Partner has to go back to work after baby, but cant afford childcare

lanceneoman

spoke to HMRC today, and that's what they say.

BoJangles_2

lanceneoman wrote: »

And let me guess, if plan B would have failed you should of made a plan C.
Well in fact plan B was, I had asked my employer if I can reduce my hours, and it was a agreed, but we have been taken over, and they can no longer agree to it.


I came here to seek advice, not to be criticised. It doesn't help us anyway saying what I Should of done.
I work 60 hours per week, for not much money, never had a day off, either of us, always worked, went to uni, done everything and as much as I CAN DO,

That is the answer though, don't get me wrong I think the system stinks for those in full time employment and childcare is a massive issue (I can see why many won't work) but that's another story.

tomtontom

lanceneoman wrote: »

only myself earned £20,000 , my partner a year ago earned £10,000, now she is on maternity earning £130 per week, and end of this month that's it she gets nothing.

lanceneoman wrote: »

I earn £30,000 a year and my partner earns £15.000.

So its not that we cant afford it, but as i have only just started my new job, we would like to get a loan to pay for the car (like many people) we dont want a pay day loanm it was only a check to see if we can get one or not to try and see whats going on.

just cant see why not. not one default on credit file.

many thanks

I'm sorry, I'm confused. Are you sure you haven't confused HMRC also?

Caz3121

lanceneoman wrote: »

I earn £20,000 per year

lanceneoman wrote: »

I spoken to the taxa credits, and they say I earn too much money.

cutoff for 1 child with no childcare costs is around £26k
cutoff for 1 child with childcare costs of £175 per week (max) is over £40k
https://www.gov.uk/government/publications/tax-credits-entitlement-tables-working-at-least-16-hours-and-paying-childcare/tax-credits-entitlement-tables-working-at-least-16-hours-and-paying-childcare
What figures did you tell tax credits

what was 13/14 income (take £100 per week off any SMP)
what will 14/15 income (take £100 per week off the SMP)
what will 15/16 be if you are both working

duchy

Agreed -0 you're not inputting into the benefit checker correctly.
Are you putting in last year's figures by any chance ?

lanceneoman

Sorry those figures what we used to earn.


Currently I earn 20k per year,


Partner is on maternity leave, which finishes end of this month, there fore the only earning we have will be mine at £20,000 per year.


They said I may be entitled to housing benefit, of £500 per year, however; I don't that will not help.


We have to try and earn £500 per month, in order to provide food for us and the baby.


CAB advisor I spoken to infact, said we would be better off not working ( guess that's why so many people don't work)

Paully232000

try using turntous and check what they think you are entitled to, I cant see you not being entitled to tax/child credits based on either of the salaries you have posted.

Paully232000

lanceneoman wrote: »

Sorry those figures what we used to earn.


Currently I earn 20k per year,


Partner is on maternity leave, which finishes end of this month, there fore the only earning we have will be mine at £20,000 per year.


They said I may be entitled to housing benefit, of £500 per year, however; I don't that will not help.


We have to try and earn £500 per month, in order to provide food for us and the baby.


CAB advisor I spoken to infact, said we would be better off not working ( guess that's why so many people don't work)

Is your partner going back to work??

haras_nosirrah

if her income is 10k then she cannot be in a highly skilled job. Can she change it for another job with different working hours to you?

Also the above are correct - if you are going to have a joint income of 30k then you will be entitled to help with childcare. You are doing something wrong on the calculators

what will her income be on her return to work? If 10k then you will be enititled to something. They may be basing it on her not working in which you would have no childcare costs and your joint income for the year is over 26k so they are correct you would get nothing.

going forward though if she is returning to work and you will have childcare costs then the threshold goes up to support workers

lanceneoman

sorry now its says we are entitled to £795.00 childcare allowance, and £795 tax credit. But they is not going to help towards £9000 childcare costs. ( and the risk of leaving a baby with a stranger.)
Its not a highly skilled job she has no, but where we live there are not many jobs going around here, and basically none willing to be flexible with hours, in order for her to earn £500 per month.