often unsuitable housing, sick or disabled, and with little or no prospect on the horizon to be able to buy themselves.

And you want OP to sell her house so she will be in the same position n a few years ? You fucking nuts

Myheartwentpop · 27/01/2018 16:08

I get pretty much what has been quoted. Entitledto was if I recall very accurate. Income support is until the youngest turns 5.

I'm studying part time and doing voluntary work with the hope of related paid work in a year.

I have a mortgage although quite a bit of equity. I would never be able to buy in the future if I sold up. I am making use of the safety net that is the benefits system. I worked for many years, I will work again. Ignore comments that would make you feel bad. it's difficult enough finding your self esteem when starting over.

Money is tight but it's manageable.

deste · 27/01/2018 16:08

If OP has been living in England she will not get her fees paid. You have to live in Scotland three years prior to applying for further education.

Lifeisabeach09 · 27/01/2018 16:19

You may have to go onto universal credit rather than Income Support, depending on where in Scotland you are.

www.gov.uk/universal-credit

The rules for UC are different than for old benefits such as Income Support.

Joysmum · 27/01/2018 16:30

I don’t know your personal circumstances or Scottish law.

I’m in England and was told that having been in a long term marriage (20+ years) the premise in law is that I shouldn’t come out of the marriage with less means than my DH.

I haven’t been employed for years and they’d be reason to expect a higher proportion of assets to tide me over to train to go back into employment.

Also, that it would be expected for us both to detail income and outgoings and I’d not be penalised for freeing up assets to get me through until a divorce settlement was agree if it was only for frugal living expenses rather than lavish holidays or to deprive him.

Obviously you’d need advice tailored to you so please don’t assume what I’m writing is relevant to you.

ScaredMum22 · 27/01/2018 23:40

Sorry to rain on the parade, but I've been a single parent for over 12 years, it is not as simple or easy as just claiming some make out (not pointing any fingers). The government are trying to siphon off the support people need and children are in poverty because of this. It is really difficult to find reliable childcare in order to work if you don't have family on hand to help out. The government and particularly the private companies running the work programme you are put on after being unemployed for over a year, they don't care about restrictions to the hours you can work, they try to sanction left right and centre for such things as not being able to take a job until 9pm on weekends. I love to work, have worked most of my life, but where childcare is scarce and only Mon to Fri 9 to 5 at best if there are places free it is difficult to juggle. What am I supposed to do - leave my children at home alone?? Work programme call it "putting up barriers" , I call it reality being the main carer. There actually targets for sanctioning. I have had to get the police onto them for their harrassment and bullying. Only thing that worked. On universal credit you won't get any payment for up to 6 weeks and landlords don't like to take you on. I am not sure how it works wrt owning your own property.

It is an uphill struggle of fighting, beaurocracy and paperwork, to get just enough money to exist on. Meanwhile being treated as scum by job centre, work programme, universal credit.

Currently me and two children surviving on £41 total per week although our rent is paid mostly and the deficit made up by my ex partner. You should get £73.10 for yourself, plus £117 for two children plus £34 child benefit. However I had to leave the care work I had been doing since 2012 last July because it was all sorts of hours and my sister who had been doing childcare for me moved away and had a baby. I was sanctioned for 'leaving a job voluntarily' and have a tax credits overpayment as left in middle of a tax year, they admit it's not my fault just how it is. I have called and pleaded, no one cares, my appeal was rejected twice. They don't care. If it wasn't for my dad sending money we would barely eat. Money goes back up in April but we have been living like this since July and using food banks. My daughter goes to a good school out of area and they have bought her a laptop and given a grant for uniform. I am embarrassed I cannot afford things for them others have, I have to take her pocket money to pay for internet connection, i/we walk over ten miles a day to save on bus fares and I am in big arrears with gas and elec. Saving up for lightbulbs after paying out for vaccine. Rent always paid thankfully. The £41 goes on food only. This is how we have been surviving since last July. Have considered prostitution but cannot bring myself to do it and it is against my religion. Roll on april.

I don't mean to scare you, if you need to leave you need to leave, but I have resolved to tell everyone who thinks there is a safety net their taxes pay for, just how it can be.

I wish you luck OP but please do your sums, take advice and don't be bullied. Make sure you and your children will be provided for before taking the jump if at all possible. Welfare Rights and a branch of the police community services have helped me.

Sorry for the hijack but I have resolved to try and make people aware who think their taxes are being used for a safety net for the vulnerable , what is really going on.

Springiscoming123 · 28/01/2018 00:11

op im on benefits and own my mortgage free house,im saving in theroy my LA approx £900 a month rent,expensive south here house worth 280k so high rent and on that rent i would have to top up £200 a month to make the full rent £1100

dont sell,its a huge relief knowing your not at the mercy of a LL

blankets4ever · 28/01/2018 04:13

don't think you can claim income support if you have more than £16k in assets (unless one of a few exceptions apply - you are sick, or a carer for example)

@430West, the savings limit for income support tops up (which will go under UC) is the same for someone who is unable to work due to sickness or disability.

blankets4ever · 28/01/2018 04:18

Ps and agree with all the comments selling your house would be a false economy, barmy suggestion from 430West

RebootYourEngine · 28/01/2018 05:20

Do not sell your house unless you have to ie your house is classed as a marital asset and your dh is entitled to half of it.

Entitled to is a good website to help you guess roughly how much you may receive.

Myheartwentpop · 28/01/2018 06:09

Scaredmum that sounds horrendous.

ScaredMum22 · 28/01/2018 10:43

Under current rules, it's income support and jobseekers (if youngest at school) and housing benefit that you won't get if you have more than 6,000 in savings.
So under current rules you can still get tax credits like working tax credit and child tax credits (which will make up the bulk of your income with two children) , no matter how much you have in savings.

That protection is going to be lost under Universal Credit, so you will not get a penny of anything until your savings go below 6000.
The Joseph Rowantree foundation call it "a disincentive to save"

I am sorry I have no idea if a house you live in is counted as assets. I tried to look it up there but didn't get very far!! I only know about renting. Although settlement money from a divorce is taken into account as savings I am sure.

wondawoman1 · 29/01/2018 07:01

How do you tell your husband you are miserable and scared and want to split. Have two little children. Thank you,

Runningoutofusernames · 29/01/2018 08:00

Get legal advice - you won't necessarily own 100% of that property any more if you split, plus if your husband contests it you may be in a tricky position when it comes to moving two small children a long way from their other parent. Good luck!

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