need advice

[alawibaz]

can any one tell me what to do i have two kids husband works im a house wife i only get �25.00 a week for child benifit and �25.00 for tax credit i cant find a job i feel my place is at home raising kids up the amount my husband brings goes in paying all the bills from water tv gas car insurance to morgage tell me how am i soppose to live on � 50.00 a week with that im suppose to buy childrens need try to forget my own what can i do

[KsBitz]

Hi, I am also a housewife and have 3 children, I completely understand with regards to the money, so I have taken on looking after someone elses child, which can be a strain, but, I have also just started my own internet shop, so I am able to work from home, there are many internet opportunities and most are not that expnsive to start up, it's the computer that costs the money!

[Hammer]

Why is your husband not helping with "his" money. A marriage is a partnership, and the family is both of your responsibilities. You need to sit down with him and tell him that you cannot cope financially. I'm a married man with a child - I work and my wife stays at home. We have a joint account and my wife has full access to it for running the house, although I wouldn't like it if she went too mad ;) Let me take a guess - your husband has "his" money and spends it on beer / golf / fishing. I'm not trying to be rude, but we have so many friends where this happens and the wife won't do anything about it. PLEASE sit down with him and explain how you feel.

[secretspirit]

I'm afraid the straight answer is that it's between you and your husband to provide for your family so you'll either have to live off what you've got or get a job yourself. If you're only getting �25pw tax credits your husband must surely be earning a fair amount.

[j20]

Well, if you had paid a little more attention in school you might have a half decent job and an income to match - you might also find that you would be able to use punctuation correctly too.

[alawibaz]

LANGER first of all i would like to thank you. my husband is one in a million he has been for us thee provider, since we married he doesnt smoke he has been taking care of all the bills he pays for the shopping i wright the shopping list down he even does the shopping himself bless him he works so hard but if i ask money from him i feel guilty there are thing that we can go without basically my husbands the one who runs our house my job is to make it a better place to live in one day i like him to have enough money for himself

[alawibaz]

secret spirit ive been a housewife for a long time and i like my work i find it difficult in getting use to going out and getting a job believe me im willing to start straight away but somthings still keeps holding me back i feel that i need to be at home when my children comes from school and im sure all the children would prefer there mothers to be at home not every mums gonna agree with me here but its the fact. and another thing my husband does get a fair amount but they dont freeze there it gets thawed till each of it gets melted away on all the bills.anyway thanks for the reply

[Copper_Knobb]

The government has a figure which it believes your family can live on. In 2004 it is this based on what you tell me: You're a couple and I'm assuming your both over 18 and not disabled so the government says you can live on �87.50. You have two children, I'm assuming over one and not disabled. So they get to live on �42.27 each. You also get a family premium being a family and all so that's another �15.95 you should have. So the government deems you to be able to live on �187.50 a week. If your income is less than this you should be able to have it topped up to this level by Income Support. You have a mortgage so you can't get Housing Benefit but you can try applying for Council Tax Benefit. How much you get if any is dependent on how much your income is. The best thing to do is to go to your local benefit/DSS/DWP office with information about your circumstances and they will tell you what you can or cannot claim.

[Copper_Knobb]

In addition - you have a partner to the government considers you and your husband to be one person in effect. So they assume that anything he earns is shared equally between you. If you feel guilty about taking his money, and he earns a lot of it, then there's not much you can do about it I'm afraid. As has been mentioned, your husband must earn quite a bit, probably enough to send you over the figures I gave you above which probably means you will receive no benefits at all.

[Gooby]

Either accept the income you have with gratitude (after all, tax credits come from working people paying you to stay home), and get advice from penny-pinching websites on how to live within your means, or get a job and pay for child care. Anyone who has been in your position has had to make the same tough decisions. I worked and raised my kids and didn't get a government handout. I personally think it is unfair that now I should have to pay taxes to pay for people to stay home that are capable of working. If people cannot afford to have kids, they shouldn't have them. The problem with this country is that it is too much a nanny state.

[alawibaz]

gooby i have been a hosewife for nearly thirty years looking after so many kids as well as old folks how can you expect to see me work as well as take care of everyone else you dont know me or how hard i work cleaning cooking washing you might have washing dish to wash your plates as i havent you eat ready made food which i dislike the ways you do work is compleatly way opposite . im not asking for hands out you get taxed thats not my problem who ever work has to pay tax thats how the govements are working and will always do so it isnt fair if only they could understand .its not easy by the way i can afford to have children but cannot afford to spoil them i appreciate for what iv got but sometimes its hard to see people enjoying and you wish more for youre own but thats not gonna happen my question was what other genius ideas you could come up with that could help me earn money from home for instance growing plants paintings if you can suggest some ideas it will be helpful