Tax Credits cuts - don't know what to do

melly1980

welshmoneylover wrote: »

A lot of people are going to be in $4ite street because they had more children than they could afford and expected the taxpayer to fund them.

It's going to be childcare costs that push many people over the edge.

Even I'm astonished at the amounts people are paying out, its nearing enough the cost of a mortgage in some cases and I'd be frightened to find that amount each month. I think I'd be tempted to give up work and care for them myself!

Just think of how many jobs are going to become available within the next few months!

Just think of the amounts of money childcare businesses are going to lose by having few customers, it might bring their charges down a little bit.

This person can afford her kids, she cant afford the extortionate childcare fees that are pricing her out of work. These fees have gone up because of the subsidies for the lowert earners and now she has to put up with the same lower earners slating her. It is bloody criminal that this person may not be able to work while her and her fellas ntaxes are subsidising others and providing childcare fees for them. The least the lower earners can do is stop being hard faced b'stards and appreciate what is done for them.

viktory

melly1980 wrote: »

have you really just completely ignored the post by Emmy Roo. Can you not see that she is in **** street soley because of the childcare costs and could be forced out of work?

Erm and the debt, and the lottery money, overdraft costs, haircuts, presents, emergency fund, oh and being completely reliant on benefits.

melly1980

viktory wrote: »

Erm and the debt, and the lottery money, overdraft costs, haircuts, presents, emergency fund, oh and being completely reliant on benefits.

they are only reliant on the benefits for the childcare. Why should the lower earners get childcare paid for to enable them to work so that you then end up better off than someone who isnt eligable.

Its your kind of attitude that makes me hope that they wipe out the tax credits for all the jealous lower earners.

scotty1971

childcare costs will almost certainly make mothers leave jobs,my partner is a childminder, one of her clients works 16 hours a week gets minimum wage and her chilcare costs for her 2 children are £120 per week,she is a single mother who wants to work but childcare costs are making it not worth her while,she could claim other benefits if she stopped working,so even though the goverment want people to work it's just impossible sometimes

julie03

i will admit to being one of the people that read this thread and thought that the op could easily survive on that income, but looking at the SOA and the childcare costs , i am shocked at the cost, its like having 2 mortgages

to the op: i hope you can find a resolution to your problem, i never realised the costs were so high

affordmylife

ok firstly the point of going to work is to be better off. you are not you are worse off so its clear to me that you should either give up work completely in order to save childcare fees and petrol expenses plus all other associated work related costs. you would be much better of working when your husband is at home to care for the children. this way any income is actual income and not swallowed up in costs.

secondly when i was a single working parent (two small boys) there was no such thing as money for childcare. why do people today think they are entitled to help with childcare. if you want to work you sort it out yourselves you dont expect someone else to pay for it. i find that quite hard to understand. i dont mean to be rude but no one ever gave me money for childcare so i could go to work. i had to find my own way.

i felt i had brought these two children into the world and it was my responsibility to work and pay for them. i dont know why everyone thinks the world owes them something nowadays.
i am now remarried and have another child and our current situation is that we jointly earn around 35k to 45k depending on overtime and only get the £10 a week ctc ( is that what its called?) and we have a fantastic brilliant life and go without nothing.

i love the phrase 'cut your cloth according to the grain' and think we should all just get on with it and stop moaning xx

vasseur

Are you actually £750 in credit with your utilities provider or was this a typo? £75?

zippybungle

melly1980 wrote: »

This person can afford her kids, she cant afford the extortionate childcare fees that are pricing her out of work. These fees have gone up because of the subsidies for the lowert earners and now she has to put up with the same lower earners slating her. It is bloody criminal that this person may not be able to work while her and her fellas ntaxes are subsidising others and providing childcare fees for them. The least the lower earners can do is stop being hard faced b'stards and appreciate what is done for them.

:T Well said!

dreavi

melly1980 wrote: »

they are only reliant on the benefits for the childcare. Why should the lower earners get childcare paid for to enable them to work so that you then end up better off than someone who isnt eligable.

Its your kind of attitude that makes me hope that they wipe out the tax credits for all the jealous lower earners.

You're assuming that he is one of the "jealous lower earners" as you put it. He could quite easily be a higher rate tax payer that doesnt receive any tax credits. Therefore he probably feels aggreived that his tax money is paying for somebody else's £25 haircuts and £30 worth of entertainment. Shocking though it seems some people dont get any tax credits. I dont think the OP's budget is particulary extragavagent but when you take tax payers money you open yourself up to recriminations.

Personally I dont care either way but I think the OP should look into taking a career break as her job doesnt seem to pay enough to make it worthwhile

ekkygirl

affordmylife wrote: »

ok firstly the point of going to work is to be better off. you are not you are worse off so its clear to me that you should either give up work completely in order to save childcare fees and petrol expenses plus all other associated work related costs. you would be much better of working when your husband is at home to care for the children. this way any income is actual income and not swallowed up in costs.

secondly when i was a single working parent (two small boys) there was no such thing as money for childcare. why do people today think they are entitled to help with childcare. if you want to work you sort it out yourselves you dont expect someone else to pay for it. i find that quite hard to understand. i dont mean to be rude but no one ever gave me money for childcare so i could go to work. i had to find my own way.

i felt i had brought these two children into the world and it was my responsibility to work and pay for them. i dont know why everyone thinks the world owes them something nowadays.
i am now remarried and have another child and our current situation is that we jointly earn around 35k to 45k depending on overtime and only get the £10 a week ctc ( is that what its called?) and we have a fantastic brilliant life and go without nothing.

i love the phrase 'cut your cloth according to the grain' and think we should all just get on with it and stop moaning xx

Is that what it's called? you tell us you claimed it! It didn't magically appear.

I really hate this "holier than thou" attitude on these boards when people ask for help.