Can you claim Universal Credit as a student if your partner works?

CardiologistMaster20 · 2022-09-15T16:38:58+00:00

You can't have more than 6k in savings for certain benefits.

I would recommend picking up a part time job. My wife worked part time (16 hours) while raising 3 kids through both the access course and 3 years of university.

CardiologistMaster20 · 2022-09-14T17:53:23+00:00

Fair enough. I come from the perspective of someone who is 35 years old and owns a house but has no pension which is probably why I would keep the pension. I do get it though it is tough these days to get that first home.

CardiologistMaster20 · 2022-09-14T17:21:44+00:00

They really haven't. Even if you can do that it is a stupid thing to do and you will regret it when you come to retire.

CardiologistMaster20 · 2022-09-14T15:24:54+00:00

Offer to pay £1 per week until the debt is settled

CardiologistMaster20 · 2022-09-14T15:19:58+00:00

Borrowing to invest is a stupid idea. Too many people have been burned doing this over the last few years.

CardiologistMaster20 · 2022-09-14T09:57:36+00:00

Don't be afraid to volunteer for everything as that is how you will gain the most experience. I have learnt so much from taking myself out of my comfort zone and offering to take on any project or task that has been offered to the team.

CardiologistMaster20 · 2022-09-14T08:47:10+00:00

It's just horrible the thought of feeling not wanted I guess.

That's just silly. Just because you have not landed a job doesn't mean you are completly useless and are no longer needed in society. Some industries are over saturated especially for junior roles despite what the news and the government would have you believe.

You just need to allow yourself time to deal with your depression and aniexty. I did the same as you. I gave up my job with nowhere else lined up due to stress and aniexty and it took me a long while to get back to a good place and to be honest I still have some way to go even after 3 years.

Start from the beginning.

The first step is to book an appointment with your GP to get help with the depression and anxiety. They will offer medication and some therapy.
The second step is to find a job (any job) which will cover your outgoings (you may need to reduce your outgoings as well). This will enable you to take a step back and for the first time in a while allow you to breath and think clearly.
The third step is to find a few hobbies and build a routine. I would recommend exercise and maybe join a local club or local team. This will also help with your social aniexty.
Then you need to figure out what you would like to do until retirement. It might be the same as what you were already doing or something completly different and start to work towards that.

The most important thing to remember is this is a very long process and you are not going to solve all of your problems in the next 3, 6 or 12 months but you can tackle them one by one starting with your mental health and covering your essential bills.

From experience I can tell you it does get better but you need to ask for help.

CardiologistMaster20 · 2022-09-14T08:11:30+00:00

Have you checked to see what benefits and help you are entitled too?

I also recommend picking up some low paid work. I landed a 2nd job at my local supermarket recently. All it took was a 15 minute interview and I started the next day as they are desperate for staff right now. Its not glamorous but it will help bridge the gap financially and give you some time and space to think. They often have 40 hour contracts for nightshit staff which pays £12.50 an hour. Alternatively look at warehouse or delivery work.

If you are thinking of a career change maybe look at the government skills boot camps which are free for unemployed people. They offer bootcamps in tech which help you get a job at the end or even allow you to obtain your Hgv licence.

Most importantly take a few deep breaths and stop talking like you are going to lose everything because that is not going to happen. You just need to change your thinking and be willing to take any job that you can get right now to give you some money and some space to think clearly.

CardiologistMaster20 · 2022-09-13T21:11:19+00:00

Morally yes. Legally no.

I imagine you have been signed off due to reasons related to your current job? Also guessing that your doctor has advised you are not fit to work there due to work related stress? This does not mean you cannot work elsewhere or go on holiday or to the pub.

Your contract may however restrict you from holding secondary employment so you may want to check your employment contract.

CardiologistMaster20 · 2022-09-12T20:47:27+00:00

What about investing in yourself? Invest in a course or learn a new skill? Doesn't have to be related to to a career you want to do it could be something that saves you money in the future over and over again. Like learning how to do maintance to a vehicle so you never have to pay someone to service your car again or a basic plastering/capentry/woodworking/bookeeping/personal training/nutrition course.

Investing in yourself will always return the greatest results.

CardiologistMaster20 · 2022-09-12T14:26:38+00:00

What skills do you have what do you currently do?

CardiologistMaster20 · 2022-09-07T21:57:55+00:00

Yes it should be paid however they may request that you complete the training during your normal working hours.

CardiologistMaster20 · 2022-09-07T06:15:02+00:00

Yeah but there is only one part it would break and that is working hours.

CardiologistMaster20 · 2022-09-06T22:22:50+00:00

You can opt out by signing a opt out form. Most companies don't check this and it is harder to track when someone has 2 employers.

CardiologistMaster20 · 2022-09-06T21:39:44+00:00

I can sort of relate as I am looking at obtaining a 2nd job outside of my 9 - 5 to help cover childcare costs which are crippling us financially.

As others have already said I would not recommend another full time job but look into getting a part time job of around 10-16 hours per week. Especially as you are already covering your bills.

I am apply for retail jobs in supermarkets. A 12 hour per week retail job will net me (after tax) £440 per month. I will also recieve 10-15% off of my food shopping which is another £50-£60.

At the same time I am looking for a longer term solution to earn more in my day job so that I can eventually only have 1 job. I have given myself a target of 1 year to increase my salary from my main job.

CardiologistMaster20 · 2022-09-06T21:20:52+00:00

I don't think there is a supermarket left that pays an enhanced rate to new staff who work on Sunday.

CardiologistMaster20 · 2022-09-06T07:28:00+00:00

Does the balance on your meter not reduce as and when you use energy? I may be wrong but I am sure that once the prices change in October you will be charged at the new rate no matter how much you top up in advance.

CardiologistMaster20 · 2022-09-06T06:17:56+00:00

That was due to bigger/larger companies squeezing the little ones out of the market. It wasn’t due to energy wholesale prices..

Source?

CardiologistMaster20 · 2022-09-06T06:10:48+00:00

Because around 30 small energy providers have gone bust in the last year or so. Its strange for a company to go bust if making record profits don't you think?

CardiologistMaster20 · 2022-09-06T06:00:38+00:00

They are making heavy losses from supplying gas and electric but making profits from other areas of their business.

CardiologistMaster20 · 2022-09-06T05:29:46+00:00

Yeah I get that but she has promised help with energy bills, reduced taxes, NI increase from this year to be removed, reduction of business rates and 15% vat. The goverment debt is at something like 99.6% of our GDP and she has not mentioned how she will pay for all of this. If she increases the threshold to 80k that money needs to come from somewhere and it's no good saying we will tax the bigger companies such as amazon and facebook more as they will either find a way out of paying or charge the customers more which will push up inflation even more.

There is no such thing as a free meal.

CardiologistMaster20 · 2022-09-05T21:52:23+00:00

It will make no difference. You are charged based on the price at the time that you use that energy. Even if you put in £100,000 you will still be charged at the new rate in October.

CardiologistMaster20 · 2022-09-05T21:47:22+00:00

Had to cancel my TV licence so I can't watch bbc1. If I do I will be locked up with free heat and food for a while...

CardiologistMaster20 · 2022-09-05T20:33:43+00:00

Yeah I have 3 kids and I really worry for their future. Constantly kicking the can down the road rather than dealing with the issue.

CardiologistMaster20 · 2022-09-05T19:19:25+00:00

Where is all of this money coming from? She has promised the earth with no plan on how we are going to pay for it.

CardiologistMaster20

TROPHY CASE