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Work Related Question

bb23

Hi, i'm new. I posted my Intro in the introductions thread. I found this site because im looking to ask single parent's questions relating to finances and work really.

I work full time 7.30am till 4pm and my girls go to a childminder which costs me £720 a month. I get just enough tax credits to cover this but i'm in debt so even my wages (19000 a year) plus tax credits dont really cover my living costs!

Im on sick leave at the moment due to depression and im considering not going back to work. I want to know, if i can realisticaly manage to keep my house (rented) and bills on less money but ultimately have a happier life not having to work.

To be honest my head is in a mess a bit because its only been 6 weeks since i left my partner of 6 years. It was amicable so that's one less stress but i really am losing out on time with my children now that i'm working full time and also trying to keep this place ticking over all on my own.

Sorry if that's rambled, if anyone has any advice i'd be really greatful.

thanks

B

Posted on: July 9, 2008 - 1:21pm
SadieTwins

Hi bb23, I just joined this site aswell.... and its what I've been needing for a long time.... people in the same position as me.!!

Your dilema is not an easy one....but it will get better!! I've gone from being on the dole to doing 6 hours to doing 2 jobs part time for a few years... I had to give up my main admin job in Jan 08 as I was working through the school holidays and it was just too much for me.... after working through the holidays for 2 years I was totally burned out!! Sooo tired when I got home I could bearly speak with the children, let alone sit down and play a game or have some fun.... so I am very very glad 2 be doing only 1 day's work....

BUT.... i had to sign on again in Jan... and again last week.... which is a total nightmare..... Being on tax credit made life much easier... I was still only doing 30hours a week and taking and collecting the kids to and from school... My kids are the priority and money and debts can wait as far as I'm concerned...I have had to take out 2 big loans to keep from loosing my house!! At least on the dole you can get housing benefit and council tax benefit... The way I see it is that I have paid plenty of tax and am just getting back what I paid into the system for years and years!!!

I couldn't work full time so what you are doing is amazing!!! But at the end of the day you and your kids are worth more than money.... if your health and your relationship with the kids is deteriorating.... then I would suggest doing whats best for you and the children.... debts can come and go and its not nice... but being happy and healthy with your children is worth more than gold!!! And now I have time and no money... I am much happier and so are my kids.... Good luck..!!!

Posted on: July 9, 2008 - 8:53pm
bb23

Hi thank you so much for your reply. :) its really nice to find a place where there are people in the same positions as each other.

I think i'm going to talk to my boss with the aim to reduce my hours rather than quit altogether. I understand totally what you said about the happiness of my children and also myself and i know if i wasnt in debt i wouldnt be working, but at the same time i can probably clear the debts in about 3 years if i stay in work. even on part time i could manage it and then probably give it up

its definately a lot to think about but i do like my job, its the first one i've had where i like the people and the actual role! i so know where you're coming from on the benefits too, that's always been my opinion that if i do end up claiming benefits i've been paying into the 'system' for 12 years so im only really getting my own money back hehehe :)

Really nice to meet you, thank you for your advice

Posted on: July 10, 2008 - 8:07am
Anna
Parenting specialist DoppleMe

Hi there bb23, there are big changes going on in your life at the moment, so while you are off work, take this time to recover and look after yourself, you are bound to be feeling down as your whole world has turned upside down, but it’s ok, there is life after a breakup.

It sounds like SadieTwins has given you food for thought and you are a little bit surer of what action you want to take.

In our society the way that it is, single parents can’t win.
- If we work we don’t see enough of our kids, but we can provide for them financially.
- If we don’t work we can spend time raising our children, but we have no money and therefore need to rely on the state.
In both scenarios we are frowned upon by society!

Whether you choose to work or not to work is deeply personal so only you can weigh up the odds and decide what you want for your family.
Writing a list of pros and cons can help.

For further support visit http://www.oneparentfamilies.org.uk as they have an excellent website devoted to single parents and can give you lots of information on benefits & budgeting there is a free helpline too! 0800 018 5026

Also have a look at http://www.creditaction.org.uk/index.php?id=209 which has a free, easy to read money manual for single parents. It is stuffed with advice on dealing with the pressure of living on a low income, money saving ideas, managing debt etc. Also have a look at the personal money management info sheets, advertised on the same page, they look really helpful.

Good Luck and keep in touch.
:)

Posted on: July 10, 2008 - 12:32pm
SadieTwins

Brilliant info Anna!!! bb23 sounds like you should keep your job but try and reduce your hours even if only for a short while so you can sort things out.... I don't know about the legalities there is a new employment law which entitles parents to flexible working hours.... and from my experience it is definitely best to get the best of both worlds.....work...just enough... tax credits make it seem much better...and then have enough time so you can enjoy being a parent.... But if you are happy at work then thats really important to your wellbeing too!!

Like Anna says, sometimes its like you can't win.... money = no time...or time = no money.... i won't be able to last long on 1 day a week but I have totally needed the break for my health and wellbeing and to get back in tune with being a parent. i have (confirmed yesterday) 3 half days work from September and maybe some extra (hurrah, back to tax credit) so with that in sight I am maximising my penniless time off FOR ME..... the demands of work and house and kids and school and shopping and cooking and cleaning is enough...... we have to schedule in time for US as the managers and carers of all of that too....

I started yoga and it has been excellent for me.....its something I do just for me....that is good for me!!! I stopped smoking and drinking and therefore have diverted the money that would of been spent on that for something that is good for me... and its working a treat....

Stay strong and happy, you'll get there....you know whats right for you and your kids.... we are all doing the best we can.... It does get easier!! :)

Posted on: July 10, 2008 - 10:12pm
resh

Hi I am new on here and came across this interesting post. I have just been made redundant and am looking for jobs but am concerned about the mortgage being paid for my house - would anybody know if the housing benefit would include paying interest of the mortgage and if so, how long would it take to claim that. I have phoned the council and they have advised me that it would take 39 weeks but just seems a bit long. Would appreciate responses.

Posted on: July 19, 2008 - 11:29pm
Anna
Parenting specialist DoppleMe

Hi Resh,

39 weeks does sound like a long time, have you tried http://www.oneparentfamilies.org.uk mentioned above, they can probably help you with your question further. Free helpline number: 0800 018 5026

Let us know what they say. :)

Posted on: July 22, 2008 - 5:36pm
harissa

Hi B,

Hmm, that is a difficult situation.

At my last "why don't you have a job yet" appointment at the jobcentre, I produced the details of the full time and part time jobs I'd been pursuing. To my astonishment, after the figures were run through the machine, it appeared that my family would be significantly better off if I had a part time job compared to if I had a full time job. To be honest I still don't understand the logic of this but it can be both helpful or restrictive depending on your circumstances.

You really want to avoid being trapped into working all hours only for it all to go straight back out again on rent/mortgage/council tax/dental and NHS costs/debt repayments etc. It seems part time earners get more support with those and also have less need to juggle childcare costs.

Are you able to work in the same sort of job but on a part time basis? Contact your jobcentre's lone-parent adviser and run a few scenarios past them. It might show up options you wouldn't have believed logical! With the benefit system in such a state of flux, the situation may be very different to the situation when you originally job-hunted.

The uncertainty and financial pressure really won't be helping your depression, so finding a solution will be a huge weight off your mind, even if you are unable to act on it for the time being.

Good luck

Posted on: July 23, 2008 - 3:04pm
Anna
Parenting specialist DoppleMe

Great advice Harissa.
The responses to this discussion have been really supportive, keep in touch and let us know how things go Resh & bb23

Posted on: July 30, 2008 - 11:09am
hazeleyes
DoppleMe

Hi
Does anyone know how to get a job working from home. I'm thinking along the lines of data entry or something like that? I have been looking around on the net, but mostly you have to pay money to get started. (obviously can't do that)
Really would like some help here please.
Thanks
alison
x :)

Posted on: September 9, 2009 - 12:13pm
Anna
Parenting specialist DoppleMe

Hi alisoncam, feeling pretty pleased with myself here, have you seen this?? http://www.workingmums.co.uk/mums/searchJobs/index.php?jobDetails%5Blocation%5D=Homeworking&

I don't know if it is any good, but please let me know!

Posted on: September 10, 2009 - 12:42pm
hazeleyes
DoppleMe

Hi Anna
Thankyou for the link. I have scouted around, and maybe just maybe, i might be in luck. Anyway, i have e.mailed them my details.
Thankyou again, :) :) :)

Posted on: September 10, 2009 - 1:28pm
hazeleyes
DoppleMe

Hi Anna
I've been checking and re checking this site out. I know it asks for money, but would you check it and tell me what you think please.

http://www.wemarketing.biz/

Think i've done that right!!!

Posted on: September 10, 2009 - 2:34pm
Bubblegum
DoppleMe

Anything which asks for money up front is not good.

I would avoid it.

The only people making money from sites like these are the people you are sending your money to for what ever start up, info pack what ever it is they are asking for.

I googled them for you and found this about them in a forum..

Quote:
100 % SCAM

The testimonials that all soumd like they were written by the same person. The FAQ and privacy statements change font and size several time, looks like a bad cut-n-paste job. Grammer, spelling and syntex are all 'off', not what native English speaker would write.

And the biggest red flag of all: the word "processing orders" in the testimonial section. That could mean re-shipping scam or data processing scam.

The website just seems like 100s of other vague-work-part-time-for-tons-of-money-sites. They may also just sell you a list of work-at-home-opportunity sites, email addresses and links. So, technically, that wouldn't be a scam, they will have sold you a list of worthless stuff.

Either way, I wouldn't give them a cent or a pound.

If you need to know anything ever.. google it and spend the time it takes to drink a coffee reading about it : )

Posted on: September 10, 2009 - 2:46pm
sadsy

Hi there,
please don't send money to these sites.
You'll be so annoyed with yourself afterwards.

They are 100% scam.

sy

Posted on: September 10, 2009 - 3:05pm
Anna
Parenting specialist DoppleMe

Thanks bubblegum for finding that out.

I was looking at the site and I don't believe anything that says you can earn between £250-£750 per week. Maybe one or two people perhaps, otherwise we would all be doing it.

If it ever reads too good to be true...it probably is!

Posted on: September 10, 2009 - 3:13pm
hazeleyes
DoppleMe

Hi Bubblegum
Thankyou. My cousin sent me the same thing you did :lol:
Might sound bit daft, but have no idea how to google. Help!!!!

Anna and Sadsy
Thanks for your input too. Really appreciate it all.
Take care
Alison
x :)

Posted on: September 10, 2009 - 4:37pm
hazeleyes
DoppleMe

Hi all
Who needs jobs when we can predict the lottery numbers? Have just read that Darren Brown did last night, and he is going to tell all tomorrow night. Definately going to tune in to that, lol. :lol:
Have a good evening
Take care
Alison
x :)

Posted on: September 10, 2009 - 7:34pm
mousie

Re Deren Brown - surely if everyone watching uses those numbers it wouldn't be worth winning anyway!! or am i missing something??
so maybe we should be doing different ones then at least if we won we wouldn't be sharing it!! Well with our friends of course!! Actually not sure I'd want to win lottery at the mo...cos then he'd be after half of that as well!!! :lol: :lol: :lol:

Posted on: September 10, 2009 - 8:05pm
hazeleyes
DoppleMe

Hi Mousie
I was thinking exactly the same thing. If he could do it, why hasn't he done it for himself? Also, the lottery would certainly come to a dead end. (I'm still going to watch it though)
How is your daughter doing? Is she tired after her first few days at school?
I know my son is definately back, as he comes home with all sorts. Yesterday, he told me he would give someone a 'knuckleduster'. I asked where he had heard that from, and lo and behold it was from a little girl!!!!!
I told him yesterday that I might go to college to become a teacher trainer, and he said, 'you can't do that because the helpers aren't allowed to sign our forms for school trips'. I told him that I would still be his mum and so could still sign forms, but he is adamant that the headteacher wouldn't allow it. I find it hilarious what goes on in their little minds.
:)

Posted on: September 10, 2009 - 8:14pm
mousie

Hi Alison
She is getting on fine but very tired!
She has settled far better than I thought so now I've just got to sort myself out!
She only does half days till up to christmas as she only turned 4 three weeks ago.
She looks so diddly in her uniform, her little dress nearly reaches her ankle!!
She came home yesterday saying 'this is my left foot and this is my right foot'
Then After xmas I will be in the same boat as you and need to try and get a job so I can keep our house as long as it doesn't get repossessed before!
Take care x

Posted on: September 10, 2009 - 8:25pm
Anna
Parenting specialist DoppleMe

Hi mousie, I hope you are well, it seems ages since we spoke! I bet your daughter looks such a cutie! :)

Do you kow what work you want to go back into after January??

Posted on: September 11, 2009 - 9:09am