MSE Parents Club Part 14

tarajayne

Glad you got a reply Susan. X

No Tia, you can't put the account in credit but if you bank online just open an online savings account next to your main one and call it your Next account. I have Main, Xmas, Holiday, and Joint (empty).

workinmummy

Jeez Beenie. It doesn't rain, it ruddy pi$$es down up there.

So what are you supposed to do with this information now? Feel sorry for him? run off to his side? Or is that the perfect ex-wifes job?

I think i'll stop moaning now, I don't know how you have the head space for all his carp!!

smartie12

SusanC wrote: »

The way we've done it is we made the business into a partnership where we are both self-employed and split the profits 50/50 for tax purposes. I did calculations at the time we changed it of how much tax/NI we would pay like that and it saves over £1000 per year (and it means I am paying NI and therefore can get contribution based benefits). You can also set up a private limited company with you both as shareholders and him as an employee. This isn't worthwhile for us because our income is fairly low so I don't know much about it but I believe it can be worthwhile if your income is high enough to pay the higher rate of tax. If you have it as a partnership where you are both self-employed, you do need to genuinely be doing some work for the business (I do accounts/admin and have records of the hours I've worked) whereas to be a shareholder in a limited company you don't. There was a famous case where the IR tried to get round the shareholder thing but the couple involved eventually won.

I've just been reading back a few pages... Susan I hope you don't mind me interrogating you at a later date about partnerships??:o I'm a sole trader and we're thinking about DH going self employed too, and business becoming a partnership. I probably have a few questions about it somewhere in my mind when it's a bit more awake!;):rotfl:

redstararnie76

Smartie - if it's projectile vomiting, I would take her to the doctors/ring NHS Direct. I'm sure it's probably nothing to worry about, but I believe they always say that you should check it out if it's projectile.
Beenie - I'm sorry you're having to deal with the ex on top of everything

SusanC_2

smartie12 wrote: »

I've just been reading back a few pages... Susan I hope you don't mind me interrogating you at a later date about partnerships??:o I'm a sole trader and we're thinking about DH going self employed too, and business becoming a partnership. I probably have a few questions about it somewhere in my mind when it's a bit more awake!;):rotfl:

No worries.

Sami_Bee

Tia, you can send money to your next account but they might send it back to ur bank, can you get/spend giftcards online, that would work.

Beenie - I don't know what to say other than you are due some good luck eventually! xx

redstararnie76

WM - Lovely photos!
Smartie - yay for new car!

MadDogWoman_2

Child Benefit changes are going over my head slightly at the moment, I do know that we won't be affected as we don't earn anywhere near the limit - our joint income doesn't come anywhere near the limit either.

As others have pointed out I also don't agree that a single parent family over the limit loses out but a joint income house just below the limit don't loose it.

Katie was apparently very cute when dropped off at playgroup this morning, everyone had to admire her new boots.

tarajayne

Who was it that said Constructive Dismissal MDW?

SugarSpun

:wave: Hi all, have been having a busy RL.

Beenie, I hope your housing guy falls down a gravel hill face first :mad:

WM, I hope Beenie's housing guy lands on your OH in a very painful shower of stones :mad:

Bruno, :rotfl: at your FIL's failed airport trip and :mad: at your loss of privacy and double :mad: at your loss of wine.

Sami (?) thank you for the link to that course.

Thanks everyone for the interesting CB discussion, another thing to think about if we decide to move to the UK.

Tia :rotfl: at no socks - that's sexy clothes here too.

Tired and sore and a bit - I did a trial class this morning at a yoga studio where they have a childminder. Their regular one wasn't there today, which was half the reason I was doing a trial but unavoidable, but when I came out and picked up Molly the inside of her ear was filled with dried blood :eek: and the CM couldn't tell me how it had happened. She's obviously been scratching the inside of it, but I left my baby with a woman for an hour while I was two rooms away and she ended up bleeding and the woman didn't notice. Very achey now too, although I had a lovely lunch with my lady friends.

Running out for a takeaway now, Husband's feeling queasy so I'm eating "out".