what help we would get as we are on a low income if i go back to work?

[biglips]

for anything ???????

as i know we dont get any help on the mortgage? is that right?

is your dh/partner working too

Depends what you call a low income.

We earn 19k between us, (me working pt) and only help we get is child tax credit. (which has just been cut as ds is 1 year old)

We are renting, but dont get help with rent or council tax.

You may be entitled to Council tax benefit?

low income is classed as under 15k as a household income. IF you get this then you will get more tax credits/working families. However there is not a lot else that you can get.

yes my dp is working too (on nat minimum wage) and works 30 hrs pw. if i go back to work, i need to look for a job same wage as my old job and our annual will be £18k (after tax is deducted)

is that right nemo? if yes then what a bugger!!

Biglips, doubt you would get working tax credits, but you will get child tax credits. Depends on how many children, their ages etc.

I found that dh was just over the bracket for us to get things like help with healthcare, ie glasses, teeth. You may get this. Have a look at tax credit website for ideas.

well i think its disgusting that we cannot get any help with our mortgage as i was made redundant and atm we are abit struggling on the money so therefore i need to go back to work

our main worries is mortgage (high) and cost of childcare costs

Biglips, not sure about childcare costs, dont even dare to think about this and luckily I dont have to. (Dh looks after ds) Maybe someone else knows more on this?

I feel that the income between 16-20k is the hardest to be in! You are seen by others as 'earning too much' for benefits and looked down on as not earning enough...or is it just me?

I am afraid I known many people to be in this catch 22 situation. Sometimes I feel that what incentive is there to work. Mortgage usually pay the interest fter six months, but that's if both are not working, but you would need to check this.

Is there any thing you could claim for? larsxx

BTW you can get help with child care cost - child tax credit. larsxx

BL we are in similair position and have ended up with huge debts and currently going through a IVA[one step up from bankrupcy but means we get to keep our house] It is a nightmare as our household income is around £19K a year which between 2 adults a toddler and a baby is not a lot. WE are not entitled to working families but do get tax credits[when they arent messing us around!!]. Think for one child over one on our income it was around £70 a month!!! so dont spend it all at once.