Active discussions

Meet the Other Phone. Flexible and made to last.

Meet the Other Phone.
Flexible and made to last.

Buy now

Please or to access all these features

Talk
Chat

Join the discussion and chat with other Mumsnetters about everyday life, relationships and parenting.

Original poster

What's your take home pay net of childcare?

52 replies

lolapalooza3 · 14/12/2021 08:53

Have just started a new job after being a SAHM for a couple of years.

The salary is good (London) but after paying for our nanny £13ph, I'm left with slightly less than that p/h. It's just so depressing.

After paying for nursery/nanny/childcare, what's your hourly or monthly take home pay?

OP posts:
Kittykatmacbill · 14/12/2021 12:42

There was a point where my childcare was £50 per month than my earnings. It’s better now but is still over a quarter of earnings and will be to they leave primary school I presume.

WorkingMumWantsChange · 14/12/2021 13:38

Hi all working families…

Please support my govt Petition: Remove the cap on tax-free childcare so it meets more families’ needs.

petition.parliament.uk/petitions/602389

Please help by removing the £2000p/a CAP on tax free childcare so that it is more reflective of 20% of annual childcare. I live in Surrey and full time childcare in my area is £21k p/a per child. The current £2k CAP is only 9.5% of this.

I really appreciate this government support but removing the CAP so that we get the full 20% tax free would really help families, women especially go back to work.

Please support, sign and share my petition: petition.parliament.uk/petitions/602389

Huge thanks!!

Original poster
lolapalooza3 · 14/12/2021 14:06

@BernadetteRostankowskiWolowitz

Are you married/in a relationship with the dcs dad?

Yes

OP posts:

Interested in this thread?

Then you might like threads about these subjects:

Childcare & nursery Employment advice Families
Original poster
lolapalooza3 · 14/12/2021 14:09

@Oblomov21

How old are your dc? When will you get the free part? It's only for a short time. It feels like a long time, But in the grand scheme of things when you think about it it's so not. I had minimal childcare costs because I had an unplanned age gap. And then I only worked a few hours more than the allotted free 15 hours.

Is a nanny your only option. Could you get childcare vouchers from work.

2 and 4. We "only" get 15 free hours as DH earns over the threshold. A nanny is cheaper than 2 children in nursery where we live.

OP posts:
Nomoreusernames1244 · 14/12/2021 14:15

2 and 4. We "only" get 15 free hours as DH earns over the threshold. A nanny is cheaper than 2 children in nursery where we live

So you have a dh problem, not a childcare problem, if you’re left with £13 after paying childcare costs and are expected to live on that.

Get dh to pay his share and you’ll be far better off.

LittleBabyCheeses · 14/12/2021 14:24

If he earns over the threshold then household income isn’t a problem… the problem is that your DH thinks paying for childcare is your sole responsibility. How much disposable income does he have a month, compared to you?

Original poster
lolapalooza3 · 14/12/2021 14:30

@LittleBabyCheeses

If he earns over the threshold then household income isn’t a problem… the problem is that your DH thinks paying for childcare is your sole responsibility. How much disposable income does he have a month, compared to you?

I don't know. It all goes in to one pot and we take what we need out of that.

He said if I want to work then it was entirely
my choice but that whatever my wages were would have to cover childcare costs, as it costs nothing for me not to work.

OP posts:
Original poster
lolapalooza3 · 14/12/2021 14:31

@Nomoreusernames1244

2 and 4. We "only" get 15 free hours as DH earns over the threshold. A nanny is cheaper than 2 children in nursery where we live

So you have a dh problem, not a childcare problem, if you’re left with £13 after paying childcare costs and are expected to live on that.

Get dh to pay his share and you’ll be far better off.

£13 per hour! Not total Grin I probably take home £11-12 per hour net after childcare.

OP posts:
Nomoreusernames1244 · 14/12/2021 14:33

He said if I want to work then it was entirely
my choice but that whatever my wages were would have to cover childcare costs, as it costs nothing for me not to work

So that’s a different tale to you only having a small net pay after childcare Hmm

It doesn’t “cost nothing” for you not to work. He also needs to account for if you don't work, he needs to be paying into a private pension for you. And in 5 or 10 years when you’ve been out the workplace for so long it’s near impossible to get back, long term your net income will be far, far less if you don’t work.

BernadetteRostankowskiWolowitz · 14/12/2021 14:35

I don't know. It all goes in to one pot and we take what we need out of that

So you have full and free access to the whole family income? That's good. In your post up thread you said all you had available to you after childcare was the remainder of your salary

Fretfulmum · 14/12/2021 15:05

But OP it doesn’t cost nothing for you to work. If you don’t work, your DH will have to pay NI and pension contributions for you from his own salary. You need to add in these expenses when working out your childcare costs.

AwkwardPaws27 · 14/12/2021 15:05

Outskirts of London, currently pregnant.
At current rates of pay & current nursery fees, my net would be £3.69/hr or roughly £600pcm.
If I have to go back to the office, you can knock around £220 off of that to pay TfL.
Luckily my work are quite open to flexible working, so I'll probably continue to WFH most of the time. I'm also marginally better off working 4 days rather than 5, so will hopefully be able to arrange that too.
I'm not stupid, but I'm socially crap (think I'm possibly autistic) and have struggled to get a proper career. I earn £29k which doesn't go far in London, especially with childcare.

EezyOozy · 14/12/2021 15:13

He said if I want to work then it was entirely
my choice but that whatever my wages were would have to cover childcare costs, as it costs nothing for me not to work.

This is wrong. It's utter bullshit and financially abusive. They're his fucking kids too. I'd hand his arse to him on a plate.

MissMinutes24 · 14/12/2021 15:14

@hassletassle

*He said if I want to work then it was entirely my choice but that whatever my wages were would have to cover childcare costs, as it costs nothing for me not to work.*

This is wrong. It's utter bullshit and financially abusive. They're his fucking kids too. I'd hand his arse to him on a plate.

Absolutely.

Tell him if it costs nothing not to work then he can jack in his job to look after the kids and you'll save money on childcare costs that way.

mogschristmascalamity · 14/12/2021 15:37

I worked at a loss for 2 years. consider yourself lucky.

I love my job and didnt want to take time out. It gives me independance and self respect.

My husband never once insisted could only work if I covered the childcare fees because he is not a twat.

mogschristmascalamity · 14/12/2021 15:42

*independence even Grin

fitzbilly · 14/12/2021 15:47

Finances are joint in this house, but purely based on maths I bring £200 pm into the house by working. Finding kicks in in Jan so I'll finally have more to contribute to the family income.

bobsholi · 14/12/2021 15:51

At one point -£400 a month. We had to dip into savings to afford it and then I became a SAHM until our youngest went to school. Now I'm £900 up every month.

ftw163532 · 14/12/2021 16:01

He said if I want to work then it was entirely
my choice but that whatever my wages were would have to cover childcare costs, as it costs nothing for me not to work.

Yeh, so a DH problem then.

Waxonwaxoff0 · 14/12/2021 17:50

Sounds like you have an unsupportive DH.

Heepers · 14/12/2021 18:10

OP being nosy, what's your salary?1

Blossom64265 · 14/12/2021 18:15

I’m not clear op, do you have joint finances or not? Do you both have access to all earnings or are you budgeting out of your own earnings? When you were not working, did you use household funds (aka his salary) to fund your own pension?

WaterBottle123 · 14/12/2021 18:20

Your DH is a dick who thinks looking after children is womens work.

karmakameleon · 14/12/2021 18:32

I’m guessing (based on a 40 hour week) that the OP earns about 75k. If so I would assume you had a career rather than a job and that must be worth something. When my kids were small my take home would have been similar but I thought it was absolutely worth pursuing my career. I’ve had a couple of promotions along the way, so earn far more now, and childcare costs are minimal now that everyone is in school.

Roundeartheratchriatmas · 14/12/2021 18:33

I’m sorry he said what now ?

And you are still married to this prick ?