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Child benefit to go in 2013?
Comments
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I dunno. It depends on what your calling low earners. With taper rates allegedly going to hit 0.6p in the pound (from 41p) then those whose combined incomes are in the region of 20 - 30K are in for a right doing. TBH I can only see those within a few K of the salary where the taper starts being ok. (or have I got this wrong??)
The taper at the bottom end will be much lower though. Now IS/JSA is tapered at 100% then with the HB taper combined with tax credits it's over 90%. Then with tax/NI/tax credits withdrawal combined it's 73%.
The UC taper they are talking about is 65% on net income, which will be about 76% once into paying tax/NI, which overall will be a lot better for those on lower incomes, even mid incomes.0 -
My wife looks after the children and home eds them. So we are already saving lots of money for the government!
You should have known that posting on such an emotive issue would lead to a mixed response. Anyone who earns a low wage and survives would expect that you are being greedy IMO.
I suspect you are just dong what anyone else in you position would do and that is continue to support your family by claiming what you are entitled to.
There is always a thin line between what you are entitled to and put yourself in a position to be able to have what other claim!Andyboy :idea:0 -
You should have known that posting on such an emotive issue would lead to a mixed response. Anyone who earns a low wage and survives would expect that you are being greedy IMO.
!
As has been demonstrated on these boards time and again those on an alleged low wage with kids are getting it topped up to an extent that makes them no longer a low earner. They still get child benefit though.
As i keep saying if the OP is getting 2500 per year then this is 3 or 4 kids. A person on a low wage with 3 or 4 kids will, via the tax credits system, get thier money topped up to just short of what the OP is earning. THEY ARE NO LONGER A LOW EARNER as a consequence of this.Salt0 -
As has been demonstrated on these boards time and again those on an alleged low wage with kids are getting it topped up to an extent that makes them no longer a low earner. They still get child benefit though.
As i keep saying if the OP is getting 2500 per year then this is 3 or 4 kids. A person on a low wage with 3 or 4 kids will, via the tax credits system, get thier money topped up to just short of what the OP is earning. THEY ARE NO LONGER A LOW EARNER as a consequence of this.
Melly, you are on a crusade since you've done all the calculations with this one, but I am sooooo behind you. I am tired of reading comments back to those who dare saying they are earning £40K that they earn tons and shouldn't be here to ask for anything, but anyone on £25K gets all the sympathy. My ex and his never working-always dependend on benefits pregnant girlfriend get probably close to what I pay every month in tax in tax benefits, yet they consider they shouldn't have to pay maintenance (for our two children)because they are struggling whilst I am racking it in.
I have often be puzzled to hear about family on a quite much lower income seeming to have a very similar lifestyle than me (kids doing activities, holidays abroad, nice cars, pleasant homes etc...). I used to assume that this was because they were much better at budgeting than I, or that they had come into money earlier on, until I read your posts and realised that it is because they are probably left with very similar amount of disposable income than I. I have worked so hard to get where I am, going through reorganisations, having to reply for my jobs, working hard to get promotions, studying at night, all this whilst raising my kids full-time, it does hurt the soul to see that the result, as it stands, wasn't really worth it!0 -
Melly, you are on a crusade!
:rotfl:thats one way of putting it.since you've done all the calculations with this one, but I am sooooo behind you. I am tired of reading comments back to those who dare saying they are earning £40K that they earn tons and shouldn't be here to ask for anything, but anyone on £25K gets all the sympathy. My ex and his never working-always dependend on benefits pregnant girlfriend get probably close to what I pay every month in tax in tax benefits, yet they consider they shouldn't have to pay maintenance (for our two children)because they are struggling whilst I am racking it in.
I have often be puzzled to hear about family on a quite much lower income seeming to have a very similar lifestyle than me (kids doing activities, holidays abroad, nice cars, pleasant homes etc...). I used to assume that this was because they were much better at budgeting than I, or that they had come into money earlier on, until I read your posts and realised that it is because they are probably left with very similar amount of disposable income than I. I have worked so hard to get where I am, going through reorganisations, having to reply for my jobs, working hard to get promotions, studying at night, all this whilst raising my kids full-time, it does hurt the soul to see that the result, as it stands, wasn't really worth it!
Adopt the mentality that I have started to adopt. Think long term and it should be worth it. When those kids grow up and those families are no longer entightled to tax credits and child benefit hopefully you will be left with a large salary and a great lifestyle that you have earned. Those that have relied on such credits wont be getting that.Salt0 -
I have worked so hard to get where I am, going through reorganisations, having to reply for my jobs, working hard to get promotions, studying at night, all this whilst raising my kids full-time, it does hurt the soul to see that the result, as it stands, wasn't really worth it!
Please don't think it wasn't worth it! You can look back at what you've achieved with a sense of pride and your children will have a better attitude to work and education because of your example.
You may not be better off financially because of it (and I don't think that's fair) - but you are better off in terms of self-esteem.
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there is a very good reason.
If she is getting 2500 in child benefit this means she has at leat 3 kids. Due to the tax credit system she will not be able to work because she will not be able to afford the childcare since her husband is earning so much. In other words, it would cost her money to go to work. So the choice is simple, pay to go top work or stay at home and bring your children up and see everyone else affording the opportunity to go to work paid for by her husbands tax and then have to put up with the same @rseholes coming on her telling her she shouldnt get any child benefit.
Not necessarily, she could find employment which fits in with her partner....thus no child care payments.
This then gives the OP the chance to spend quality time with the children and for his wife/partner, an independent life outside of the family....and they all get extra pennies.We made it! All three boys have graduated, it's been hard work but it shows there is a possibility of a chance of normal (ish) life after a diagnosis (or two) of ASD. It's not been the easiest route but I am so glad I ignored everything and everyone and did my own therapies with them.
Eldests' EDS diagnosis 4.5.10, mine 13.1.11 eekk - now having fun and games as a wheelchair user.0 -
Not necessarily, she could find employment which fits in with her partner....thus no child care payments.
This then gives the OP the chance to spend quality time with the children and for his wife/partner, an independent life outside of the family....and they all get extra pennies.
but your missing the point. Why should she have to do that when someone else who has as much income gets it for free. Thats the whole point.
Why should she lose 2500 of free income that someone else gets? Those on tax credits who have as much as her family to live off and will still get CB yet she has to bust herself to do that bit more to compensate for losing it.Salt0 -
I wasn't missing the point, I was pointing out that childcare may not be needed...I was merely answering that one simple aspect.
I did go on to make a post about it being unfair regarding a single earner family compared to a just under dual income family...but the computer ate my post!
It just seems crazy to me that you could have both parents working, having a higher income, maybe almost double the income of a single high rate tax payer earning family and still receive child benefit.We made it! All three boys have graduated, it's been hard work but it shows there is a possibility of a chance of normal (ish) life after a diagnosis (or two) of ASD. It's not been the easiest route but I am so glad I ignored everything and everyone and did my own therapies with them.
Eldests' EDS diagnosis 4.5.10, mine 13.1.11 eekk - now having fun and games as a wheelchair user.0 -
I wasn't missing the point, I was pointing out that childcare may not be needed...I was merely answering that one simple aspect.
I did go on to make a post about it being unfair regarding a single earner family compared to a just under dual income family...but the computer ate my post!
It just seems crazy to me that you could have both parents working, having a higher income, maybe almost double the income of a single high rate tax payer earning family and still receive child benefit.
oh, I agree with that. There is almost always a way around something if your determined enough its just that the proposed system is very unfair.Salt0
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