Rosie and Jim: Paying to go to work, childcare, what would you do?

StickySituation_2

flea72 wrote: »

The nhs childcare bursary is all based around their residual income. Deduct 85% of their childcare from this and nhsba will pay the difference.

Although i think nhsba pay £125/wk max towards childcare, so your friend will still have to find £100/wk on top, if their nursery is £11k a yr.

My OH is on a similar income and i have 3 kids that i can claim for. I dont get full nhs bursary due to our residual income, so with 1 child i doubt your friend will get the full 85% either

Thanks, did not know this, I'd have hoped there may have been a way to calculate this before so I could give them some figures, the uncertainty of any previous replies they have had is a lot more daunting than being able to plan for things. They were told that you had to have already have the child in childacare to apply, then they would work out what she would be eligible for, then it can take 6 to 8 weeks to actually get that! not sure what they'd do in that time.

Gomes84

Hi i have recently come on to these forums and have been a little disappointed to feel that people do look down on you if your staying at home for a short period to look after your children. I think that 18 months to three years taken to stay at home in difficult circumstances is the best option. What is the point of not. Your children will thank you in the long run and you will treasure the memories for ever instead of struggling for a 12K a year job. When people think that these people are scrounging off the gov these are usually people like your friend who have worked hard and pay tax. One of the reasons we pay tax is so that when our circs change or things get tough we can receive some help. Its not forever.

StickySituation_2

Someone tells me that the normal bursary in wales for NHS students isn't a means tested one, but I'm not sure.

I gather the childcare element of it is though, still not sure it would cover it for them to break even, I'd have to recalculate based on that.

@gomes84, thanks for the input, I know, to some I guess it looks like they are playing the system just to live "comfortably" when everyone else has to struggle along regardless, I think the point is that they won't really be breaking even, if they couldn't get enough help to cover the childcare.

Then still this may be the difference of bringing in -£100 pcm and ending up in debt hell for the childrens future or if helped with childcare +£9 pcm after bills/food. Maybe that's what you have to do though, I don't know - I've always been quite comfortable myself and never been in that situation, as long as my family were looked after maybe I should be happy with earning £9 a month.

Then again, you could say in the bad old days the womans job was to stay at home and look after the children at this time and forget any notion of education or a career! while the old boy worked his heart out and provided for the family, and still not have a pot to pee in.

Tricky subject, but I can see why people would take umbridge on on hand, on the other hand I think why not.

LocoLoco

StickySituation wrote: »

Someone tells me that the normal bursary in wales for NHS students isn't a means tested one, but I'm not sure.

I gather the childcare element of it is though, still not sure it would cover it for them to break even, I'd have to recalculate based on that.

@gomes84, thanks for the input, I know, to some I guess it looks like they are playing the system just to live "comfortably" when everyone else has to struggle along regardless, I think the point is that they won't really be breaking even, if they couldn't get enough help to cover the childcare.

Then still this may be the difference of bringing in -£100 pcm and ending up in debt hell for the childrens future or if helped with childcare +£9 pcm after bills/food. Maybe that's what you have to do though, I don't know - I've always been quite comfortable myself and never been in that situation, as long as my family were looked after maybe I should be happy with earning £9 a month.

Then again, you could say in the bad old days the womans job was to stay at home and look after the children at this time and forget any notion of education or a career! while the old boy worked his heart out and provided for the family, and still not have a pot to pee in.

Tricky subject, but I can see why people would take umbridge on on hand, on the other hand I think why not.

To be honest I don't think childcare and/or finances are anyone else's business, your friends should do what suits them best both in terms of their quality of life and what they feel is important for their family. It's pretty appalling that the anti-benefits sentiment is so strong now that people are being put off looking after their own children. I've got friends that both work full time and after paying out for childcare and travel the mum (who is on a lesser salary than the dad) is only earning about £50 a month. To me that just doesn't seem worth it (although I do appreciate that some people simply don't have a choice).


I'd advise your friends to do what they feel is right for them and not to think about other people, it's their life and quite honestly, whatever you do these days there will always be someone who thinks it's wrong anyway.

SandraScarlett

Perhaps their Uncle Andy could help them out?


xx

stundent

Hi, rosie and Jim seem in a similar position to myself and my wife.

I recently quit my job as the pressures of it were making me unwell. I have decided to go to university and retrain.

My wife works 24 hrs per week and we have a 2yo daughter.

It appears that despite me earning 26k per year in my previous job we will actually be better off with me at university.

The student will receive adult dependant grant, parental learning allowance and childcare grant. As well as maintenance grant and loan. When combined with the bursary from my chosen university this is 14 per annum (not including the ccg?)

As Mon of this income is taken onto consideration for tax credits my wife also qualifies for just over 6k per year, plus her income of 9k per year.

A total of 29k after deductions Where's before it was 28k after deductions.

flea72

stundent wrote: »

Hi, rosie and Jim seem in a similar position to myself and my wife.

I recently quit my job as the pressures of it were making me unwell. I have decided to go to university and retrain.

My wife works 24 hrs per week and we have a 2yo daughter.

It appears that despite me earning 26k per year in my previous job we will actually be better off with me at university.

The student will receive adult dependant grant, parental learning allowance and childcare grant. As well as maintenance grant and loan. When combined with the bursary from my chosen university this is 14 per annum (not including the ccg?)

As Mon of this income is taken onto consideration for tax credits my wife also qualifies for just over 6k per year, plus her income of 9k per year.

A total of 29k after deductions Where's before it was 28k after deductions.

Unfortunately, because the OPs friend is doing an NHS funded course, they are not entitled to any extra bursary that a uni may offer, nor ADG or parental learning allowance. Also if there is any other household income (ie partner working) they reduce entitlement accordingly.

I have a daughter at uni, she gets over £10k a year to support herself, whilst i am doing an NHS funded course and get £4k even tho i have 2 other children still living at home to support and OH is on a low income.

Ok i have no tution fees to pay, but personally, id rather have access to money now (that i can repay once earning), rather than struggle to live now