Can I claim

Spendless

garry81 wrote: »

She is not working at the moment, she would like to get some qualifications as she has none.
Darksparkle - She has said that is exactly the reason she is using the childcare.

It really is a problem, we love each other and want do the right thing but it makes it hard when it will cost so much by being together.

garry81 wrote: »

We do not believe it should be any different for us, I am prepared to make do with less, but it is a bit of a dilemma and I just wanted to make sure I understood the situation properly as it is a big step and not something to take lightly.

Darksparkle - I just wanted to make sure about one point, the child was 3 in June and so will be 3 when she goes back in September, is it the case the near enough all 3 and 4 year old get the free 15 hrs childcare a week paid by the government.

She has been going to childcare since last September (when she was 2) and had got 15 hrs free since then, I just ask as the mother is under the impression that if moving in with me we will lose the 15hrs free and have to pay for them.

The child will still get 15 hours free nursery regardless of whether she just lives with her Mum or you all live together. It's not means-tested. This is because it's for nursery education, rather than childcare though many, many people, myself included use/d it to reduce childcare costs. It's only for so many weeks per year in line with a school, so around 38 weeks I think. :cool:

So, if your gf moves in with you, she loses child tax credits but will keep child benefit and the 15 hours free nursery sessions but you will live on your wages alone as a household.

Will LO go to f-time school September next year? It varies in different areas, but where I live she would. Depending on what qualification she intends getting, if your gf were to go to college for a year, then next year assuming her DD starts school she could job hunt then. You can do the number crunching to see if this would make more sense to live apart for an extra year whilst your gf studies.

nannytone_2

borkid wrote: »

I must have been unusual then. Despite the fact we could afford to and had the opportunity to put both our children into child care we decided they would be better off at home with me.
They went to toddlers group to socialise and later 1 morning a week to nursery the year before they started school, this was so they would be used to being parted from me before school.

i wasn't commenting on whether saying at home with a parent is better than attending nursery.

you were in a fortunate position of being able to afford not to work.
many don't have that luxury.

people get stuck in a trap where they can't afford to stay at home with their kiddies, but also can't afford the childcare in order to work

Detroit

Returning to the OP, you question the discrepancy with the calculator if you put in your gf IS.
The problem with some of the calculators is that they are just do the sums, and generally will only give you back what you put in.
So if you tell the calculator she is on IS, it won't necessarily 'question' this, but will throw out a figure taking this into account.
Some calculators are better than others, the turn 2 us one is pretty good, but has been known to throw up some inaccuracies/confusing results, so can't be totally relied on.

Your gf will definitely not get IS when you move in, so leave it off when you run the calculator.

Better still, ask CAB for a full benefits check. Their calculator is more sophisticated and they have the added knowledge of the benefits system.

Spendless

When I had my eldest 16 years ago, my employer only employed full timers and the childcare bill was equivalent to my net pay. I packed in my job, a few months later struggling, I found a part-time job working evenings and weekends as my DH had a job where he worked set days and times so could be home when I worked. Don't know if this would be an option to you?

Bananas123

Darksparkle wrote: »

My sister was also taught French. She's nearly 12 so it's not something
new.

why is she 12 but still at nursery ?

because you said they get taught new languages at nursery (i.e. 3 y/o's etc; not 12 y/o's ????????)

But going to the park can't teach a child sign language or another language. A nursery can.

here /\ quote

---

here is random nursey cirriculum (you know because you swapped from socialising to nursery cirriculum for some reason)

[FONT=&quot][FONT=&quot]I will play and make up stories with small world toys.[/FONT][/FONT]

[FONT=&quot][FONT=&quot]I will mix my own colours with powder paints.[/FONT][/FONT]

etc etc

can't see "foreign language" on the menu ?

so gone socialising > cirriculum > multilingual 3y/o's > 12 year old's (who are not even in the age range, of any of the random things you have been saying ?)

the "free" argument was a joke btw (as in "on theme" ("just because something is free doesn't mean you should take it ??)

some people cannot help themselves though ? obviously........

will go,

sorry for messing up thread OP / people.

Darksparkle

Bananas123 wrote: »

why is she 12 but still at nursery ?

because you said they get taught new languages at nursery (i.e. 3 y/o's etc; not 12 y/o's ????????)

here /\ quote

---

here is random nursey cirriculum (you know because you swapped from socialising to nursery cirriculum for some reason)

etc etc

can't see "foreign language" on the menu ?

so gone socialising > cirriculum > multilingual 3y/o's > 12 year old's (who are not even in the age range, of any of the random things you have been saying ?)

the "free" argument was a joke btw (as in "on theme" ("just because something is free doesn't mean you should take it ??)

some people cannot help themselves though ? obviously........

will go,

sorry for messing up thread OP / people.

Was is past tense. She attended nursery from 6 months until she was 5. While attending she was taught French. They continue to do so because I know others who have children there and have looked into it for my own child.

Really don't know why you want to continue arguing about this. You have offered no helpful or useful advice to the OP.