In need of some advice on SW

Bones08

Hi guys, I am not a regular poster here but often log onto boards for information on all sorts,
My current situation is as follows,
I am unmarried and live at home and also work full time,
My OH whom also lives at home is coming near the end of her maternity leave and we are in a mess as to what we should do, we are currently saving up for a mortgage deposit and things are coming along nicely.

Option 1; My GF, returns to work full time, we pay a child minder for 5 days and we end up only approx 50-60 euros better off after a full weeks work ?!

Option 2; My GF gets left go from her current employment and applies for SW and then maybe looks for a part time job and recieve FIS ??

Option 3; My GF gets left go from her current employment and just goes on SW long term ??

I am at a loss as to where we should go from here, dont get me wrong here, we are not in any way trying to fraud the system, I have never been even on the dole and working full time since the age of 16.

What are our options, any advice or steering in the right direction would be greatfully appreciated.

Thanking all in advance

Bones

kerryted

Bones08 wrote: »

Hi guys, I am not a regular poster here but often log onto boards for information on all sorts,
My current situation is as follows,
I am unmarried and live at home and also work full time,
My OH whom also lives at home is coming near the end of her maternity leave and we are in a mess as to what we should do, we are currently saving up for a mortgage deposit and things are coming along nicely.

Option 1; My GF, returns to work full time, we pay a child minder for 5 days and we end up only approx 50-60 euros better off after a full weeks work ?!

Option 2; My GF gets left go from her current employment and applies for SW and then maybe looks for a part time job and recieve FIS ??

Option 3; My GF gets left go from her current employment and just goes on SW long term ??

I am at a loss as to where we should go from here, dont get me wrong here, we are not in any way trying to fraud the system, I have never been even on the dole and working full time since the age of 16.

What are our options, any advice or steering in the right direction would be greatfully appreciated.

Thanking all in advance

Bones

if you are going buying a house together i would suggest your GF keep her job as the bank like to see people in employment ,I can see your point about childcare costs , are very high and is about the one thing that has not come down in the last few years .

edellc

Agree with above it you want a mortgage then you both need to be working, also living on social welfare is not a nice situation to be in tbh, and 50/60 euro may sound like pocket money to you but when your on welfare that is a good chunk of change tbh so don't mock it.

I would suggest that you both look around for childcare it does vary in price and you may be able to get it cheaper than you think, also have you thought about family members is there anyone who could look after baby?? Childcare is way to expensive and it is what keeps most mothers out of work and it needs to come down but until that happens (the 12th of never in this country) then if you want a mortgage then your going to have to suck it up and deal with it and every penny counts so as I said 50/60e is a lot when your on welfare so dont mock it

Bones08

Thanks guys, although it makes perfect sense for my GF to stay in work, its a min wage job with just under 40 hrs per week, so when you add it up and take deductions its just hard to justify staying there.
My GF is considering lone parent payments and all the rest of the things she may be entitled to, and to be honest I cant justify to her why not, she seems convinced with all the benefits she can claim she would have close to 500 per week, plus the big one which is the medical card which you can imagine is very valuable for the child.
Think its time to speak with mortgage advisor and see where these options would leave us.

gcgirl

Bones08 wrote: »

Thanks guys, although it makes perfect sense for my GF to stay in work, its a min wage job with just under 40 hrs per week, so when you add it up and take deductions its just hard to justify staying there.
My GF is considering lone parent payments and all the rest of the things she may be entitled to, and to be honest I cant justify to her why not, she seems convinced with all the benefits she can claim she would have close to 500 per week, plus the big one which is the medical card which you can imagine is very valuable for the child.
Think its time to speak with mortgage advisor and see where these options would leave us.

How does she think she will get €500 a week ?
€188 for herself
€29.80 for the child dependent
€140 child Benifit per month

leeroybrown

Bones08 wrote: »

My GF is considering lone parent payments and all the rest of the things she may be entitled to, and to be honest I cant justify to her why not, she seems convinced with all the benefits she can claim she would have close to 500 per week, plus the big one which is the medical card which you can imagine is very valuable for the child.

Given that you are posting up here in a capacity as "her partner" claiming lone parent's allowance would either be impossible or social welfare fraud.