Liane's target is £50 a week for a better life
GET HIRED hopeful Liane Cvetanovic needs to earn £50 a week to give her family a better life.
The 47-year-old mother of three, from Ford, is planning to start a clothing venture and has applied to join the Enterprise Allowance scheme.
Liane, who is one of six people The Herald is following as they hunt work, has been jobless since last year and doesn't want to be dependent on benefits.
But for Liane, it means going through the rigmarole of getting on to the scheme, which includes a detailed analysis of her finances.
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"I have done a 'personal survival budget'," she said, "that show's how much I need to earn to survive with benefits.
"Each month I need to be able to take home £304, to start with, just to be able to be on the same level I'm on now," she said. "That would cover my outgoing.
"The Jobcentre calculated that as long as I'm earning £50 a week I will be better off, because of the Working Tax Credits coming in. It's really complicated."
Currently Liane is claiming Jobseekers' Allowance, with additional benefits, such as free school meals, attached.
That will be lost when she moves to the Enterprise Allowance scheme, which pays her £67 a week for six weeks, falling to £33 a week for the following seven.
Liane also claims Working Tax Credits of £280 a month, which will be unaffected by her change in status.
She will also still be able to claim Child Tax Credits, currently £580 a month, and Housing Benefit, currently £595 a month.
Liane has worked out a year's projected earnings for the business, and predicts it making £304 a month for its first three months, then rising to £500 early in 2013.
That's provided the business is established soon.
With a degree in 3D design from art college, she wants to create a firm which deals in good quality second-hand clothing, particularly items that have never been worn – or even taken out of the wrapping.
She has sought help from business start-up organisation Outset Plymouth and has applied to the Enterprise Allowance scheme, which gives mentoring and funding of up to £2,000 to those unemployed for more than six months and wishing to start a business.
"The application is still going through," she said. "I'm allowed eight weeks and have an appointment to see an adviser on September 14."
Liane – whose sons are aged eight, 10 and 13 – wants to earn cash instead of being benefit-dependent, and said: "It's worth it, and I can give the children extra things."
But she added: "As time goes on things get tougher. Prices are still increasing; things like petrol are going up.
"Child Tax Credits only go up at the end of the year."