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To be gutted that I won't be getting tax credits for 3rd child?

(878 Posts)

MNHQ have commented on this thread.

GutenTag Sat 30-Jul-16 07:24:50

I'm just wondering what people's opinion is really.

We are trying for a 3rd child and I won't be getting any tax credits for this child as the government has changed the rules so that from next year tax credits are only paid for up to a maximum of 2 children.

I currently receive around £1k of TC for the kids and I would have received £4k for the 3rd if the government hadn't made the changes.

That would have meant an extra £250 a month. It's a lot of money for us. My DH works and I'm a SAHM. We have a £100k mortgage on a small house in a deprived area of town. We get by. We don't have much money left each month and I need to save literally for everything. I'm really really gutted. I really wanted 3 kids and this has meant that I'll be financially alot worse off now.

Of course I don't expect the government to "pay" for my children but it would have really helped, that's all. It would have eased the pressure off.

Just for the record we have never received any other benefits apart from JSA when DH was made redundant last year which was a godsend as we would have been homeless otherwise.

Do you think AiBU to feel/ think like this?

StillStayingClassySanDiego Sat 30-Jul-16 07:28:10

There's nothing wrong with feeling pissed off but you have to now deal with the fact that you aren't getting any tax credits if you have s third child.

Don't have a third baby if it's financially difficult for you as a family.

insancerre Sat 30-Jul-16 07:28:30

Okay, I'll bite
Don't have more children if you can't afford them

fuckyoucanceryoucuntingknob Sat 30-Jul-16 07:29:12

Message withdrawn at poster's request.

Lemonwords Sat 30-Jul-16 07:29:27

But you are expecting the tax payer to pay. Already subsidising your first two.


blueteapot Sat 30-Jul-16 07:29:33


Gatekeeper Sat 30-Jul-16 07:29:37

Yep, why on earth are you trying for another baby when you aren't comfortable moneywise now with two.???!!

lovelyupnorth Sat 30-Jul-16 07:29:49

Sorry but why should everyone be paying for something most can't afford. You could get a part time job.

Dutchcourage Sat 30-Jul-16 07:29:57

Well you can't afford another child can you?

YoungGirlGrowingOld Sat 30-Jul-16 07:30:01

I think YABU. You are not even pregnant yet. If 4k makes such a difference, stick with 2 kids. Or find a WOTH job. There are many people that do.

And in a climate of cutbacks, no I don't think "wanting 3 kids" makes you more entitled to help than a disabled person or a child in care. If money is scarce then I would rather it was prioritized for those in genuine need.

ThroughThickAndThin01 Sat 30-Jul-16 07:31:25

This has to be a wind up.

But yes OP Yabu.

Either stick to the two dc you can afford or give up the luxury of being a Sahm when you have your third. The state shouldn't pay for it.

PuppyMonkeyBaby Sat 30-Jul-16 07:31:27

YABU. Them's the rules - take 'em or leave 'em.

JacquettaWoodville Sat 30-Jul-16 07:31:50

It's NBU to feel sad about the change, of course.

Lots of benefits and services have been cut though for children and adults who are "already here" and at least you are in a position to decide if you can still afford child 3 as you aren't yet pregnant.

BikeRunSki Sat 30-Jul-16 07:33:00

These changes were well publicised.
You'll not be the first person in the world to not be able to afford the family you wanted.

fuckyoucanceryoucuntingknob Sat 30-Jul-16 07:33:09

Message withdrawn at poster's request.

honeysucklejasmine Sat 30-Jul-16 07:33:14

Sometimes we don't get what we want. If you can't afford a 3rd child, don't have one.

MmmMalbec Sat 30-Jul-16 07:33:17

I can see why you might feel annoyed that you're no longer going to get the extra money. BUT, there's an obvious solution in just not having more children. 2 kids is plenty and I wholeheartedly agree that the government should not be giving money to people to have more kids than they can afford. Sorry OP but I think you're going to get some stick here!

AgentProvocateur Sat 30-Jul-16 07:33:25

I really wanted four kids. But I couldn't afford it so I stopped at two. And you are expecting the Government (aka all of us who are paying tax) to "pay" for your children biscuit

Elllicam Sat 30-Jul-16 07:33:33

£4K a month or a year? Is that a typo? We don't get tax credits, we get the other one (child benefit?) but it's only something like £11 per week for the 2nd and 3rd children.

WinterIsHereJon Sat 30-Jul-16 07:33:49

If you can't afford a third you shouldn't have one; it will compromise the opportunities of the two you already have as much as anything else. Which is unfair. I would love a third, but it didn't occur to me to include tax credits as income when we looked at our budget and decided it wasn't an option at the moment.

SummerSazz Sat 30-Jul-16 07:34:22

Dh and I both need to work to pay for our dc so we do. Easy really confused

MsJamieFraser Sat 30-Jul-16 07:34:24


if £250 a month means alot to you then get a job that enables you to bring that income in, be it working from home or other employment.

fuckyoucanceryoucuntingknob Sat 30-Jul-16 07:34:53

Message withdrawn at poster's request.

ipswichwitch Sat 30-Jul-16 07:35:39

I really wanted a third DC. We both work and pay a small fortune in childcare clench month. Having a third child would be financially impossible since money is already tight now. We dont qualify for tax credits or any other help, and since I'm not getting any younger, can't be waiting until both DC are at school to try for a third baby so that plan is out the window. Yes it's a shame, but I have to suck it up and accept that reality - we cannot have more children we can't afford.

christinarossetti Sat 30-Jul-16 07:35:47

I get where you're coming from. It's similar to being gutted that you can't afford to buy a place and are looking at renting forever, whereas you would have been able to 20 years ago on the same income..

They're the circumstances. Fair enough to wish things were as they once were, though not necessarily sensible to act as though they are

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