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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think the amount of SMP is entirely unreasonable?

310 replies

SMPWTF · 13/08/2024 15:02

I knew the amount prior to TTC but only now at 6 months pregnant is it actually registering.

£184 a week, and it’s taxed. If it weren’t taxed the amount would be £736 for a 4 week month.

How is this even close to enough?

DH and I earn similarly, respected careers but we’ll never be millionaires. Our household bills for our small semi-detached home are just over one of our whole salaries.

I understand that in the ideal you’d save up for maternity leave, but in practice that’s difficult for most people. The start up costs for preparing for baby are very expensive. We have been lucky to have been gifted a lot of big ticket items but even so the costs still add up fast. I can’t imagine even trying to save anything for a second maternity leave if you’re paying childcare fees for your toddler - probably one of the reasons we’ll be one and done.

I don’t think working people should have to save for years per child they have. Nor do I think people should only have children if they can afford to live on one income, because then we create a society where only either end of the wealth spectrum find themselves in a position to start and grow families.

No wonder couples are having fewer or no children.

Why can’t women be paid at least 50% of their wage? So many companies offer 6-12 months full sick pay, so why are so many still reluctant to meet this offer for parental leave?

OP posts:
SMPWTF · 14/08/2024 20:48

Neurodiversitydoctor · 14/08/2024 20:43

It's great if your friend can afford that on maternity leave or while she has a pre-schooler or 2 in nursery. I couldn't neither could most of my contemporaries.

Similarly when I was working part time and they were school age, coffees out were a rare treat.

Did you read what I said? I said occasionally meeting for a coffee, holiday/trip every couple (2-3) years.

OP posts:
Neurodiversitydoctor · 14/08/2024 20:43

SMPWTF · 14/08/2024 20:36

Aww do you think? Funny, as I’m only describing the lifestyle my friend has (who is here with me agreeing). Glad typing that comment gave you a little boost though

It's great if your friend can afford that on maternity leave or while she has a pre-schooler or 2 in nursery. I couldn't neither could most of my contemporaries.

Similarly when I was working part time and they were school age, coffees out were a rare treat.

C0rdeliaChase · 14/08/2024 20:43

Spectre8 · 14/08/2024 20:39

Well social care is already means tested 🙄 so most people will be funding their own care until they reach a certain threshold tp be eligible. Not to mention the taxes you pay go towards funding adult social care so in a way it's only getting back something you have been paying towards anyway.

But why should social care be funded at all? If you can't afford to pay for your own care after a certain point, why should other taxpayers (clue - the children who you didn't want to fund) pay for your care?

NB This is not an opinion that I actually agree with, I'm just being facetious because of @BeaRF75 's ridiculous opinion.

Spectre8 · 14/08/2024 20:39

C0rdeliaChase · 14/08/2024 20:25

I hope you have the same attitude to your old age care? Why should other people fund your old age care when you didn't save for it yourself? You want care when you get old? You pay, or care for yourself.

Well social care is already means tested 🙄 so most people will be funding their own care until they reach a certain threshold tp be eligible. Not to mention the taxes you pay go towards funding adult social care so in a way it's only getting back something you have been paying towards anyway.

SMPWTF · 14/08/2024 20:36

Neurodiversitydoctor · 14/08/2024 19:59

Oh my love, I think parenthood might come as a bit of a shock.

Aww do you think? Funny, as I’m only describing the lifestyle my friend has (who is here with me agreeing). Glad typing that comment gave you a little boost though

OP posts:
C0rdeliaChase · 14/08/2024 20:25

BeaRF75 · 13/08/2024 16:12

Because there is no reason why other people should be paying for you to have a baby. You want a child - you pay. Or, at least, get a job where they offer a better contractual amount.

I hope you have the same attitude to your old age care? Why should other people fund your old age care when you didn't save for it yourself? You want care when you get old? You pay, or care for yourself.

theundomesticgoddess39 · 14/08/2024 20:14

SouthLondonMum22 · 13/08/2024 15:20

I think that enhanced maternity pay is reasonable for at least the first 6 months. I don’t believe companies need to offer it for any longer than that.

But then I’m a meanie who has babies in nursery.

Isn't the thinking behind offering enhanced maternity pay for longer because businesses want to attract and retain high quality staff though? The same as why businesses offer childcare vouchers etc? You want to make it attractive for people to work for you and to stay working for you.

BruFord · 14/08/2024 20:02

Hateam · 14/08/2024 19:56

I think many posters would happily sacrifice many small businesses for a few extra quid.

Entrepreneurship is very important though, and tomorrow’s large employers are today’s small businesses. Amazon started out in a garage, for example!

Not that I’m a huge fan of huge companies, but they often start small.

Neurodiversitydoctor · 14/08/2024 19:59

SMPWTF · 14/08/2024 19:00

Agree. If you’re working you should hope to be able to afford to meet a friend in a garden centre for a coffee, or go on holiday every couple of years at least. I don’t care what anyone says, that is normal life for the majority of people and isn’t really a luxury if you work hard and could ordinarily afford it when not on leave. So many posters with holier-than-thou attitudes to spending, as if they practice it themselves.

Oh my love, I think parenthood might come as a bit of a shock.

Hateam · 14/08/2024 19:56

BruFord · 14/08/2024 19:50

@YOYOK But how could a small business possibly offer a new parent one year on full pay and also pay someone else to cover their job?

I honestly don’t think most small business could, do you? They’d go under.

I think many posters would happily sacrifice many small businesses for a few extra quid.

BruFord · 14/08/2024 19:50

YOYOK · 14/08/2024 19:38

I agree with you but lobby employers instead of expecting the government to make up the shortfall. In a perfect world, women would get 1 year on full pay and high quality, highly subsidised childcare but we don’t live in a perfect world.

@YOYOK But how could a small business possibly offer a new parent one year on full pay and also pay someone else to cover their job?

I honestly don’t think most small business could, do you? They’d go under.

YOYOK · 14/08/2024 19:38

SMPWTF · 14/08/2024 18:58

State pensioners aren’t carrying around 25-40 year mortgage terms with crippling interest rates. Carers allowance is shit and could be better, same as jobseekers for those who are genuinely looking for work. Lots of people fall into that bracket who aren’t, though.

Women who are working and have trained hard for their careers shouldn’t face financial penalties or disadvantages over those who don’t have children.

It’s not about the women before us, it’s about the women who come after us. We either accept this as good enough now or we strive for better. It’s not a race to the bottom and your comment is quite regressive. I’m sure many of the ‘predecessors’ you speak about would agree that SMP hasn’t gone up fairly with inflation, what use is it being grateful for what they did 20 years ago. The world is different.

I agree with you but lobby employers instead of expecting the government to make up the shortfall. In a perfect world, women would get 1 year on full pay and high quality, highly subsidised childcare but we don’t live in a perfect world.

YOYOK · 14/08/2024 19:33

Worrywartandall · 14/08/2024 18:22

You’re right they shouldn’t be paid, they should be forced into poverty or abortions

This is emotional manipulation based on zero evidence. There is UC available and child benefit. People are acting like it’s only SMP which is disingenuous, at best.

Mel2023 · 14/08/2024 19:20

WannabeMeeeeee · 14/08/2024 00:25

If you don’t have help from family you take out a 0% credit card or loan and pay it back when in work.

I don’t understand the entitlement on this thread. It’s really strange that people don’t consider the need to save or borrow to bridge the gap in earnings… these financial instruments exist for this kind of purpose. Bizzare how you think the taxpayer should plug the gap after 6 months of full pay.

Enhanced maternity packages were hard fought for by women in their 50s/late 40s in the places I’ve worked in. Now the younger generation are complaining it’s not enough to get 6 months pay. So ungrateful

I don’t think the taxpayer should plug the gap after my 6 months of enhanced maternity pay. I would have gone back to work at 6 months pp if it hadn’t been for family. And then I no doubt would have been judged for putting my 6 month old in full time childcare. I think more employers should offer enhanced maternity pay if they can. Lots of big companies could afford to offer it but don’t. I feel for the women like me who, if I didn’t have enhanced maternity pay , would have been back at work when baby was 2-3 months old, he’d have gone in childcare full time at that age. We couldn’t have managed financially without doing that. I’m saying I am very very grateful for my enhanced maternity pay and recognise how much of disaster it would have been without it - and many others are in that situation. DH already worked full days and isn’t home until late evening after leaving early morning. He’s often on call over weekends and over night as well (as in has to be available to answer the phone/deal with enquiries etc). He’s salaried and this overtime is expected and part of his role, not paid extra for. Not sure where he’d fit a second job in doing that. And no, wracking up debt isn’t something I’d do lightly or quite frankly even consider. Each to their own but I’d take going back to work thank having that hanging over me.

WannabeMeeeeee · 14/08/2024 19:14

SMPWTF · 14/08/2024 19:00

Agree. If you’re working you should hope to be able to afford to meet a friend in a garden centre for a coffee, or go on holiday every couple of years at least. I don’t care what anyone says, that is normal life for the majority of people and isn’t really a luxury if you work hard and could ordinarily afford it when not on leave. So many posters with holier-than-thou attitudes to spending, as if they practice it themselves.

But if you want to sustain that lifestyle you need to save up and pay for it. You have a responsibility to chip in too, you can’t expect more than your already generous mat pay.

WannabeMeeeeee · 14/08/2024 19:10

SMPWTF · 14/08/2024 19:00

Find it very hard to believe this, sorry.

Well it’s true. I have two young primary age children. Just stopped paying childcare for youngest. I meant mum of young children rather than I’m young, but I am a millennial

WannabeMeeeeee · 14/08/2024 19:06

SMPWTF · 14/08/2024 18:58

State pensioners aren’t carrying around 25-40 year mortgage terms with crippling interest rates. Carers allowance is shit and could be better, same as jobseekers for those who are genuinely looking for work. Lots of people fall into that bracket who aren’t, though.

Women who are working and have trained hard for their careers shouldn’t face financial penalties or disadvantages over those who don’t have children.

It’s not about the women before us, it’s about the women who come after us. We either accept this as good enough now or we strive for better. It’s not a race to the bottom and your comment is quite regressive. I’m sure many of the ‘predecessors’ you speak about would agree that SMP hasn’t gone up fairly with inflation, what use is it being grateful for what they did 20 years ago. The world is different.

12 years ago is when my company policy changed - I benefited from it

I’m not regressive at all. I’m stating that maternity pay for employees is already generous as a recent recipient myself. It doesn’t need to increase because the couple have sufficient time to save and make up some of the difference/ reduce their expenses. If they need to borrow in the interim so be it.

That’s what I did and I don’t see the issue with borrowing short term - it’s my responsibility to put my hand in my pocket as I’ve already been given plenty by my employers and the taxpayer. I need to do my bit too (and my DH by taking on extra work).

SMPWTF · 14/08/2024 19:00

WannabeMeeeeee · 14/08/2024 19:00

I’m a younger mum myself with young kids so not sure what you mean?

Find it very hard to believe this, sorry.

OP posts:
WannabeMeeeeee · 14/08/2024 19:00

Oldermum84 · 14/08/2024 18:31

Oh another "back in my day" poster. Times have changed. We don't have it easy! (FYI I don't have regular coffees and last time I went abroad was 2 nights in Amsterdam 5 years ago).

I’m a younger mum myself with young kids so not sure what you mean?

SMPWTF · 14/08/2024 19:00

Oldermum84 · 14/08/2024 18:31

Oh another "back in my day" poster. Times have changed. We don't have it easy! (FYI I don't have regular coffees and last time I went abroad was 2 nights in Amsterdam 5 years ago).

Agree. If you’re working you should hope to be able to afford to meet a friend in a garden centre for a coffee, or go on holiday every couple of years at least. I don’t care what anyone says, that is normal life for the majority of people and isn’t really a luxury if you work hard and could ordinarily afford it when not on leave. So many posters with holier-than-thou attitudes to spending, as if they practice it themselves.

OP posts:
SMPWTF · 14/08/2024 18:58

WannabeMeeeeee · 14/08/2024 18:18

Basic maternity pay in this country (90% pay for 6 weeks up to 39 weeks of SMP) for employees is the most generous benefit I think we have though? Especially when you add in child benefit which you get soon after birth. Together that’s more than the state pension. It’s way more than carers allowance. Substantially higher than unemployment benefits. PIP is different because that’s calculated on actual costs of living with a disability.

On top of this, many women have enhanced pay up to 6 months full pay as many on here have said they’re getting. I’m struggling to understand why this is not enough when it’s already so generous?

I honestly don’t think you realise how good you all have it (including myself who had second child fairly recently). The women before us fought so hard to get enhanced maternity pay from employers. Why are you not more grateful to them- they didn’t get it but paved the way for us. I personally know women in their 50s who got my company to change their policy.

I think this just shows how entitled the younger generation are today- it’s all take take take. And I’m part of this generation. There’s no willingness to endure hardship and sacrifice coffees/ holidays/ discretionary spending. It’s quite sad really. We are soooo lucky compared to our predecessors… have some gratitude.

State pensioners aren’t carrying around 25-40 year mortgage terms with crippling interest rates. Carers allowance is shit and could be better, same as jobseekers for those who are genuinely looking for work. Lots of people fall into that bracket who aren’t, though.

Women who are working and have trained hard for their careers shouldn’t face financial penalties or disadvantages over those who don’t have children.

It’s not about the women before us, it’s about the women who come after us. We either accept this as good enough now or we strive for better. It’s not a race to the bottom and your comment is quite regressive. I’m sure many of the ‘predecessors’ you speak about would agree that SMP hasn’t gone up fairly with inflation, what use is it being grateful for what they did 20 years ago. The world is different.

OP posts:
NeverDropYourMorayCup · 14/08/2024 18:44

WonderingAboutBabies · 13/08/2024 16:14

It is absolutely sickening. I'm currently 20 weeks and saving up so, so hard for my mat leave. I earn about 3x my DH, so we're going to find things very tough when I go on mat leave. The £184 a week is less than I earn in a day at the moment!! I am lucky enough to work for the NHS so I have a reasonable mat pay package, but even then, it's about a 2/3 drop in my salary.

Well the question here is why aren't you doing shared parental leave, so you go back at 6 months to your higher paid role and your lower paid partner takes 6 months off on SMP.

Oldermum84 · 14/08/2024 18:31

WannabeMeeeeee · 14/08/2024 18:18

Basic maternity pay in this country (90% pay for 6 weeks up to 39 weeks of SMP) for employees is the most generous benefit I think we have though? Especially when you add in child benefit which you get soon after birth. Together that’s more than the state pension. It’s way more than carers allowance. Substantially higher than unemployment benefits. PIP is different because that’s calculated on actual costs of living with a disability.

On top of this, many women have enhanced pay up to 6 months full pay as many on here have said they’re getting. I’m struggling to understand why this is not enough when it’s already so generous?

I honestly don’t think you realise how good you all have it (including myself who had second child fairly recently). The women before us fought so hard to get enhanced maternity pay from employers. Why are you not more grateful to them- they didn’t get it but paved the way for us. I personally know women in their 50s who got my company to change their policy.

I think this just shows how entitled the younger generation are today- it’s all take take take. And I’m part of this generation. There’s no willingness to endure hardship and sacrifice coffees/ holidays/ discretionary spending. It’s quite sad really. We are soooo lucky compared to our predecessors… have some gratitude.

Oh another "back in my day" poster. Times have changed. We don't have it easy! (FYI I don't have regular coffees and last time I went abroad was 2 nights in Amsterdam 5 years ago).

Oldermum84 · 14/08/2024 18:26

ABirdsEyeView · 14/08/2024 18:15

I do think we as a society could do a lot to help women by state subsidy if good quality childcare for families, so that woh or sah are genuine choices, not forced by cost and circumstance.
Maybe we could do something at the tax end for sahp or workers who aren't taking up a limited childcare place, idk. I feel like there's lots which could be done to assist women and even up the sexes a bit, but doesn't make it an expense that employers directly gave to cover .

Agreed! 👍

Oldermum84 · 14/08/2024 18:25

BruFord · 14/08/2024 18:22

Oh and to add if women are forced (under your scheme) to go back to work full time after 6 months, to have had maternity pay, most would just not do it. Meaning either they won't have children at all this a declining population and the economic disaster this would bring, or they would all quit their jobs and claim benefits.

@Oldermum84 I’m not sure whether that would happen if paid maternity leave was capped at 6 months. Maternity provisions in the US, for example, are appalling-if you get 3 months’ paid leave you’re considered lucky. Yet birth rates in the UK and US are roughly equivalent. I think people would adapt to 6 months especially if it were better paid.

@BruFord I was referring to the PP saying women should be forced back to work full time after 6 months, not capping maternity pay at 6 months. Yes a better paid 6 months would probably be equivalent to a poorly paid 9 months (as is current) so I agree.

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