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12 to 24 week pregnancy thread

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  • lippy1923
    lippy1923 Posts: 1,374 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Yes lippy unfortunately that is about right. Dreading it!

    Holy crap! That's like half my mortgage payment :rotfl:
    Total Mortgage OP £61,000
    Outstanding Mortgage £27,971
    Emergency Fund £62,100
    I AM NOW MORTGAGE NEUTRAL!!!! <<Sep-20>>

  • amyloofoo
    amyloofoo Posts: 1,804 Forumite
    Debt-free and Proud!
    lippy1923 wrote: »
    Thinking of you Betty !

    I'm trying to work out how much I will get each month when I go on mat leave. After the first 6 weeks, I go onto the SMP :(

    Thats about £135 a week x 4 = £540 - Taxed 20% = £432
    Do I have NI deducted from this as well? If so does anyone know what % that is?

    Then add CB = £80

    I estimate I will be getting about £510 each month :eek:
    Does this sound right to you?

    Depending on your combined incomes, you may also get income support, child and / or working tax credit and the £500 Sure Start maternity grant.

    For most of us though, I think SMP will be a huge shock to the system :(
  • Toothfairy4
    Toothfairy4 Posts: 1,398 Forumite
    I know its ridiculous :( Massive amount less for us as i am the main earner, its gonna be a struggle.
  • nessie216
    nessie216 Posts: 839 Forumite
    lippy1923 wrote: »
    Thinking of you Betty !

    I'm trying to work out how much I will get each month when I go on mat leave. After the first 6 weeks, I go onto the SMP :(

    Thats about £135 a week x 4 = £540 - Taxed 20% = £432
    Do I have NI deducted from this as well? If so does anyone know what % that is?

    Then add CB = £80

    I estimate I will be getting about £510 each month :eek:
    Does this sound right to you?

    Acting blonde

    What is CB?
  • lippy1923
    lippy1923 Posts: 1,374 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    nessie216 wrote: »
    Acting blonde

    What is CB?

    Child benefit :)
    Total Mortgage OP £61,000
    Outstanding Mortgage £27,971
    Emergency Fund £62,100
    I AM NOW MORTGAGE NEUTRAL!!!! <<Sep-20>>

  • nessie216
    nessie216 Posts: 839 Forumite
    lippy1923 wrote: »
    Child benefit :)

    What happens with child benefit/tax credit etc.? Don't really understand the gov website - when do you apply? Before or after baby is born?

    TIA x
  • lippy1923
    lippy1923 Posts: 1,374 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    edited 4 September 2013 at 1:04PM
    amyloofoo wrote: »
    Depending on your combined incomes, you may also get income support, child and / or working tax credit and the £500 Sure Start maternity grant.

    For most of us though, I think SMP will be a huge shock to the system :(

    No we are not entitled to anything, I don't think. Had a quick go on those confusing calculators and I'm told we can have CB of £80pm.


    I don't think we qualify for the £500 grant because we work and don't receive benefits!!!!

    Good thing we are saving up.
    Total Mortgage OP £61,000
    Outstanding Mortgage £27,971
    Emergency Fund £62,100
    I AM NOW MORTGAGE NEUTRAL!!!! <<Sep-20>>

  • lippy1923
    lippy1923 Posts: 1,374 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    nessie216 wrote: »
    What happens with child benefit/tax credit etc.? Don't really understand the gov website - when do you apply? Before or after baby is born?

    TIA x

    No idea lol. So much to learn in what feels like so little time.
    Total Mortgage OP £61,000
    Outstanding Mortgage £27,971
    Emergency Fund £62,100
    I AM NOW MORTGAGE NEUTRAL!!!! <<Sep-20>>

  • nessie216
    nessie216 Posts: 839 Forumite
    lippy1923 wrote: »
    No idea lol. So much to learn in what feels like so little time.

    It's a minefield

    Why can't they make it easy? :rotfl:
  • Lola888
    Lola888 Posts: 977 Forumite
    Part of the Furniture 500 Posts
    When I was on SMP when I had my first I took home £500. Gross pay was £600 with deductions it was just over £500.

    With the CB the registrar took my completed form off me when I got my LO's birth ceritifcate when she was registered at our county hall.

    HTH x
    Got married 13/11/10 :)
    DD1 born 25/03/12 :D
    DD2 born 28/11/13 :D
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