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Paid childcare

Discuss everything related to paid childcare here, including childminders, nannies, nurseries and au pairs.

Child minder can't child mind so offered nannying

39 replies

x3ja · 19/05/2014 15:26

We have a friend who was planning to child-mind for our DD who is the same age as her DS. It turns out she can't child mind at her house due to conditions on the mortgage, so she has offered to be an NWOC for us.

For us, this looks like a big rise in cost - from around £4.50/hr to £7/hr (when you factor in NI, PAYE fees and insurance) for no big difference in care (she wasn't going to look after other children anyway). She was expecting to be paid less than minimum wage as she's comparing it with what she'd get child-minding, but of course that's not possible (and we're not looking to break any laws)

We're looking into nanny-sharing, but we don't have control over whether we find someone to share with - and we need to make a call on this soon. We're also looking into how we can make it more flexible than nursery and therefore save some money through that... but those aren't really making a dent in the bottom line cost.

We're not trying to devalue her work, which will be amazingly important, it's just we can't afford the higher price. She's very much with us on this journey - the only reason we're entertaining either child-minding or nannying is because she offered and is a friend that we trust. She's also not got any other options on the table, so she's keen to try and make this work too.

Has anyone got any magic fixes for this? Or any suggestions? It may just be that it's not affordable for us, which would be a shame for us, our friend and our kids.

Thanks

OP posts:
Are your children’s vaccines up to date?
Blondeshavemorefun · 20/05/2014 12:03

I'm se but I'm temp /emergency as well as night nanny - a lot of my jobs are a day / few days here and there

Mat nurses are also se

BarbieCan · 20/05/2014 09:46

So in 99% of the time nannies are employeds.
What's the 1% when they can be self employed?

x3ja · 20/05/2014 09:37

Thanks for the thoughts and facts - all very useful. Especially the bit about being unable to nanny-share with another family - that makes a big difference.

Yes, I was aware NMW goes up to £6.50/hr in October (just when we'd be starting this). Allowing for NI, PAYE fees, employers liability insurance across 3 9-hour days it works out at about £7/hr on average I figure.

The only thought I'm left with is whether, as MN216 suggested, she (or her husband?) could pay us for her childcare... effectively nannysharing with her own family. Anyone have any idea if this is possible?

OP posts:
slowcomputer · 19/05/2014 19:18

Can't you pay a NWOC NMW and somehow deduct for the fact that they bring their own child, in the same way that a live in nanny earns less as they are getting the accommodation. I.e, she is effectively getting free childcare.

Blondeshavemorefun · 19/05/2014 17:22

Seems the only solution is to either employ her at nmw so £6ish and your friend is likely to earn a bit more then being a cm if £4.50

Or find another cm at same price if that's the hourly salary you can afford

nannynick · 19/05/2014 17:08

A NWOC can't be paid less then NMW. A new nanny just out of college could well be paid less than someone experienced. A nanny with own child may well accept less than they would get if they did not bring their own child (we have had several message threads about this in the past, not everyone agreed to what the reduction would be). Personally I expect a 25% discount is reasonable but if that pushes salary below NMW then that causes a problem.

So 7.50 could well be the going rate in an area for a NWOC, where as a nanny of similar experience without bringing their own child would be on around 10.00 Problem is, a childminder in the same area may be around 5.00 an hour. So it is more than a childminder would charge.

AndiPandi · 19/05/2014 17:00

If you were to do a nanny share someone else would be sharing the cost, I don't know how this works but assume she is your employee but you then get to invoice other parent for their share. Could you do something similar with nanny, invoice her for caring for half the costs so you pay her minimum wage plus extra costs but she reimburses you part/half?

MN216 · 19/05/2014 16:55

Do NWOCs really charge the same as a nanny without her own child? Or is the £7.50ph cost the going rate for a NWOC? If not, then surely a discount is in order given that she is effectively working but not having to pay childcare costs for her own child. Or you pay her the £7.50ph rate and then she in effect reimburses you for her childcare costs?

AWombWithoutARoof · 19/05/2014 16:53

You see, I told you I knew nothing about it! Grin

nannynick · 19/05/2014 16:53

AWombWithoutARoof - nannies are in 99% of cases an employee, so that would not work. There are also very few expenses that could be offset if they were doing very ad-hoc nannying... see recent message thread: SE Nannying, what to claim back.

nannynick · 19/05/2014 16:51

Alas there is no magic fix for that. You are quite right that it would mean that you would have to pay at NMW (which goes up to £6.50 in October 2014) and you would need to factor in payroll admin and employers national insurance, plus anything else required such as employers liability insurance which may not be included in your home contents policy.

A nanny share is unlikely to work as she would I assume be bringing her own DS to work with her (so a Nanny With Own Child) and thus if you found another family to share with she would be caring for children from 3 families at the same time... which then means childminder registration.

Sorry, no magic fix for this one.

dinkystinky · 19/05/2014 16:45

Could you do a mix of nanny and grandparents/nursery if the sums work out for you?

AWombWithoutARoof · 19/05/2014 16:25

I don't use a nanny, so maybe I'm missing something, but is there any way she can invoice you and work as a self employed person? She could still be called a Nanny on her tax return. Would that save you money? She'd then be able to write some of her expenses off against tax.

eeyore12 · 19/05/2014 16:21

No magic fixes but just to say if she is caring for her child and yours, you will be unable to introduce a third child (share) as a nanny is only allowed to care for the children of two families at the same time, or their insurance won't be valid.

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