Loss of childcare.. another blow

  • Thread starter Thread starter vkurup
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As long as those that are getting 'fed up' about how the 'system' is panning out against them are also contacting their MP and advising him/her of their displeasure I am quite happy to listen to their discontent on here or anywhere else for that matter... Let the buggers know... If for no other reason to have a good laugh at their usually predictable responses...
 
MegaSteve said:
As long as those that are getting 'fed up' about how the 'system' is panning out against them are also contacting their MP and advising him/her of their displeasure I am quite happy to listen to their discontent on here or anywhere else for that matter... Let the buggers know... If for no other reason to have a good laugh at their usually predictable responses...
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I have my MP's E mither address in my contacts list. I've never yet had a satisfactory response, but I do enjoy the very high quality of headed paper that those responses come on.
 
JustOne said:
Don't want this to seem like it's 'pick on Rooter day' but if that's the arguement you put forward then send your wife out to work like your neighbours have done. Sorry but I don't buy it.
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I have not stated anywhere i am unhappy about personally losing the benefit (i have mentioned its a pain etc, but accept it). My problem is how its been done and the fact where dual income families whom earn more than my household income still benefit from it. It should be based on both couples income, that is my issue.

For my wife to go back to work full time, we would have to spend circa £2200 per month in private childcare (my kids are all under 5) so financially and personally for them, we are better off with my wife at home.

EDIT - I have just emailed my Tory MP to get his views on the structure of the thresholds and the single Vs combined income debate.
 
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Rooter said:
For my wife to go back to work full time, we would have to spend circa £2200 per month in private childcare (my kids are all under 5) so financially and personally for them, we are better off with my wife at home.
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We had a similar conversation at our place... so we realised we cannot afford another nipper. Wife gone back part time. If the middle class thinks that way, the bulk of the next generation of kids are going to come from the super rich or from the other side.
 
Rooter said:
Ok for arguments sake I earn £61k a year, my wife does not work, but my next door neighbors who both work and earn £48k a year EACH will get the benefit... that's what grates me...
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Why does that grate you? So what if they do? It is only an issue if you feel like you want to get the benefits too. My advice would be to work harder, earn more and move house. Get some new neighbours!

There will always be some people that are at the threshold of every means tested benefit.

This is a red herring though. My opinion is that it is a choice to have children or not. If you can't afford to look after them within your means, based on the lifestyle you choose then don't have kids. The state should not pay someone just because they have made a baby.
 
vkurup said:
Sorry mate... that would be Nuts of the world reporting style.. or shall I say Out of context.

Dont have an issue with the CB being cut, it is all the other things around it (people milking the sys)+ the fact that fuel & rail are going up next year, that it is getting v v difficult to maintain standard of living.

Or as bluewolf mentioned.. it's easier to punish the middle classes than it is to ask Costa Coffee to pay their tax.
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If luxuries need to give then so be it they are luxuries after all, I'd be surprised if someone earning £60k was on the breadline.
 
Rooter said:
I have not stated anywhere i am unhappy about personally losing the benefit (i have mentioned its a pain etc, but accept it).
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I noticed, like I said it's not pick on Rooter day but I didn't agree with that argument you put forward. :thup:

As Snelly points out there will always be people that fall on the cut off point who will either be lucky or unlucky. I tend not to look over my neighbours fence to see how much they've got, earn, or whether only one of them or both leave for work....

.....although that might be a result of me plain and simply being poor :D
 
I guess that it all boils down to whether you think that having children is a "right" or a "luxury". We considered all the cost implications before deciding to have a second child. We decided we could afford it, therefore we went ahead. However, we appear to live in a society in which children are viewed as a "right".
 
MegaSteve said:
...contacting their MP and advising him/her of their displeasure...
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Yes, let's all contact our MPs and they'll sort it all out for us. Have you never seen The Thick Of It or Yes Minister ?

While we're at it let's get the MPs to change international law so that Costa Coffee/Vodafone/Amazon etc pay their Corp Tax here instead of in Luxembourg. Surely they could do that for us although Nadine Dorries might be struggling to find the time: http://www.newstatesman.com/politic...we-be-paying-nadine-dorries-while-shes-jungle
 
I unsure why some people think that anyone earning £60k is some kind of super rich person with a millionaire lifestyle

After tax and NI, that £60k has reduced to £40K or £3333 a month,Still substantial but then lets look at all the outgoings for a typical family of 4

Mortgage/Rent £1000, Food £700, Council Tax £200, Utilities £300, Insurance Life & Buildings) £200, Car costs,( Tax, Insurance Petrol Service) £250, Just that is £2700 and thats without including any golf, Holidays, school trips, entertainment, if you have a student at uni its even worse,

So lets get away from the idea that taking away child benefit is easily absorbed by a high earning family,

In our case its a double wammy, Our eldest has just gone to Uni, so Child benefit has stopped for her, but im having to payout £600 per term for her Student Hall ( the rest is on a student loan) and also £75 a week for her food.

Might have to go and sell my body

Fragger
 
PhilTheFragger said:
I unsure why some people think that anyone earning £60k is some kind of super rich person with a millionaire lifestyle

After tax and NI, that £60k has reduced to £40K or £3333 a month,Still substantial but then lets look at all the outgoings for a typical family of 4

Mortgage/Rent £1000, Food £700, Council Tax £200, Utilities £300, Insurance Life & Buildings) £200, Car costs,( Tax, Insurance Petrol Service) £250, Just that is £2700 and thats without including any golf, Holidays, school trips, entertainment, if you have a student at uni its even worse,

So lets get away from the idea that taking away child benefit is easily absorbed by a high earning family,

In our case its a double wammy, Our eldest has just gone to Uni, so Child benefit has stopped for her, but im having to payout £600 per term for her Student Hall ( the rest is on a student loan) and also £75 a week for her food.

Might have to go and sell my body

Fragger
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Cut your cloth!

Simple.
 
The 2 people earning £49K each is a bit of a weird one as their tax contribution to the state is much higher than 1 person earning £60k + (up to a point).

I imagine some people on "high" income (£60k+) budget for the child benefit, the question would be what else are they spending their money on where, on that level of salary, they are reliant on £120 or so a month to get by? As craw says there are ways to adjust your finances to negate the impact.

We "lose" it (still paid to my wife but my tax adjusted) and I have no problem with that, in principle. The problem is the way benefits are distributed that frustrates me but that is a much wider debate, but it does lead to some of the anger felt at the loss of child benefit I feel.
 
Sensible posts from Philthefragger and NWjocko. However, can i just question £700 a month on food for a family of 4??!! What are you eating? Caviar encrusted swan? My family of 5, we spend £300 a month on food and stuff (ie cleaning crap, supermarket shopping..)
 
PhilTheFragger said:
Mortgage/Rent £1000, Food £700, Council Tax £200, Utilities £300, Insurance Life & Buildings) £200, Car costs,( Tax, Insurance Petrol Service) £250, Just that is £2700 and thats without including any golf, Holidays, school trips, entertainment, if you have a student at uni its even worse,
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Fragger some of those costs you've quoted are bonkers. £300 a month for utilities! £200 a month for life and buildings insurance!!! Sorry don't buy it. We can't complain about the faltering economy and not expect cuts in expenditure. I remember the mad £250 for every child to open a savings account. What a crock of nonsense that was. And to be perfectly honest the fact this conversation is taking place on a golf forum of all places is laughable.

We've just had our second child but we waited until I changed jobs because we couldn't afford it and the standard of living we wanted on my old salary. I'm with snelly and craw on this one plan to pay for your family yourself and if things change cut your cloth accordingly. Our family, our responsibility.
 
PhilTheFragger said:
I unsure why some people think that anyone earning £60k is some kind of super rich person with a millionaire lifestyle

After tax and NI, that £60k has reduced to £40K or £3333 a month,Still substantial but then lets look at all the outgoings for a typical family of 4

Mortgage/Rent £1000, Food £700, Council Tax £200, Utilities £300, Insurance Life & Buildings) £200, Car costs,( Tax, Insurance Petrol Service) £250, Just that is £2700 and thats without including any golf, Holidays, school trips, entertainment, if you have a student at uni its even worse,

So lets get away from the idea that taking away child benefit is easily absorbed by a high earning family,

In our case its a double wammy, Our eldest has just gone to Uni, so Child benefit has stopped for her, but im having to payout £600 per term for her Student Hall ( the rest is on a student loan) and also £75 a week for her food.

Might have to go and sell my body

Fragger
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Oh me sides!! You're killing me...

The high earning family has chosen to spend their money on what can only be described as an expensive lifestyle. You chose your mortgage, which in turn means you chose your Council TaxAfter you've taken the CB off your income its gone down by less than £1k. Maybe you should have planned for that, and your child going to uni. After all, you knew it was coming.

Can you tell me the difference between someone on the minimum wage getting every benefit going and someone on £60+k grabbing what they can? In my view the guy on minimum wage has little choice but you...

Try putting 4 thro' uni on half that...
 
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