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Advice welcome about work and money

Tyger April 2, 2013 20:03
Hi all,I am a single prospective adopter, waiting to hear from my LA about whether I will be accepted on to the prep course.After my initial interview with them, they sent me an email with a form to complete and said that while they thought I had a lot to offer, they were worried about my finances. I have a small mortgage payment but no savings. I don''t have a permanent job either but am a freelance private tutor and counsellor/play therapist. I am now concerned that the stress of single parenting on a limited income is going to make the whole thing untenable. Will I truly be able to meet a child''s emotional and practical needs if I am always struggling to make ends meet? Especially during the first year when I can''t work. Does anyone have any similar tales to tell and advice for how they coped? Or suggestions for good jobs I could apply for that would work for a single parent?I am wondering whether applying is really irresponsible but I have always wanted to be a Mum. I was going to apply with my partner but he changed his mind and we broke up. Thank you for reading.
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Papergirl April 2, 2013 20:54
Hi Tyger, I just tried to post a reply but not sure what's happened to it. It may have come to you as a private message, but it was my intention to post it on the boards as normal, so apologies for that.For the benefit of anyone else in the same situation, basically I said I'm not sure where you'd stand with getting adoption pay (similar to maternity pay) in your situation, but in any case you may qualify for tax credits - have a look at the direct.gov website. You may also get an adoption allowance, and maybe disability living allowance if the child has problems - emotional or behavioural as well as physical. Then there's child benefit and a settling in grant paid by the placing authority which is to help with the cost of beds, buggies etc.As for work, some mums I know have trained as teaching assistants as this fit in with school hours, but having read your post again, as you're freelance it would probably be possible to work things around your child.You've time to accumulate some savings, just don't save too much money, as this will be taken into account when it is decided whether you're eligible for certain benefits, and adoption allowance! If you do manage to save more than a few thousand pounds, my advice would be to pay some off your mortgage instead.Sounds like you have a lot to offer, and finances - or lack of them- shouldn't stop SS considering you.Good luck!Papergirl x
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Serrakunda April 3, 2013 13:58
Tyger you do have a job - you are self employed - lots of people are these days. The LA hasnt actually said no has it ? Maybe what you need to give them is something like a review of your earnings over the last 5 years or so so they can see you you have a steady income stream. To be honest I think free lance work is actually good as you can pick and choose your hours so maybe you could say something about that. Your biggest problem may be how to fund your adoption leave.Remember that there will be things like child benefit and possibly tax credits. Some children also carry adoption allowance. I am about to return to work and will have a cut in earned income of 50%, its the benefits which make it possibleno you arent being irresponsible, you just have to think a bit more about where your income would come from. And there are other agenciesgood luck
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Tyger April 4, 2013 11:04
Thank you so much Serrakunda and Papergirl!Tygerx
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Tyger April 4, 2013 18:50
Brilliant news - the LA has accepted me onto the prep course!
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Papergirl April 4, 2013 19:49
Congratulations! Prep courses are really interesting, and a chance to make friends with fellow adopters - I'm still in touch with some of those on my course. Most of the courses have a mixture of couples and singles, so don't worry about being the odd one out.
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Serrakunda April 5, 2013 00:17
well donesometimes you just have to hold your nerve !
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Tyger April 6, 2013 15:41
It's 'funny', now I have had some good news, I feel really ambivalent and conflicted about moving forwards - scared and unsure.
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Serrakunda April 7, 2013 10:19
everybody has wobbles and worriespart of the purpose of prep course is to sort through some of this. Doing prep doesnt commit you - give it a go and see how you feel afterwardsParenthood is scary however it happens
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Tyger April 7, 2013 11:49
Yes, really good advice, thank you Serrakunda.
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