Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Cleaner who works 6 hours per week preferring cash in hand weekly - holiday pay? Is this a thing?

135 replies

Catwhispereroo · 26/06/2025 18:14

Hi, we have a cleaning lady who is generally lovely. She comes for 6 hours per week, £20 per hour, so £120 per week. She always prefers cash in hand weekly.

Today she asked if we will pay her 4 weeks holiday pay as, according to her, 'everyone else does.'

I had a think about it, but have had to tell her this is not possible. I feel bad though. AIBU?

My reasoning is -

  1. A cleaner is already quite a luxury, as I'm no longer working.

  2. We have had lots of cleaners over the years and all preferred cash and none ever asked for holiday pay for cash in hand work.

  3. I don't want the hassle of a contract setting out holiday pay or sickness pay (will that be next)? We are a just a private household, not a company.

  4. I will give her a few weeks pay as a Xmas bonus anyway.

  5. She seems to go abroad for a month each year. If we gave her 4 weeks pay, that would be almost £500. Then, if I got a replacement cleaner in for those weeks, that would be another £500!

  6. When we go away I'm happy for her to come as usual (even though we don't really need this) so that she doesn't lose out financially. But I can't pay 4 weeks holiday as week.

Again, AIBU? Thanks!

OP posts:
New posts on this thread. Refresh page
queenofthesuburbs · 28/06/2025 00:03

I pay mine when I go on holiday ( because that’s my decision to go away and she shouldn’t lose out) , but I don’t pay when she goes away ( usually for 3 weeks). I give her a week’s pay as a Christmas present.

Anotherscrubber · 27/06/2025 13:51

Foolsgold74 · 27/06/2025 12:30

Yes, that's right. I'm a cleaner and if I'm away, I certainly wouldn't expect any of my clients to pay me.
That said, one of my clients recently said that they didn't want me for 2 weeks. They weren't going away. No acknowledgement that I'm now losing 2 weeks pay out of the blue. It's left a bitter taste in my mouth and they're on the brink of becoming ex-clients.

Well that was something I had to factor in to my thought process when I set up my cleaning service. I don't want to guiilt people in having me all the time, not when they pretty much want me all year round. This said, I have people queing up for a cancellation for extra cleaning, so I can easily fill a gap.

Foolsgold74 · 27/06/2025 12:30

Newblackdress · 27/06/2025 08:56

Isn’t holiday pay when the cleaner is on holiday? A retainer would be when the householder doesn’t need cleaning but pays anyway.

Yes, that's right. I'm a cleaner and if I'm away, I certainly wouldn't expect any of my clients to pay me.
That said, one of my clients recently said that they didn't want me for 2 weeks. They weren't going away. No acknowledgement that I'm now losing 2 weeks pay out of the blue. It's left a bitter taste in my mouth and they're on the brink of becoming ex-clients.

HoskinsChoice · 27/06/2025 11:43

Biker47 · 27/06/2025 10:11

She doesn't have any responsibility that she needs to absolve of, they're fine to pay cash if that's what the cleaner wants, it's up to the cleaner to make sure she's declaring it correctly, not the OP.

She said that she knows her cleaner isn't declaring it, so as a bare minimum, there is a moral responsibility. I wouldn't employ or be complicit in open tax avoidance, fraud and screwing over tax payers.

Biker47 · 27/06/2025 10:11

HoskinsChoice · 26/06/2025 18:52

Why are you paying her cash? You are potentially facilitating fraud and screwing over public services and people who rely on benefits to survive. Make sure every penny goes through her bank account by paying her electronically so that you can absolve yourself of any responsibility.

She doesn't have any responsibility that she needs to absolve of, they're fine to pay cash if that's what the cleaner wants, it's up to the cleaner to make sure she's declaring it correctly, not the OP.

GertrudePerkinsPaperyThing · 27/06/2025 09:23

DameDiazepamTheDramaQueen · 27/06/2025 08:02

I'd want cash too as a cleaner,people are shocking at 'forgetting' to go to the cash point.

Sorry I don’t understand this - surely if people are shocking at forgetting to go to the cash point, then a standing order would be the way to go?

GertrudePerkinsPaperyThing · 27/06/2025 09:22

itsgettingweird · 26/06/2025 18:31

I’d tell her you are more than happy to draw up a contract etc and she can accrue AL.

Then mention that means her tax and NI will come off her earnings and her AL will need to be applied for and as with all business it will be approved if it works for you and actually her having her AL whilst you’re away would be excellent for you!

Once she sees she can’t have her cake and eat it she will likely return to the status quo!

This - if she wants to be an employer she’ll have to be one!

tammienorrie · 27/06/2025 09:17

There are so many reasons someone wants cash and it’s not just about dodging tax! Our cleaner comes to us on a Wednesday morning, she does one other short job after and is finished by 2 so that’s her chance to do supermarket shopping before getting her kids at 3. And she prefers to have cash to do that. I have no reason to think she is not paying tax - in fact she definitely was during the pandemic as she claimed the self employment support and needed evidence to do that.

Newblackdress · 27/06/2025 08:56

PeppyDenimReader · 26/06/2025 19:49

Holiday pay is also called a retainer.

Isn’t holiday pay when the cleaner is on holiday? A retainer would be when the householder doesn’t need cleaning but pays anyway.

DameDiazepamTheDramaQueen · 27/06/2025 08:02

GrimDamnFanjo · 26/06/2025 18:27

Cash in hand? I’d suggest if she wishes holiday pay then she should run her business legally.

I'd want cash too as a cleaner,people are shocking at 'forgetting' to go to the cash point.

NewAgeNewMe · 27/06/2025 07:56

I have had a cleaner for years and I don’t work but am disabled. I pay my cleaner cash in hand. But I know she declares it as a relative of mine is her accountant. (She asked if I knew anyone).

We pay her if we are away but not if she is. Cash bonus and present at Christmas.

WaltzingWaters · 27/06/2025 07:52

No. The wage she sets herself reflects the lack of holiday and sick pay.

Katemax82 · 27/06/2025 07:40

PeppyDenimReader · 26/06/2025 19:53

Anyone else surprised OP needs 6 hours a week and doesn't work herself

I could do with it and I don't work

Katemax82 · 27/06/2025 07:39

Catwhispereroo · 26/06/2025 18:27

Thanks, yes this is what I thought.

Occasionally in the past, I've used cleaners from an agency, as a one off or something like that. I explained to her that they will be getting holiday pay, but they will be on contracts!

Even agency cleaners don't get holiday pay as they are self employed (mostly)
I had one client pay me £20 when they went away once (i earned £30 a week doing 2.5 hours there) but that was their choice and I didn't expect it

HoskinsChoice · 27/06/2025 07:12

I was joking, calm down! I don't for a minute think the police will be reading mumsnet. However, your morals really need questioning. Are you happy with the quality of the NHS? Do you think our schools are well funded? Do you think that people with severe disabilities who cannot work and rely totally on benefits are living a comfortable life? Because if your answer to any of them is 'no' then take a look at yourself as you are part of the problem.

And no, small businesses don't all fiddle their taxes! Most people are more honest and have a considerably higher moral standing than you do from your gutter level thinking. It's no wonder this country struggles!

akkakk · 27/06/2025 07:11

IamtheDevilsAvocado · 27/06/2025 05:16

So presumably if you're paying holiday pay/sickness... You're employing them rather than contracting them?

I bank transfer my dad's cleaner 20 ph - she's self employed. Equally she has her own insurance for her business.

No - and this is where there is misinformation being spread above.

I simply pay an agreed monthly amount equivalent to 52 weeks x 5 hours x hourly rate / 12.

I then allow them to take time off from that / flex the hours / occasionally be ill / ie be humans! I value them as people not as a mathematical transaction…

sure that can be seen as one indicator amongst others that I am employing them, but is not the only one, nor the main one.

The most critical in determining whether employed or not is whether they have control over how they deliver their service or whether I control that - so they are able to substitute someone else if necessary / they are able to have choice in when those hours are delivered (eg my cleaner said she would prefer to do Tuesday rather than Wednesday last week - no issue for me, her choice in how she delivers the service of looking after us & house) I can ask her to do different days, but she has the autonomy to say no, whereas as an employee she would not have that… there are also other tests like does she use our kit and cleaning materials or hers (eg she brings her own vacuum cleaner etc)

so many elements to the test of whether employed or not and you have to be seen to be doing a significant proportion for the status to change - another big one is whether there are multiple or single clients etc

my approach is simply the old-fashioned way I was raised that you look after your staff because they look after you.

IamtheDevilsAvocado · 27/06/2025 05:16

akkakk · 26/06/2025 18:52

Agree with others that if she is self employed, she can’t expect you to pay her when she is not there…

having said that, it is exactly what we do for our cleaner and gardener - they are paid top market rate and we pay them 4 weeks each holiday pay / pay them sickness pay - it is how I look after staff who themselves look after us

So presumably if you're paying holiday pay/sickness... You're employing them rather than contracting them?

I bank transfer my dad's cleaner 20 ph - she's self employed. Equally she has her own insurance for her business.

spoonbillstretford · 27/06/2025 05:07

She thinks you are a soft touch or she doesn't know how being self-employed works.

Zanatdy · 27/06/2025 05:03

HoskinsChoice · 26/06/2025 22:57

Wow. You have just publicly admitted to being an accessory to fraud. I hope you're not involved in any other crimes as you'd be rubbish in a police interview!

Oh for goodness sake. I very much doubt the police are going to show up on my doorstep, not least because friend in question probably didn’t even earn enough to pay tax anyway and also she has passed away. If they want to arrest me for helping out a friend who was working hard for little money then happy days, come and arrest me. Small business owners fiddle their taxes every day.

Anyone who pays any small business owner in cash is complicit in tax evasion. Only one reason small business owners ask for cash. My friend actually didn’t ask me to do that, but I offered. And yes I do pay tax, lots of it, but then i’m not a small business owner. If I was, i’d have definitely had yes if a friend asked if they wanted me to pay in cash.

Mydadsbirthday · 27/06/2025 02:06

roses2 · 26/06/2025 20:14

How long was she your cleaner for that you gave her a few weeks bonus at Christmas?

Good for you for standing your ground. £20/hour is a very good rate for London, most charge £15 in my area of North London.

Same, we pay £15 in north London. There are so so many cleaners looking for work around here. You could pay a lot less, but I wouldn't pay less than £15, doesn't seem right.

Mydadsbirthday · 27/06/2025 02:02

MyDeftDuck · 26/06/2025 19:03

Since she demand cash in hand I doubt very much that this cleaner is actually declaring her earnings to HMRC. £20 an hour is a good rate for a cleaner and ‘a few weeks pay as a Christmas bonus’ is bonkers OP, far too much money. Surely, self employed people do not get holiday pay?

Yes this is mad OP, you're paying her £120 a week, are you giving her £500+ at Christmas? Shock

justasking111 · 27/06/2025 00:08

WunTooThree · 26/06/2025 22:37

If "everyone" is paying her holiday pay, then she must be raking it in.

I thought that if she has five clients @£500 each per week. That's £10k a year holiday pay. Awesome cheek

Anotherscrubber · 27/06/2025 00:07

Mmhmmn · 27/06/2025 00:01

No. If she wants holiday pay she needs to join a cleaning agency. Bit bloody cheeky.

Also - the fact she isn’t taxed on her cash, that’s her holiday pay!

She won't get holiday pay from an agency. They don't employ their "staff". That's not how agencies work. They exist to take people who are utterly desperate for a cleaner and can't find one, and match them with a someone who wants to clean but who inexplicably is incapable of sadly unable to find, manage, and retain their own clients.

The agency charges a straight-up fully legal fee every month, paid from the client to the agency by standing order (or whatever method). The cleaner - who is supposed to be registered with HMRC as self-employed - is then paid something barely like minimum wage on the day of the clean, and that's minimum wage without the estimated 30%+ they get per hour as an employee, when holidays and other benefits are factored in.

Wolfpinkola · 27/06/2025 00:04

No way that’s weird !

MAFSQueen · 27/06/2025 00:02

itsgettingweird · 26/06/2025 18:31

I’d tell her you are more than happy to draw up a contract etc and she can accrue AL.

Then mention that means her tax and NI will come off her earnings and her AL will need to be applied for and as with all business it will be approved if it works for you and actually her having her AL whilst you’re away would be excellent for you!

Once she sees she can’t have her cake and eat it she will likely return to the status quo!

This 👆