Help

[Evnsj6]

Is there any benefit for two persons, not married, no children and struggling to pay mortgage.

I am in full time employment at approx 24k per year, partner is a Teaching Assistant in a Primary school in Wales, looking to do a Full time degree in Sept.

We have a mortgage, at approx 558 a month, fixed until May 2009 and know we will struggle to get a new one, any help on what we can do??????????

Thanks

[Conniff]

Gosh! you really have asked the $64,000 question, one that I think a lot would love the answer to.

All I can think of is a second job until your partner finishes his/her degree.

The challenge to all on here then is to come up with a life saving plane that will help.

I look forward to any replies.

[shywazz]

Sadly i think you know the answer b4 you even asked, your on £24k per year and will be entitled to a big fat nil in benefits, your partner is working part-time, you don't state how much but teaching does pay well, so looks like its a no for him too.
Your on £24k plus ur partners income, and ur still struggling, maybe you need to look where you are really spending that vast sum of money each year, your mortage only totals £6k per year which indeed leaves you £18k plus ur partners wages, please and you state your struggling.

I'm on X amount per year with mortage etc and still manage to put money into saving plans and bonds/shares, its not the income but the exspendure thats the problem with many people. Tackle that issue and you might find you have more each mth to play with than you thought.

[tiglet]

Worth applying for working tax credit - unlikely you will get it, but always worth a shot.

[stardust_john]

At least the fact your mortgage is not reknewed till may 09 gives you a good year to look at things and cut down expenditure. Its amazing when we check our account and find we've been still paying for this or that and didnt know, eg old mobile. Good luck