To be gutted that I won't be getting tax credits for 3rd child?

[GutenTag]

I'm just wondering what people's opinion is really.

We are trying for a 3rd child and I won't be getting any tax credits for this child as the government has changed the rules so that from next year tax credits are only paid for up to a maximum of 2 children.

I currently receive around £1k of TC for the kids and I would have received £4k for the 3rd if the government hadn't made the changes.

That would have meant an extra £250 a month. It's a lot of money for us. My DH works and I'm a SAHM. We have a £100k mortgage on a small house in a deprived area of town. We get by. We don't have much money left each month and I need to save literally for everything. I'm really really gutted. I really wanted 3 kids and this has meant that I'll be financially alot worse off now.

Of course I don't expect the government to "pay" for my children but it would have really helped, that's all. It would have eased the pressure off.

Just for the record we have never received any other benefits apart from JSA when DH was made redundant last year which was a godsend as we would have been homeless otherwise.

Do you think AiBU to feel/ think like this?

"Yes but you forget an able bodied single man can sort himself out"

Im childfree by choice and these attitudes really piss me off. Especially as ive shown nothing but support to families facing these cuts! Basically you are saying "they can sort themselves and they dont matter because they havent got living proof that they have had sex without contraception.

Way back in 2004 i applied for a retail job and kept reiterating that i really wanted full time.

They offered me 28 hours. Now as i had no kids i would have had to have 30 hours a week minimum to apply for working tax credits. I had to tell the JC they were only offering 28. The JC TOLD me to phone them and explain that i needed 30 hours. i told the JC i wasnt that happy about applying for WTC as there had been so many cock ups with wrong payments. It was all over the press. JC told me I WOULD HAVE TO APPLY FOR THE TAX CREDITS!

the retail job begrudgingly agreed to 30 hours after i phoned them and explained and i actually got as far as taking the form home. Luckily i found a fulltime job This was 12 years ago.

Ive seen a PP say people are refusing extra hours. Well if those extra hours are intermittent and inconsistent the system cant deal with it because it wasnt a system created with employers whims and bad managers in mind!!!!!

And what sent house prices skyrocketing?

Anyone?

'Anyone?'

Are you teaching GCSE history call?

No way - it's July!

Yes, as others say "get a bloody job" then they won't mind that the government will probably be falling over themselves to help you pay SOMEONE ELSE to look after your children lol that's the bloody irony of this!!!!!!

(And no, I don't actually think you should "get a bloody job" - you already have one - looking after your children!! And if you want a third go for it - I find you tend to find a way to cope - we live a happy life - not deprived but we don't drive new cars or have foreign holidays, we don't buy new clothes (so what) and most things come from the car boot sale - i am happy with this - I hate shop prices. I am a sahm, we are not valued nearly enough by this current government.)

Haha, U.K. poverty:

We don't drive new cars and we can't go abroad.

WON'T SOMEONE THINK OF THE CHILDREN

Op you are most defiantly BU.. My husband and I both work, me part time and get no tax credits at all.. I have to go full time from sept as we're struggling so much.. I have absolutely no sympathy for people who choose to stay at home instead of working and are struggling for money and can only claim benefits for 2 children.. If you can afford a big family, great go ahead but please do not expect the working tax payers to pay for this for yoi

YANBU for feeling anything.

But honestly, YABU to expect it.

I think we're very lucky to receive it for 2 to be honest or one for that matter, many countries aren't that generous.

This is from someone who does get TCs.

Both my DH and I are disabled and he works, I don't (yet, until youngest is in nursery then I most certainly will be).

I think you have to live within your means.

YABU Don'thave a third child if you can't afford it!
Don't mean to sound harsh, but why should I and other taxpayers have to pay for waht is essentially your choice when you already have two children..? In any case who is to say TC regime may be cut again and you are even worse off...

And again tax credits will support you to get a bloody job by paying childcare for that other person to do a worse job than the mother bringing up your kid whilst you work. So another tax payer and NI contributor is in the system.

And I'm sorry Helena but if I had two arms and legs and half a brain a 30 hour a week retail job would be lady on my list, even in 1992 when we were allegedly having a recession and I was straight out of school I did better than that for myself, I think a grown man or woman doing that job for anything more than a stop gap would have to seriously consider retraining and skilling up before considering a family or anything else for that matter.

it seems that for some folk, instead of being grateful for welfare payments/tax credits/whatever, it's become something they "deserve', something they're entitled to. Sure, if you're already in receipt of a benefit that has been cut then you're going to feel the pain but to be considering whether to have more children that tax payers will be stumping up to pay for is wrong on every level.
I'm just about old enough to remember that the Welfare State in Britain was set up to provide a short term fix for those who had fallen on hard times, NOT a long term substitute for a living wage as some seem to believe.
If you're already working all the hours you can to support your family & need a little short term help, fine, but for those who choose to increase their families & not work to their full potential it is then NOT acceptable to expect other folk to subsidise your family.

I hate to sound harsh but why are you expecting the taxpayer to help fund your third child? I would love a newer car but I can't afford one and I'm not looking for anyone else to help fund it.

Wow pissed that was seriously fucking rude to Helena

I'm sure this is a wind up cos let's face it, you can't even afford the two children you already have. Even if both of you worked I wouldn't have sympathy for you regarding a third child. As a SAHM you need to get off your arse, find some work and support your family. Can't believe my hard earned taxes go to the likes of you instead of people who really need it. I'd be embarrassed if I was you

30 hours a week is a joke .... Seriously don't tell me with no commitments that's the best any one who is able bodied can do

Lindsxxx
this is not about whether one is a parent working outside the home or a parent who chooses not to. This is about whether people who are not working outside the home and are depending on receiving financial assistance from working taxpayers to support their children should continue to add to their families and expect more benefits.

It seems ok to get techy if you feel your 'stay at home' choice is not valued - excuse the rest of us if we get tetchy if some people appear to think we work to support our own family AND theirs!

It is unsupportable - literally.

They're your children. Don't have them if you can't afford them.

It's that simple.

Or get a job like millions of other women .

My little sister has 2 job if you don't include her self employment, she has no kids she's building a future, she probably does 30 hours at the week and she doesn't call parents entitled because she knows her turn will come if she wants it

People were happy before the conservatives came in, nulabour started throwing money up in the air, people could afford to drop their working hours, have another child, aspire to better living conditions without actually having to graft for those better living conditions.

Cameron looked at the balance sheet and the note left telling him the coffers were empty and the conservatives are now trying to make people realise that we're not all equal, we have to work hard to afford what we want and societies sense of entitlement needs to change big time.

Not only that but business needs to step up and start paying a decent wage so that the expendable income in the economy comes from wages after tax rather that benefits. It's unsustainable to prop up an economy with benefits.

Typo ... 30 hours at the weekend that should have read.

People were happy before the conservatives came in, nulabour started throwing money up in the air, people could afford to drop their working hours, have another child, aspire to better living conditions without actually having to graft for those better living conditions.

I'm not sure that anyone who did react in that way did find much satisfaction or deep happiness.

I'm sure the Tesco and Amazon bosses were much happier.

Marysunshine, the op's husband does work outside the home does he not?

Quite.

I have 3 kids and don't think child benefit and tax credits should be paid on any more than 2 kids. If the money makes such a difference you can't afford a 3rd child, children get much more expensive as they get older!!

PIssedoff that was all i was being offered. Did you not read my post properly, I FUCKING BEGGED THEM TO TAKE ME ON FULL TIME AND APPLIED FOR OTHER FULL TIME JOBS AND GOT ONE!!!! I found a full time job and didnt need to fill the WTC form in It went in the shredder.

And someone has to do those jobs. This isnt the first time ive come across this attitude on here. The last time was when i posted about the full time night job i had in a sex chatline office I was shamed on here for doing it.

The same job where the wages paid for me to go to Slimming World and lose TEN STONE. This job was in 2001 to 2003 so BEFORE the experience i posted above .

Thats right I DID turn my life around and it was a job in the sex industry that enabled me to do it.

YOU UTTER FUCKING SNOB!

Helena

The idea that everyone should somehow (magically) be a high-earner is underpinning a lot of the nastier and more illogical posts on this thread. It'll be a special society where we don't need shops