To disagree with 3/4 year old children having more childcare paid for

[ReallyTired]

www.bbc.co.uk/news/uk-politics-24199711

I feel the goverment should pay for education rather than childcare. 15 hours a week is enough to meet a child's educational needs for pre school. At a time of austerity, I feel there are bigger spending priorities. (Providing enough school places for children who are of complusory school age!)

If you choose to have chidlren then you should pay to look after them. I feel that labour's set of proposals are totally unaffordable and making the "banks" pay will damage the UK financial sector long term.

All these election bribes do not help the UK in the long term.

I suppose it depends where you live, how much rent / mortgage you pay, how many dc you have and how old they are.

An awful lot hinges on your housing.If you bought early,are mortgage free,had help with a hefty deposit,live in a cheap area it's a world away from somebody paying full wack rent or mortgage.

Its a high rate area and we have mortgage in south and we are in our 20s. However regarfless 32k income is a high household income in comparison to most.

ihategeorge

I totally agree with you. 50k sounds an incredible amount of money to us, and people quite often wonder how we get through on such little income. I don't like talking salary, but our household income entitles us to FTC so that gives you a clue. However, we have no mortgage, only one car, few travel expenses which are tax deductible anyway. We scrimp and save though to afford the things that are important to us. So we may all freeze this winter to pay for dds music lessons .
I would never imagine somebody on 50k struggling, it seemed bizarre.
This isn't meant judgementally, because I don't understand but if somebody is paying so much to actually get into work, why bother or just get a job closer to home? I'm sure that's what we would do.

It doesn't feel like it here. Houses are 250 - 300k for small ex local authority homes, hence we can't buy. There are those who live in huge 6 bed detached houses over 1 million with dc at private school. I just don't understand where they get their money from. Many of them have SAHMs and their dc do every activity under the sun, all music and sports activities. My dc do brownies and swimming. I do wonder how they make their money.

Not many people can afford houses, but just live in a flat or maisonette.

morethan, I tell dh to do just that. He leaves the house at 5.30am and gets home at 8pm. Sometimes he doesn't come home. I often say he should get a job closer to home. The problem is that our salary multiples to buy a house would be even less then and we would never be able to buy. We are 41 now and time is running out.

The house we currently rent is very small and all that we can afford on the rent. It has two rooms downstairs, you can stand with your arms out in the kitchen and touch each wall from side to side (well dh can, I can't quite)

You could work round his shifts for extra cash? I work 50 hours over the 7 days so some is when dh is here so I get free childcare. Dh does really long days out house but not on as many days.

The south varies though.

There are places in Surrey cheaper than places near some of the big working cities in the South West.

That's what I plan to do jasmine, when dc3 gets his 15 hours.

Retro we are in the southwest!

Im also south west

I'm south west too. Live in Cornwall, commute to Plymouth

Also working round hours like that would mean supermarket work which is highly sort after.I know friends(highly qualified )who have gone for such jobs. It's tax free work at convenient hours,many want it.However it involves Sat so buggar all home life.

In the good old days you would assume 50% of income was rent. As you earned more you had more disposable income. As you got older and had children you would maybe buy somewhere on a mortgage of 3 x ONE income per household. As children grew older, Mum got a part time job (excuse gender bias) and this helped with the extra cost of living with children. The disposable income was what kept the economy going.

As more women went to work full time though (fair enough), rather than spend that extra income on stuff, or save it, it was spent on property and people would upsize with a higher mortgage each time, rents were dragged upwards along with the cost of house prices. It wasn't long before you couldn't buy a property on one income any more and it is far worse now.

This the root of the property price boom (and bank chaos), it was money for old rope for the banks and they supported it where they could.

Now the Labour government wants to support over-inflated house prices and silly money mortgages by encouraging more families to work harder while they have young children. They will largely be working for companies that evade tax in the UK and be on not much more than minimum wage. They may be stressed and unhappy when they get home, to Britain's future generation. That's progress then.

A fine mess indeed.

See there is SW and SW too.

Some parts are cheap but if you live near the big cities baring in mind rural areas are seriously let down re services(£8 for a 15 min bus trip anyone) for work house prices and rent are uber expensive.

We only have 1 car and live in an expensive area as it would kill dp having to cycle more than the 16 miles to work he does each day .

Yeah you can still have a home life even working over 7 days I still have a home/social life.

Exactly passed my dd will have less choices than I had(and probably less than her grandmother had). Progress my arse!

£50k less £14k one child fulltime childcare, £14k tax . NI, £14k mortgage leave that single person working full time about £8000 for food clothes travel to work (which is London can be several thousand a year). I don't think people realise how little £50k can mean. So the £50k full time working single parent who perhaps lives in Luton or Watford and commutes to London has £8000 for her food, work clothes, travel to work and any extra hours of babysitting if she has to work late.

If your husband gets back at 8 and you then leave for the evening shift alongside working Saturdays I fail to see how unless you can produce a clone of yourself.

Dh gets back at 7.15 most nights. I only do half days on weekends, 8 hour shifts on all weekdays. Take kids out on activities both weekend day afternoons. Still go out drinking, clubbing etc and have plenty of time for dh in evenings

I know Retro, I'm working on it. Dh needs to stop working in London, but then he will earns less. I've told him to look in Bristol, as sometimes he can work there for the odd day with his current employer and life is much easier then as he cycles too

I'll have to work nights . I used to love working nights when I was younger as we only did a 9 day fortnight and got big shift allowance.

Where I grew up it's now £700,000 for a 2 bed flat. Parents bought their house for £8000 on two public sector incomes in 1972, equivalent of around £30k each now. It's worth nearly 2M now. The only friends and family that still live in the area are those that got council accommodation. When I lived there the waiting list was 13 years. If it wasn't for subsidised housing the area would be sterile.

House prices / lending controls are the key to this recession but none of the parties want to face it.