munsterred
Registered User
- Messages
- 8
Hi,
I'm a single parent in full time employment earn €34K but with mortgage payments of €1200/month, childcare costs of €100/week, food for the 2 of us and bills to pay. I have around €30 left per week after paying for everything. I have no savings. As I work more than 30 hours a week I'm not entitled to FIS or one parent family payment as I earn more than threshold, outgoings are not taken into consideration when calculating threshold, only after tax pay.
I've cut back everywhere I can, all value pack food, cheapest insurance etc. I bring my lunch to work, I have no social life at all.
I still have no money. I'm considering cutting down my hours at work to see if i can cut down on childcare costs and maybe qualify for some social welfare payment, according to my sums I'd be better off if I did and I could maybe get help with mortgage payments.
I'm trying to rent out a room in the house but with a child in the house, tenants aren't very attracted to it. Selling my home is not an option, I fought so hard to buy it in the first place.
I have no one I could ask to help with childcare and I can't take a second job as I would have no one to mind my child.
Can anyone give me advice if I would qualify for SW payments if I cut down my hours by choice?
There is something wrong with the whole system when someone who wants to work and be self sufficient is worse off than someone who isn't working.
I'm at my wits end as I don't know what I'll do if an unexpected expense comes up.
Please help!!!!
I'm a single parent in full time employment earn €34K but with mortgage payments of €1200/month, childcare costs of €100/week, food for the 2 of us and bills to pay. I have around €30 left per week after paying for everything. I have no savings. As I work more than 30 hours a week I'm not entitled to FIS or one parent family payment as I earn more than threshold, outgoings are not taken into consideration when calculating threshold, only after tax pay.
I've cut back everywhere I can, all value pack food, cheapest insurance etc. I bring my lunch to work, I have no social life at all.
I still have no money. I'm considering cutting down my hours at work to see if i can cut down on childcare costs and maybe qualify for some social welfare payment, according to my sums I'd be better off if I did and I could maybe get help with mortgage payments.
I'm trying to rent out a room in the house but with a child in the house, tenants aren't very attracted to it. Selling my home is not an option, I fought so hard to buy it in the first place.
I have no one I could ask to help with childcare and I can't take a second job as I would have no one to mind my child.
Can anyone give me advice if I would qualify for SW payments if I cut down my hours by choice?
There is something wrong with the whole system when someone who wants to work and be self sufficient is worse off than someone who isn't working.
I'm at my wits end as I don't know what I'll do if an unexpected expense comes up.
Please help!!!!