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Sure this has been asked before but - what's the difference between a nanny and a c/m?(13 Posts)
Other than a nanny comes to your house and you go to c/m house?
You have to pay nannies tax and national insurance, a cm sorts this out herself. A cm will have more children (sometimes).
cm works in own home, and is self employed offering you a service for which you pay a fee, has to be registered and reglataed and inspected.
Nanny is working in your home and employed by you, does not at present HAVE to be registered, and isn't regulated or inspected.
cms are insured, trained, regulated and inspected by ofsted. they also sort out all the paperwork and pay their own tax and ni and they work in their home so no mess & wear and tear in yours. cms are often experienced parents and may have other little ones to socialise & be play mates with your child. a nanny has none of the above (unless you stipulate training, first aid etc and has no insurance) and you pay their tax and ni.
So you can't get tax credits for many nannies unless they are ofsted registered?
nope Monkeytrousers but it's a relatively easy process for a Nanny to get on the register, they have to pay though - or if it's so you can use tax credits/childcare vouchers then maybe you could pay as it benefits you in the long run?
if you look on Ofsted website it will have details.
as others have said
nannies are employed by yourself, you pay their tax and ni (on their behalf) and they are in your own home, and can look after as many children as they like (unless reg, then think mm will only insure up to 7)
cm are se, they look after children in their home, they can only have 3 under 5's
im a nanny, and think that different types of childcare suit different famillies, but 2 main plus's for nannies are that
nanny will come to house,andsort out everything,if you have a cm, you have to get yourself and children up,dressed and ready and then drop off
nannies will have ill children,many cm's dont as have other children to consider, so that is something to consider if your child is ill, can you time time off/find other childcare arrangements
nannies are gen more exp, but once you have 2 or more children , makes the cost worthwhile and prob if 3 cheaper to have a nanny then a cm
nannies will also do "nursery duties"
This can include all of your childrens wahing and ironing, their cooking and shopping, tidying and cleaning the rooms your children use and obviously structuring the day entirely to the needs of your family.
Can't afford to set anyone up in business. Will just get a c/m
You wouldn't be setting somebody up in business. You would be helping towards a nannies costs to register with Ofsted because you would benefit from the tax breaks.
You could also look for a Nanny that is already Ofsted registered. The voluntary register has been running since April 2007, so as time goes by, many more nannies that are looking for jobs will already be registered.
Is your Employee, you can tell them what to do.
A nanny comes to your home, for the hours you require.
You need to operate PAYE for a nanny - so deducting their Tax & NI, plus paying Employers NI. HMRC will send you a pack, and if you find it too difficult you can get a payroll company to do some of the work for you.
A nanny is paid in arrears... if paid monthly, then paid at the end of each month, which may be in line with how you are paid.
A nanny needs a spending kitty - for outings, activities etc.
A nanny is entitled to paid holiday - as the employer you have some say in when they take holiday.
A nanny cares only for your children.
In England, a nanny can be part paid vis Childcare Vouchers / Tax Credits if they are Ofsted Registered. This saves the employer money, thus the expectation is that the employer pays the annual fee (currently £103).
A nanny may do household tasks - such as children's washing.
A nanny's salary is based on a PER FAMILY rate - and you as the employer dictate that salary.
Is Self-Employed, you can't tell them what to do - they provide you with a service, which you have to fit around.
A childminder may have fixed opening times - and may not be able to accomadate certain pick-up times. You have to take your child to / collect from a Childminder.
A childminder is self employed so will dictate terms of contract. You will pay them as per that contract, usually a month in advance.
A childminder will bill you for outings/activities. Some childminders may include certain outings, such as a toddler group in their fees.
A childminder will tell you when they are on holiday and you have to work around it. They may or may not charge you when they are on holiday - depends on the terms of the contract.
A childminder can care for many children (within regulatory limits) - often of varying ages.
In England, a childminder must by law be Ofsted Registered. The childminder is responsible for paying this fee (it has historically been a lot less than the nanny fee, though that may change in future).
A childminder won't do your child's washing.
A childminder charges PER CHILD and sets their own prices.
There are bound to be lots more differences.
Monkeytrousers - think about what type of care you need. Consider the start/finish times, what days, if you want your child/children cared for on their own or in a group environment. Think about costs - a childminder is cheaper than a nanny if you have one child. A childminder is usually a little cheaper than a nanny if you have 2 children. If you have 3+ children, then a nanny tends to be cheaper.
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