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?

Maybe you should economise? You could eat more porridge, you've posted before that you like it, and live like the three bears.

After all that story is as close to reality as this thread is.

OP has disappeared....

But then it was a strange comment....

Well if this is real - that's just the way being a grown up works, you don't have things you can't afford, if it really matters to you, then you sacrifice tour standard of living to have it anyway.

We can't afford a 3rd, it was hard to accept at first, however now I'm out of the baby stage, I suddenly realised a few weeks ago "stop contraception" was no longer on my "lottery win dream", have learned to be happy with what we have.

If you can't afford the 3rd without dramatically reducing the standard of living for your existing 2 dcs, then you can't have a 3rd unless you can increase your family income some other way. Is it possible for you to work or your DH to move jobs over the next couple of years? (If you can up your income anyway I'd do it, I refuse to accept the last round of cuts is the last and wouldn't be planning on those tax credits staying the same over the next 5 years)

Rofl. YABU. As an aside can anyone tell me why it's £1k for two children but £4k for 3? Have no experience of child tax credits.

What pisses me off is single parents HAVE to work and yet the govt are giving tax credits to married sahm.

^this

What a strange thread. Planning No3 child around tax credits eligibility.

Why don't you get a job OP? Work in a bar in the evenings. That will easily make up your £250.

I have never thought of children in terms of numbers I want only what I can afford based on the life I want to give them. Which isn't scraping by because I think that's miserable for them

Don't have children you can't afford.

Why would you want to compromise your existing children's lives even more if it's already a struggle.

This is a very sensible new rule.

If this is real then I'm ridiculously naïve too, it's mind boggling that the government would pay £4k a year in child tax credits.

I've been a sahm, so I'm not bashing that, it's a perfectly valid choice, but I always thought the deal was that if you choose to stay at home you have to pay for it yourself.

OP won't be back I think!!

YABVU!

Husband and I both work well paid jobs and have 2 young DC's but having another would simply make life a real financial struggle for us and our children. Therefore, though we'd love to have another we can't afford it at the moment so are waiting until we can or sticking with our 2 lovely DCs. I certainly would not expect taxpayers to fork out for my life choices!

I personally think this thread was started to incite the good old phrases: "Get a job", "why should tax payers pay for your life choices" etc. The OP has not returned.

If this is the case OP find something productive and positive to do rather than incite benefit bashing!

I am immediately regretting posting here, because I suspect that I've bitten when I should have ignored.

Will I ever learn?

I don't normally get involved on benefits threads, but a SAHM complaining about cuts when they could get a job is very different to a single parent having to work then having their income squeezed further.

OP, get a job and reconsider having another baby if you can't afford it.

I think you probably would get by if you had a 3rd. We had no money when mine were little but on paper dh earned too much. No tax credits.

treacle I wrote the first reply even though I thought it was possibly a goady fucker looking for a reaction.

I think that if your response isn't resorting to insults and isn't following the pack mentality there's nothing to chastise yourself about by offering your opinion.

This thread can't be genuine but assuming it is - get a job or don't have a third.

I'd like a 3rd. We both work, don't claim any benefits and could afford it but DH doesn't want one so we're sticking at 2. I'm not actually a fan of this government's austerity measures, but sometimes for whatever reason you can't always have the number of children you would like.

This is the best news from OP.

Have we got a WAG here? wind up and go

GF

I don't think the ops being unreasonable. It's not her fault that she has to rely on tax credits to get by. If wages were in line with inflation she wouldn't need them. Until wages are set at a realistic amount tax credits are necessary.

Yabu

Do some of you honestly think that the only people who have multiple children knowing they will be funded by the stage are wind up merchants? They aren't :)

No call, but one that start a thread about it and then leave the room......