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Legal, pensions and money

Benefits for low paid son

(64 Posts)
NanaSuzy Fri 08-Mar-19 14:20:37

My son has a permanent job but only earns £10 per hour. Are there any benefits he could be getting? Problem is we gave him some money (£80,000) for a house deposit - which he has invested, till he can pay a mortgage. Do these savings mean he can't get benefits?

maryeliza54 Sat 09-Mar-19 09:23:10

I don’t think the OP was looking for sympathy just information. If they hadn’t transferred the money to him, he might ( don’t know) have been entitled to some housing benefit. When young people apply for benefits we don’t include their parents income/assets in the calculation and there are probably plenty of young people getting benefit help whose parents are well off. I’m sorry for the OP actually tbat they made this decision without realising the consequences. Of course they are stuck with it now and that’s a pity. But how nice they are able to help their son -it’s just a shame that not all parents are able so to do.

CassieJ Sat 09-Mar-19 09:27:30

I work full time on living wage of £8 per hour. I would love to receive £10 an hour. As a single adult you get very little benefit help. I can get no help at all and struggle on what I earn.

showergelfresh Sat 09-Mar-19 12:33:24

Well done to you CassieJ
Independence is the best and finest thing going.
Living on less also means less waste for our planet. We buy far less - so eco friendly!
Bring on minimalism. I love it.
Good for you. Who needs or wants handouts from anyone?
xx smile

maryeliza54 Sat 09-Mar-19 12:50:55

shower what a charmed lucky life you must lead. And all your family , friends and acquaintances. None chronically sick or disabled receiving help ( not bloody handouts) from the state to help them live with some degree of dignity and decency.

notanan2 Sat 09-Mar-19 12:59:34

Whether or not he is on a "low income" depends on what hours he does.

£10/hr full time is not a low income its around the middle. £10 part time is a low income.

No one can answer the OPs question with so little info

maryeliza54 Sat 09-Mar-19 13:58:08

We have answered the OP’s question - he’s not entitled to any means rested benefits because of his capital. What we went to to discuss was whether without the capital he would perhaps have any entitlement to HB given that he is working. That would mainly depend on how many hours he was working. As for £10 an hour being a good wage - if he worked 40 hours a week for that he would earn £400 a week. ONS figures for median full time earnings last year were £569 so no £10 an hour is not a good wage, it’s just that the minimum wage is so low.

GillT57 Sat 09-Mar-19 14:43:26

showerfresh just how much more patronising and smug can one person be? Bloody hell

NanaSuzy Sat 09-Mar-19 14:57:26

Thank you Maryeliza54 for your courteous, intelligent and fair comments. However, this first venture of mine into any sort of internet group has confirmed my previous gut-feeling that I don't want to be in one. I shan't be posting again.

muffinthemoo Sat 09-Mar-19 15:08:25

NanaSuzy if you are still reading, pass him this link and have him plug the relevant information in:

www.entitledto.co.uk/

It's a very handy benefits/entitlement calculator. Should help clarify his position.

GillT57 Sat 09-Mar-19 15:15:21

nanasuzy please don't be put off by a few comments from a few posters, they are a minority! We are a friendly and helpful forum with a wealth of experience and support.

maryeliza54 Sat 09-Mar-19 15:22:00

nana usually posts on threads like this are just helpful and try and give advice and information. Sadly yours touched a nerve with some posters re what is low pay and because you’ve been able to help your son. I hope his investment is a good one and that he will before too long be able to buy his first home.

gillybob Sat 09-Mar-19 15:28:40

£10 per hour would be classed as a fairly good wage here in the NE ( I know plenty people earning much less) and I can’t imagine anyone on this wage would be entitled to any benefits , assuming full time and single ( without dependants) of course . I do know that single people get a bit of a rough deal when it comes to tax credits .

maryeliza54 Sat 09-Mar-19 15:33:32

And that’s terrible isn’t it gilly. But even here in the affluent Surrey stockbroker belt I see plenty of minimum wage jobs advertised - mind you I don’t know if they get easily filled. It would be interesting to see the median wage figures by region - it would be lower in the NE I’m sure.

gillybob Sat 09-Mar-19 15:34:20

Also speaking as an employer his £10 per hour is not what it costs to employ him (employers NI, plus insurance contributions, plus pension contributions etc) is quite a lot When you add it all up .

gillybob Sat 09-Mar-19 15:36:06

Most unskilled or semi skilled jobs around here attract minimum or living wage only maryeliza. It is shocking but it’s a fact .

maryeliza54 Sat 09-Mar-19 15:41:38

I just found some figures for 2015 for median weekly earnings (ft). In my area it was £513 - I don’t know where in NE you are but the figure for South Tyneside was £396 - a huge % difference

gillybob Sat 09-Mar-19 15:43:05

Exactly maryeliza thank you for making my point for me .

Luckygirl Sat 09-Mar-19 15:47:53

I pay the lady who cleans for me £10 an hour and I always worry that it seems very low.

gillybob Sat 09-Mar-19 16:14:14

I’m not being funny but many people I know would jump at a job paying £10 an hour ( me included ) if I could get away from the one I’m stuck with .

EllanVannin Sat 09-Mar-19 16:24:41

It's the same poor wages here in the NW too. I doubt that many South of Watford would get up out of their bed for £10 an hour whereas here,people would snap your hand off for that---------if they had the opportunity, but that's another argument in this forgotten area of decent employment.

maryeliza54 Sat 09-Mar-19 16:29:55

It’s market forces isn’t it? My dd ( near me) pays much more than £10 an hour for her cleaner - no one would take the job at that rate.

Anja Sat 09-Mar-19 16:36:54

I see the OP has taken her bat and ball home.

Lazigirl Sat 09-Mar-19 16:39:54

I pay £11.50 hourly rate, plus half if we're away and she doesn't clean. I hope that's fair, she's so good and trustworthy.

notanan2 Sat 09-Mar-19 16:41:54

£1600/month gross is not enough for a family but for a single person (op mentioned no dependants) its perfectly livable unless there is something else going on (low hours or bad money management).

I live in one of the more expensive parts of the country. A family sized rental home in a not great area starts at around £1200, so it would be a low income for a FAMILY.

But for a single person, crappy studios/one beds start at around £700/month and nice ones start at £850/month so its a perfectly adequate income even in a pricey area

notanan2 Sat 09-Mar-19 16:46:29

The capital may or may not affect certain entitlements depending on the benefit & how it is investment, so it in fact is accurate to say that there isnt enough info to adequately answer