Government cuts have led us to question our marrage?

CAN1976

jetta_wales wrote: »

Child benefit is only being cut if the person claiming it earns over £40k isn't it? In this case it would be the Mum and she isn't earning over that so would still receive it.

Somebody feel free to correct me and give a link if I've got that wrong?

Nope, if someone in the household is in higher tax bracket you should not claim and can be fined etc when the change comes in.

pearl123

I suggest taking a look at the frugal living and old style living boards. Far better to live within your means.

By the way, if you have 3 children of such young ages - I would not expect you to have a clean and tidy house. Children make a mess and your wife can't spend her life just following around behind them.
To put it bluntly - you do sound greedy and very selfish. Not just financially, but also in the way you are prepared to just move out of your families home.
I would also agree with the other poster that your children would probably benefit from paying for their own university fees. Far better to learn financial matters early on. Maybe, with a contribution from parents.
There is more to life than money. Your post seems to have forgotten completely that.
A far fetched suggestion - buy a smallholding and some chickens - everyone might be happier!

January20

Mupette wrote: »

Well when a mummy bird and a daddy bird who love each other very much.....

Doesn't sound like Daddy bird loved Mummy bird very much, more that he had an itch to scratch...;)

Britwife

You really need to re-evaluate all the blessings you do have in your life and make room for any cutbacks. You really are blessed to earn so much and have other properties to help along. Look at your life in a positive light instead of the negative side. Yeah, you'll lose a bit of money but money doens't make you, you make you.

I don't understand why you are complaining about all this. Our income is just over half of what you earn and we make it. We have 3 children and our last on the way. We have a fantastic family life and money would never make that better. We feel so blessed and a thankful for every blessing God has given us.

Turn your thinking around now before you destroy your family and possibly commit benefit fraud.

ceridwen

Bambywamby wrote: »

I am not quite sure as to why people are so quick to dismiss someone because they claim to have a good income - whether you are earning minimum wage or millions - if you perceive you have money problems, you probably have money problems.

But then again - there's self-responsibility....so why did they conceive that 4th child if they feel they are struggling/really are struggling financially?

pearl123

Britwife wrote: »

You really need to re-evaluate all the blessings you do have in your life and make room for any cutbacks. You really are blessed to earn so much and have other properties to help along. Look at your life in a positive light instead of the negative side. Yeah, you'll lose a bit of money but money doens't make you, you make you.

I don't understand why you are complaining about all this. Our income is just over half of what you earn and we make it. We have 3 children and our last on the way. We have a fantastic family life and money would never make that better. We feel so blessed and a thankful for every blessing God has given us.

Turn your thinking around now before you destroy your family and possibly commit benefit fraud.

Beautiful post Britwife. You obviously get what life is all about. It's not about chasing the money sign nor commercialism.
I suspect the OP will never been a truely happy man until he realises that.
Money won't buy love nor health. He's a lucky man to have all that he has - he just is not satisfied with it. He appears to want a hand out from the government, as well. Yet there are proud pensioners trying to make their pensions stretch - yet refusing to claim pension credit because of pride! Or carers being given £55 a week to look after loved ones and being unable to work as a consquence of their caring duties!

ailuro2

justjohn wrote: »

Wish the OP would get back and either verify or knock all these prosumptions on the head....

Methinks the OP is sleeping it off under a bridge somewhere...

ceridwen

jetta_wales wrote: »

Using the savings to build an extent ion (two story) is a very good idea.

...and then he could inflict his "pain" on other people - ie the next door neighbours (who would have to put up with months of building work going on - followed by seeing yet more brick/concrete where garden currently is.....:mad:).

Building extensions is not consequence free.

Lunar_Eclipse

I don't think this post is really about the financial benefits of separating. It's also absolutely no good for your marriage to think that way, so please forget about how living apart will make you better off, because you aren't considering the ENORMOUS emotional benefits of staying together as a family. Do you really think any child will ever understand you separating for the sake of £5000/year, given your comfortable circumstances?

If you are growing apart from your wife and starting to have different dreams about your future, communication is the only sensible way forward.

beezbonnet

Some answers to keep you going.

No I wouldn't pay the £3000, wife is not confident driving in city center, bicycle too dangerous. So Id be driving 14 mile round trip to get to work, mean buying another or more likely paying for a regular bus pass but that would add a lot of time to journey for child. Most likely come to arrangement with other parents in same situation where we share the responsibility.
Point is £3000 is ridiculous its more than using taxis, means they are trying to terminating the service. £300 would be fair.

Our house, Its already extended to 4 bed and we have no more space to extend again.

House in country. A might add its near my parents, which is why OH wont move there. My 3 children would love to move there. When I got the redundancy money I had mentioned we could move. I don't want to mention it now because it brings problems. If I were entirely ruthless I could take the 3 children and leave the wife.
I did what OH wanted and got another job locally.

4th child, I was waiting to go for vasectomy at time. Id made it very clear I didn't want more children.
OH was supposed to be on pill. I obviously cant tell her how annoyed I was. She loves babies and the attention you get when you have a pushchair and child although she can be overly controlling with the children as they grow older.

Money. We have a lot of money because we don't spend it.
If you were brought up in a rural area you'd understand even though property is cheaper its very expensive on a local salary. You move away when your young to seek work and dream of going back.
OH doesn't spend money either. Her family life abroad and can't afford to visit or get visas. It cost about £6000 last time we visited them. She likes us to save for visiting her family. For her part she did take a part time job for a whole and paid for £1000 of it.
What money I spend I tend to spend on the children getting them the best bikes , musical instruments, gadgets, days out. etc, stuff I wanted but never had. We would have normal family holidays but OH thinks its a waist of money and prefers us to visit her friends, and family.

Would I look after all the children not just one at a time, yes I'd actually prefer the kids living with me but we'd all be worse off.

Anyway Financial gripes.

I posted this thread to demonstrate that the cut backs planned are grossly unfair.
Some people are completely unaffected, but large families with a single bread winners and savers are loosing 20% of their net income while others better off are loosing nothing.
The worst effected are single parents with large families and a decent income.

Pensions: Charges and returns on pensions are awful. They are now based on people living till they are almost 90.
After 20 years paying into company pensions I have around £30,000 worth of pension, no more than has been paid in. When I retire pay ot will be ar what 8% pa????



To other person who is on borderline 40% tax with children. If you don't want to pay more into a pension,
you can ask your employer for upto 6 month unpaid leave over first 5 years of your yongest childs life.
Theres an obligation so if you ask for 2 weeks extra leave each year you will be entitled.
Your employer may not be happy but they have to oblige.