weapon69

I'm just looking at the tax credit site and i don't know why its coming out at £450 I earn next to nothing so god knows how they work that out

OllyK

Don't take this the wrong way, but have you considered putting the child up for adoption?

weapon69

If the adoption was purely down to monetary reasons then no way.

OllyK

OK just something to consider if things are so bad financially that you cannot provide a reasonable standard of living for the child, it would be better off being adopted. If you can provide a resonable standard of living then I don't see that you have a problem.

You cannot always pick the "ideal" option in life. It is not down to society to provide everybody with the means to always choose the ideal option. If society does give you a little helping hand now and again, be thankful and take it with a smile, but you really shouldn't expect it to be handed to you on a plate.

Diesel

Imlach whilst I admire your cross referencing skills [regarding me having a kid and >shock horror< also looking at a 15k Audi], I think you may have missed my bleat about having my Scooby nicked prompting this shopping spree!

They kid and car are also inextricably linked! Why? Well, whilst you and the tax system would seemingly wish to punish me into an Austin Allegro with a papier mache cheapo baby seat, I somehow think an Audi with the insurance cash would be a better option (did I mention how much SE mortgages cost btw...)

Whilst I now spend about £100 pa on clothes from Tesco and Primark as one of my many concessions, forgive me for not putting my life completely on hold or shelving any ambition purely because I am a daddy now.

The base point is that, to be fair to all families CHILDCARE SHOULD INVOLVE A TAX-DEDUCTIBLE ELEMENT. The flat I let out is after all TAX-DEDUCTIBLE; preference is given to this much less ‘life-important’ mini commercial enterprise over families...

I really don’t get this punitive and grabby mental approach by some people, where they see it as fair and a huge social justice to take as much as you can off a family once they earn, say, over £50k. If I work overtime and get over £50k then it is for MY FAMILY’s BENEFIT – its not to subsidise other people/society as if they were my children or dependants or something, and whilst my missus and baby have to stay at home against their wishes. This is all particularly ungratifying as the social system will just sit back and watch me lose my house should I lose my job – that’s my reward for all that tax and all that good I did contributing; ‘thanks Diesel, sorry about the repossession, now F off’? But then that’s another thread and pushes me about as right wing as I get

D

PS That plate you mention Olly - what does it look like ?

OllyK

No you didn't - how much higher is the interest rate down in the south that the rest of the country??

I have no idea - I don't go looking for it.

imlach

Diesel,

The point is - childcare seems to be on average around £30/day in a nursery (perhaps more in the SE). The minimum wage is £5/hour? So if you do an 8 hour day, you earn £40 gross. This is surplus to the childcare cost even allowing for the very small amount of Tax and NI on this pay.

Therefore, using the above figures, there is NO-ONE in this country who couldn't go out and work AND have their child in childcare, and come out of it with a financial deficit.

So, if you want your child to be in childcare for social reasons, and your wife to work for sanity reasons, WHY does she not work? You'd surely have small financial gain...

If you have two children in childcare (which would surely be for a VERY short time given 2 x maternity leave, free nursery at 3 years old, etc), that would be £60/day, which would require an earning potential of £7.50/hour net to break even....

Given the above, I'm assuming SE nurseries are £60/day/child

OllyK

One slight flaw in the maths - potential travelling expenses

imlach

One potential saving - less sitting around in cafes with baba drinking coffee all day when not working
Should cover that one

fast bloke

you use less heating/light/cooking facilities as well

Diesel

LOL at the cafe society picture (and at £2.30 a cup too at Starbucks - another thing I've given up (poor me - he he)).

Bottom line is £13,200 needed for baby in nursery pa. Missus gets, say, £17k pa job and pays for travelcard/ferrying baby cost/tax/NI. Total no brainer.

If she could get £25k all is better. I have requested this of her on all our behalfs! Even threatened the Austin Allegro thing If we as a family were allowed to offset some of the £13,200 against our overall tax that would seem fairer as it would enable her to contribute tax to the economy (did I mention that?)

She got only statutory maternity last time as she, like many these days are contract staff.

imlach

She could go back part time surely? Good compromise....

£13200/pa for baby in nursery? That's £50/day!?!?!
Seems quite high???

ProperCharlie

I think that Diesel has a fair point. the welfare system is designed to stop people from living in total poverty, but does little to encourage people to work or provide incentives for your "average" man. There are many ways that the system could be altered to make it less of a burden on low and middle income earners. Unfortunately it is these peoplel who make up the majority of the tax revenues. Dole monkeys and the mega rich don't tend to contribute that much.

Diesel

It was genuinely £49 a day when we checked some 10 months ago... Its the mortgages on the nurseries down here see

Thanks Charlie - I'm not looking for any 'woe is me' handouts, and you get that.

Bajie

Hey Bravo ... I read that bit

In my opinion, there was no real incentive for my wife to go back to work other than sanity. You know, wanting to deal with other "adults" and such for a few hours.
For our first child Mrs B went to work after 3mths [thanks to the mum-in-laws babysitting duties].
With the second she wanted to stay home longer as she regretted not spending the time with the first
Whatever you, and W69 decide to do you'll make it work.
This thread and some of the opinions within could really make you dizzy though.
Regardless of how much you do/don't earn a child is a very expensive burden and I, personally don't think anyone is ever ready for it.
Good luck and enjoy the nipper.

weapon69

Bajie-i wish i had a mum to do babysitting duties! Would make things so much easier! If i don't return to work though, i've got no money to pay my debts or even buy food. I'd have to go with Imlach's work for a tenner a day solution

I'm totally down about the whole situation tbh and certainly won't be 'enjoying the nipper'.

imlach

Forgive me for again misunderstanding, but as a couple you have a main breadwinner in B2Z. Therefore, is it not the case that you will work things out financially as a couple.

Obviously I'm allowing for pregnancy hormones (!) and the general feeling of panic before birth, but surely it's dramatising things slightly to say you won't have any money to buy food!!!

Obviously, the goverment would help you out more if you were on your own. As it is, there's two of you who are providing for this child, and one of you earns an amount the goverment deems it unnecessary for them to splash out on.....hence why as a couple you will cope.

imlach

PS Even if the goverment were to fully support you on the state, you WOULD get money for food, clothing, heating, housing (ie, the essentials), but I'm afraid the goverment is not there to pay off personal debts.

scoobypreza

hey chin up hun
It all looks crap now but just you wait and see...
When the little one arrives it will all be worth it.

I'm guessing this is your first little one, sorry if I've got that wrong.
People tell you ... ahhh it will all be worth it in the end... but it really is.

For the first couple of months you'll be thinking what have I done!
Your life is going to change and money worries are a fact of life.
But you will adjust, your priorities change.
The things you used to spend money on don't seem important anymore.
I found the first couple of months hard but now our little boy is 5months I am really enjoing him. He makes me smile every day, he is my life now. I never thought I would say that.

I'm going back to work in January. I'm dreading it.
We sold my car so we could afford for me to have some time off with no pay.
Childcare is going to cost us £25 a day and it really isn't going to be worth me working. But I'm going to give it a go. Not sure how I'm actually going to get to work yet! Haven't got any money to buy a car now!!!

You will just have to see how things work for you.
Don't get stressed about it now.
You haven't got long to go, don't waste your last few weeks with your bump dreading the future and worring about money.

You will find a way to make things work for you.
Your new adventures with a baby are about to start lookforward to the great things that are to come. Don't read all the negative posts on here.
Its enough to put anyone off!

Looking forward to hearing about your new arrival
pm me if you want to chat about babies!!!!
cath
x

imlach

[generalisation mode ON]

Negative huh? Realistic more like. It's about time some of the scum baby-producing chavs knew more about the full implications of what a quick few pumps in the bedroom can get them into.....

Shame more people in the country don't consider the full implications of their decisions before whining/moaning/relying on the state to bail them out.

weapon69

WTF are you on about imlach, i've never said i want the state to pay my personal debts,i just want to go back to work to be able to pay them back!!

yoza

........Scum baby producing chav

You rang.........





I want to buy my little lad a quad bike to wizz round our estate, can I get any help from the social ?

If not, why not.

imlach

..or rather, if you didn't have debts, you wouldn't need to go back to work. Therefore, in the current situation, you want to go back to work, with no other costs whatsoever, so you can maximise your debt paying potential.

Why should the goverment help you out indirectly to pay back your debts when as a couple you are above the thresholds for support?

imlach

Given I'm generally a nice guy, perhaps should lock this thread in the interests of ante-natal stress (or rather, avoidance of).....

Wouldn't wish any sort of pregancy health issue on anyone....

Diesel

If you are even dreaming of implicating me in that statement (and lets face it you are after US hogging the thread) or BVravo/W69 then you are even more of a blind arrogant ignorant, keyboard based tosser than I already thought you were.

You think you have so many logical but in truth reality detached answers. Once you start living and growing up a bit you will realise your life perceptions have a huge reality gap.

You need to get in check with a bit more actuality - you probably still dont even belive me that nurseries are over £49 a day; it just doesnt sit with your assumed social computations... But then you and your calculator mate havent really thought them through. If you carry on in this insular manner you will be left even further behind life...

Now (and how absurd will this be...) admit I am talking basic sense and jump of that horse - it is after all probably sharper than you...

[and that's my horse bolted, but ther comes a point...]

D xxx

imlach

Hardly worth dignifying your oh so patronising post with an answer Diesel

I have done a lot of living, am fully grown up, my life perceptions are based on harsh reality, and I checked in with actuality a long time ago.

Oh, and I only ever talk sense.

PS If there's one thing I've learnt in life is that the ones that have to resort to name-calling are generally at the classier end of the social spectrum

Redkop

This is degenerating into insults and is going nowhere - locked