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SAHM not knowing if they get child benefit, is this usual?

(36 Posts)
HmmIDontKnow Thu 28-Jul-16 23:00:45

Had a conversation with someone recently, I can't remember how the subject came up but we were talking about benefits and she was saying she didn't claim any. I mentioned child benefit and I was surprised when she said she has no idea if they get it or not. She is a SAHM, I assumed the primary caregiver (mum in most cases) got the child benefit but maybe I'm wrong. But to not even know if they get it is a bit odd right? It seems that she doesn't have access (or maybe just doesn't look) at the bank account? DP and I don't have joint accounts so our finances are done differently, if you have a joint account with your DP/H and you don't work, do you have free access to it?

Vipermisnomer Thu 28-Jul-16 23:07:23

Perhaps she just thinks it is non of your business?

Twowrongsdontmakearight Thu 28-Jul-16 23:08:25

When I was a SAHM I had complete access to finances.

Nowadays I think you only get child benefit if neither parent earns more than c.£50k. (Two parents on less than that eg £49k each still get it). Not sure of the exact upper limit. So having a SAHP is a disadvantage in that case. If one of you is over the threshold you can choose to receive it and pay it back in tax or just refuse it.

In your friend's case I suspect her DH earns above the threshold so they don't get it. She's probably never thought to check.

Hockeydude Thu 28-Jul-16 23:10:15

Her dh could have filled in the form when the child was born and have it paid into a joint account which your friend might not monitor. Or he could earn over the threshold and not get it.

Or she thinks it's noyb!

TheUnsullied Thu 28-Jul-16 23:11:35

From how you've written it here it looks like she may have decided you were being a bit too nosey...after all, the answer to the digging about CB would give you an idea about their income. May not be the case of course but it reads that way.

glueandstick Thu 28-Jul-16 23:13:38

Perhaps she doesn't want to disclose that her husband earns more than 50k.

navylily Thu 28-Jul-16 23:13:41

She probably doesn't get it if her DP earns over £60k.

quicklydecides Thu 28-Jul-16 23:14:04

She thinks you are too interested in her personal business so she tried to get you to stop asking her questions.
So now you are asking strangers instead.

chaserubbleandskye Thu 28-Jul-16 23:16:23

Yeah I think it's a bit odd to discuss benefits you do or don't get tbh in general as a topic of conversation

hotdiggedy Thu 28-Jul-16 23:19:07

Yep, it was her way of telling you politely to mind your own business.

HmmIDontKnow Thu 28-Jul-16 23:20:27

Oh fgs, it wasn't like that at all, it wasn't a case of she thought it was none of my business. It was a general conversation we were having and she was the one who brought it up, I wasn't digging into their finances. I was surprised that she didn't even know, and she would have said as she said before they don't get tax credits.

LunaLoveg00d Thu 28-Jul-16 23:21:57

We used to get it but don't any more. We were never dependent on it - watching the bank account to see when it was paid. I don't look after the finances in this house, I have other things I'm in charge of. So had you asked me about 10 years ago, I would have known we got CB, but wouldn't have known how much and whether it was paid weekly, monthly or quarterly.

Agree with others though that your friend was telling you to keep your nose out.

HmmIDontKnow Thu 28-Jul-16 23:28:38

My friend was NOT telling me to keep my nose out!

I wasn't nosing, I wasn't even asking. SHE mentioned it herself, NOT me.

My question was is it unusal to not even know? Not jump to conclusions that's I was nosing in other people's finances!

hotdiggedy Thu 28-Jul-16 23:32:25

Well they must have plenty money if she doesnt know.

Oliversmumsarmy Thu 28-Jul-16 23:33:30

Actually you do get it if one person earns over £60k. It is taxed though.

ExitPursuedByABear Thu 28-Jul-16 23:36:13

A friend of mine was surprised that we are still entitled.

beenaroundawhile Thu 28-Jul-16 23:36:19

But to not even know if they get it is a bit odd right? It seems that she doesn't have access (or maybe just doesn't look) at the bank account? DP and I don't have joint accounts so our finances are done differently, if you have a joint account with your DP/H and you don't work, do you have free access to it?

I see three questions there, one of which is asking if it's odd not to know and two of which are nosing into other people's finances.

AyeAmarok Thu 28-Jul-16 23:36:54

I reckon she was just being vague because she didn't want to tell you what her husband earns.

If it goes into his account and he transfers money to her then she also may genuinely not know.

hilbil21 Thu 28-Jul-16 23:37:09

If you earn between 50k and 60k its taxed at 10 percent for every thousand. If you earn over 60k you don't get it. I am a SAHM and I have access to our joint account. We don't rely on it ... My OH earned just under £53000 last year so we have to give £268 of it back by end of January. I don't mind giving a little back as I know my OH earns a fair amount. What annoys me is if both he and I earned £49000 each we could keep it all!

WordGetsAround Thu 28-Jul-16 23:37:59

If the highest paid person in the household gets £60k+ it is taxed at 100%, so it's disingenuous to say you still get it.

WordGetsAround Thu 28-Jul-16 23:39:15

(That was to Oliversmum)

Message withdrawn at poster's request.

KingJoffreyLikesJaffaCakes Thu 28-Jul-16 23:41:07

Talking about money is soooo cringey. I'd say the same as her.

Why did you want to know?

DailyFaily Thu 28-Jul-16 23:45:51

My OH wouldn't be able to tell you whether we get CB (we do) - I deal with all of our finances, I don't think it's particularly odd.

ExtraHotLatteToGo Thu 28-Jul-16 23:47:34

I think it's odd not to know, but some women people are like that & have no interest in their finances if someone else is ''sorting it out'. Or her DH gives her 'a house keeping allowance' and is very controlling.

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