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Carers allowance and working help please

(20 Posts)
lisad123everybodydancenow Wed 02-Jan-13 22:00:43

Message withdrawn at poster's request.

Dev9aug Wed 02-Jan-13 22:34:26
lougle Wed 02-Jan-13 22:39:32

Notify them here

You can deduct:

Tax
NI
½ of any pension contributions
up to ½ of your income in childcare expenses.

I don't think you'll make it sad

£141 + £58.45 = 199.45
Tax is £6.72
NI £6.41
Pension (guessing at 5%) is £9.97, but you can only claim £4.99
Childcare £17.50

So

£199.45
- 6.72
- 6.41
- 4.99
- 17.50
_______
£105.38

So, you either need to be spending an extra £5.38 on your childcare (at least) or earning £6 less.

lisad123everybodydancenow Wed 02-Jan-13 22:52:19

Message withdrawn at poster's request.

lisad123everybodydancenow Wed 02-Jan-13 22:52:51

Message withdrawn at poster's request.

lougle Wed 02-Jan-13 23:00:22

They won't count the carers, but without the carers you wouldn't pay any tax, so you'd still be in the situation of:

£141
-4.99 (half of pension)
-17.50
____
£118.51

The child care costs allowance is any of your children under the age of 16, but only up to ½ of your wage (so £70).

lougle Wed 02-Jan-13 23:00:59

In the first sum, i did take out the carer's allowance again, I just forgot to type it.

DeafLeopard Wed 02-Jan-13 23:04:05

Childcare for any child IIRC.

You also need to think about if childcare will be higher in school holidays as this will put your average cost up.

Tis shit that carers (who have limited employment options) can end up missing out on CA for the sake of a few quid - would make more sense if it was a sliding scale, rather than losing the whole lot.

lisad123everybodydancenow Wed 02-Jan-13 23:05:19

Message withdrawn at poster's request.

lisad123everybodydancenow Wed 02-Jan-13 23:06:48

Message withdrawn at poster's request.

lougle Wed 02-Jan-13 23:15:57

Ok, well let's break that down, then:

Income
Wage: £141
CA : £ 58.45

Total: £199.45

Outgoings
Tax (on total income) 6.72
NI (on total income) 6.41
Pension (on wage only, 5%) £7.05
½ of Pension £3.53
Childcare DD2 £17.50
Childcare DD1 £12.50

Total outgoings: £46.66

Income-outgoings: £94.36

So that should be fine.

lougle Wed 02-Jan-13 23:17:38

However, I don't know how you'd declare it in that way, and i'd phone them first, because without the Tax and NI, your deductions only take you down to £33.53, giving you a residual wage of £107.47 confused

lisad123everybodydancenow Wed 02-Jan-13 23:17:42

Message withdrawn at poster's request.

DeafLeopard Wed 02-Jan-13 23:18:02

Totally agree Lisa - I work when DS is at school, so still do the caring, lose out on a nights sleep etc, meanwhile my job (albeit very part time) hangs by a thread as I am always being called to collect him after a meltdown / taking him to appts etc, and if I work another 3 hours a week, then I am £58 worse off

lisad123everybodydancenow Wed 02-Jan-13 23:20:19

Message withdrawn at poster's request.

Dreamstosell Thu 03-Jan-13 08:30:42

You're working only term time. Are you being paid only in term time or are your wages divided equally over 12 months to give you a regular monthly wage? If they're not then it might be worth asking if that was an option as that would effectively reduce your wage and allow you to keep carers. Of course this would not help if you are able to claim income support in the holidays.

chocjunkie Thu 03-Jan-13 08:57:39

lisa, I am working and after deductions I was a couple of pound over the £100 threshold. I increased my pension contributions to bring me just under the £100 threshold. maybe an option you can look into?

starfishmummy Thu 03-Jan-13 09:26:47

What Dreams says - if you just work term time, you may be able to have your wages averaged over the whole year, which is what I do.

lisad123everybodydancenow Thu 03-Jan-13 09:39:44

Message withdrawn at poster's request.

chocjunkie Thu 03-Jan-13 09:50:23

then just increase your pension - you will be able to still get carer's and at the same time you can save up more for your pension.

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