Best thing to do here????? Urgent!!!

LegacyUser

Hi everyone, I'm seriously confused and stressed out, maybe someone can advise? Basically myself and OH have been offered a council house which we are accepting but I'm not sure which way is the best way to go now re SW payments.

OH is working but on low enough wages (app 350 a week). I have been on OPF as I have a child but obviously will lose that once we move in together,have written to them to let them know and everything. What are my options now re SW?

I have the forms for JA but that is means tested so will take into account his wages and any savings we have in the bank. We have been saving the last couple of months because we hope in the longterm to get a mortgage and buy our own house privately but if those savings are taken into account for my JA it will go against us and I'm not sure if I will get much out of it in the end for all the hassle and intrusion.

Then there's F.I.S. which OH would be entitled to coz his wages are so low but maybe he would not get much if I went for the JA as well?

Basically I suppose what I'm asking is would I be better off going for JA or forgetting JA and getting more FIS or going for both? Which combination would give us the most money at the end of the day? We really don't want to touch the bit of savings as this has to be regular and substantial if we have any hopes of applying for a mortgage down the line but with me suddenly down the 200 odd euro a week I was getting in OPF we are going to be very strapped.

Any advice asap would be so appreciated. Thanks.

eddiehen

inamuddle wrote: »

Hi everyone, I'm seriously confused and stressed out, maybe someone can advise? Basically myself and OH have been offered a council house which we are accepting but I'm not sure which way is the best way to go now re SW payments.

OH is working but on low enough wages (app 350 a week). I have been on OPF as I have a child but obviously will lose that once we move in together,have written to them to let them know and everything. What are my options now re SW?

I have the forms for JA but that is means tested so will take into account his wages and any savings we have in the bank. We have been saving the last couple of months because we hope in the longterm to get a mortgage and buy our own house privately but if those savings are taken into account for my JA it will go against us and I'm not sure if I will get much out of it in the end for all the hassle and intrusion.

Then there's F.I.S. which OH would be entitled to coz his wages are so low but maybe he would not get much if I went for the JA as well?

Basically I suppose what I'm asking is would I be better off going for JA or forgetting JA and getting more FIS or going for both? Which combination would give us the most money at the end of the day? We really don't want to touch the bit of savings as this has to be regular and substantial if we have any hopes of applying for a mortgage down the line but with me suddenly down the 200 odd euro a week I was getting in OPF we are going to be very strapped.

Any advice asap would be so appreciated. Thanks.

I personally would say go for the FIS, as from the limited details you gave it appears it would be your best option. But, that said, I would also say apply for both, the worst that can happen is that you may be refused for one, but if you apply for both the SW will give you the one that's most beneficial for you.


And best of luck with the new house!

yabadabado

as said above apply for both and you will recieve whatever is most beneficial.If you apply for JSA you can only get your personal rate and half for the kids if your partner is going to get FIS.