Seriously need help...please :)

Spendless

I find it quite ironic that the OP has taken a slating from people who say they are working then admit that the childcare element of tax credits helped with the cost (who do you think pays that?), from people who claim a low income but don't mention the net income they are receiving into the house and people who are young saying they are tax payers, who do you think was paying tax to support a younger generation whilst you were in education?

She is working, not currently claiming childcare costs -cos her parents have the child, but they are finding it too hard to manage. She comes across as not knowing much about the benefit system otherwise she'd probably be using the subsidised childcare already.

OP if you come back and I quite understand if you don't! Put your details into one of the tax credit webistes and have a play about with figures to see what help with childcare costs you'd get if you used ofsted approved childcare, and then compare that to you not working. How old is child? There is non-means tested funding for 15 hours per week term-time the term after childs 3rd birthday that can reduce childcare costs.

shellyruby

thrustmaster you are missing the point.
the point i was making is the op didnt want everyone to delve into her life and be judgemental.she just wanted a simple answer to her question..the forum rules say be nice to all money savers and there is no call for anyone to judge anyone else and say things like sitting at home breeding..this is why there are trolls on the board because you all take posts to the limit and cant just answer a question politely..and thankyou i wasnt trying to strengthen my post by writing in bold..i like to write in bold if thats allowed of course..are you the forum police..

no-oneknowsme

shellyruby wrote: »

..and thankyou i wasnt trying to strengthen my post by writing in bold..i like to write in bold if thats allowed of course..are you the forum police..

Without wishing to get involved in the ongoing dispute , I just wanted to chip in and say that the big , bold writing is actually very hard on the eyes of the people who are reading the post.

I understand there are posters who may NEED to use bold writing for one reason or another , but to use it simply because you "like" to write in bold is actually not necessary.

anguk

no-oneknowsme wrote: »

Without wishing to get involved in the ongoing dispute , I just wanted to chip in and say that the big , bold writing is actually very hard on the eyes of the people who are reading the post.

I understand there are posters who may NEED to use bold writing for one reason or another , but to use it simply because you "like" to write in bold is actually not necessary.

I find it very hard to read the bold writing and end up just skipping past those posts which is a shame because the poster may have some very valid points but I miss them because of the bold.

Orville

Oh dear now you lot are moaning about bold writing (in a nice way of course).:eek::eek::eek:

michelle1506

Spendless, I think you have raised some very good points :-) I will not be able to claim tax credit for a few months yet as I am 27 weeks pregnant and have a way to go before I give birth and go back to work. Therefore I will have missed the boat when it comes to claiming the extra payments such as the £500 grant and the the £500 baby related extra payment.

Yet you have not heard me complaining! I just think "Oh well, that's just the way it is!"

As for the younger op whose parents look after her child, she would not be able to claim WFTC anyway as her parents will be UNREGISTERED. I bet she would be otherwise!

Spendless wrote: »

I find it quite ironic that the OP has taken a slating from people who say they are working then admit that the childcare element of tax credits helped with the cost (who do you think pays that?),

She is working, not currently claiming childcare costs -cos her parents have the child,

nottslass_2

thrustmaster wrote: »

To the OP - I would be more concerned about what your children and husband will think of you if you decide not to work.

Household money may be shared but both halves should contribute if they are able (by working). This prevents the woman from being marginalised in the future and pushes away from the stereotype of hard-working man and breeder at home .

Your kids will grow up faster than you think and no matter what you think you cannot guarantee your husband is always going to be there. So you should always make the best of yourself.

Also take into consideration our countries financial status - What you get this year may in benefits be severely different from next and IF you decided next year it wasn't enough to support your family you have no guarantee of getting another job (1 year sitting at home doesn't go down well on the CV - even if you are looking after kids).

What a load of complete twaddle.

I Can just imagine my response to my partner/kids if he thought any less of me if I didn't work outside the home :mad:

As for the complete rubbish that 1 year "sitting at home looking after kids"won't go down well on a CV - any employer with half a brain knows that the skills used managing a home and children are transferable and can be utilised effectively in many work scenarios.

jellyhead

I thought the benefits section of MSE was for advice, not discussion? It's scarier than DT in here!

All the OP needed was to be pointed towards the entitledto calculator to play around with figures, check what she'd get if she continued with her current job but used a registered nursery etc.

jellyhead

thrustmaster wrote: »

To the OP - I would be more concerned about what your children and husband will think of you if you decide not to work.

Household money may be shared but both halves should contribute if they are able (by working). This prevents the woman from being marginalised in the future and pushes away from the stereotype of hard-working man and breeder at home.

Your kids will grow up faster than you think and no matter what you think you cannot guarantee your husband is always going to be there. So you should always make the best of yourself.

I know exactly what my husband and children think of me being a stay at home mum, thank you.

I see nothing wrong with the stereotype of husband working and mum breeding either, if it's what both of them want. It's a choice, and if everyone's okay with not having foreign holidays because mum doesn't contribute to the family coffers while the children are small then who are you to judge?

I realise that if my husband dies or leaves me I won't have the same employment options as a working mum, but I'm willing to take the chance. If he dies there will be insurances and if he leaves me he'll pay maintenance and I could reduce childcare costs by working while he had the children. Or I could find another husband

chris1973

Regardless of the comments in relation to whether the OP is right or wrong, and instead of hurling insults lets look at the infrastructure and the logic.

I wonder what would happen to the country if EVERYBODY who has children opted to excercise their freedom of choice and give up work and become a stay at home parent?. The number of tax payers would be so drastically reduced that the amount paid out in various benefits would far outweigh the revenue gained in PAYE payments from those few still going to work.

With billions being paid out, and only millions being paid in, the entire system would collapse very very quickly, and everybody would lose out.

In a country which is, supposedly, so heavily in debt it wouldn't take long for it to go bankrupt and a return to a repeat of the Victorian era where there were no benefits whatsoever, and the only time you saw your children was when you fed them their gruel before they went off to the Workhouse.

Perhaps it would take something like this for people to realise the full and obvious value of what they have got already, and cherish it.

Just a thought.