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

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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?

If the OP has been around a long time they would presumably know the sort of responses a thread like this would receive.

Yes OP, you're being utterly unreasonable. Do 7 pages of posters saying the same thing get that message across?

You can't afford 3 DC? Then don't bloody have three DC! Its not your right to keep popping out babies. You need to be able to afford the number of DC have you have. Like the rest of us, who don't rely on government handouts to subsidise our family planning!

I'm not sure why people start posts like this. Surely it's obvious that the majority of people are going to say that it is unreasonable to want to be a sahm and get benefits for doing so. The vast majority of parents I know both work blooming hard , often working shifts around each other juggling things and getting stressed. I get so sick of working weekends / Christmas etc and missing out on so much with my kids. I don't begrudge anyone staying home and claiming benefits if it is necessary ( looking after a disabled child or elderly parent), nor do I think both parents should be out working full time causing stress and incurring huge childcare costs, but the amount of money op is upset abut losing could easily be earnt working a few hours a week.

I wouldn't think so Sparkling, no.

When the cuts were first announced they were negatively received on here. I imagine op thought she'd get more 'YANBU, fucking evil Tories' responses.

If you are already a SAHP then having another baby isn't going to hugely more expensive in the early years: 2nd hand clothes, toys, baby equipment breastfeeding and you will also get CB for nappies. When the child starts school find a part time job or if such jobs are hard to come by do as one of my friends do: provide child minding services pre and post school run for school age dcs for which she earns £150a week If you really wanted a 3rd dc badly enough then it can be done with out extra benefits but you have to put some effort into it. HTH

I wonder how financially driven that third child wpould be?
Is it truly a desire to have a third child or a desire to reap the tax handouts?

Seeing as the op has, as chipped pointed out:
In the last 12 months the Op has been near homeless due to her and her husband not working. She's financially dependent on tax credits and she wants another child, with no intention of getting a job to financially contribute.

The prospect of further funding from the tax payer was likely very attractive. If that is the case then its exactly this situation the government is trying to stop. Noone should be rubbing their hands and thinking child=£4k tax handout.

In a way I do feel for OP and others who have come to rely on TC to maintain a reasonable living standard. When it was introduced it was obviously a way for the government to get the unemployment numbers down by subsiding employers to take on more staff. Now the government has run out of money and the rug has been pulled from under those who have come to rely on it.

In a way I do feel for OP and others who have come to rely on TC to maintain a reasonable living standard

By not working...

This won't go well

I rely on tc to maintain a reasonable living standard

However I do work, as does dp

For many childcare cost makes one parent staying at home the more affordable option :)

I am disabled on indefinite DLA and the next few weeks I will be having to fight to prove I meet the criteria for PIP. I do not get the support I need from the NHS, so I use my DLA to pay for psychotherapy.
Cutting tax credits to 2 children is one move I agree with. My ex SIL had 9 kids, all on benefits, 2 born in jail and openly admits she has more kids for cash.

Husband works, I work part time. I would have loved a third child but we couldn't afford it.

For many childcare cost makes one parent staying at home the more affordable option

And if you're on the verge of homelessness why would you prolong the amount of time you can't afford to work by having another child.

Yabvu lazy and entitled. No of course we shouldn't pay for your third child when you have no intention of taking any responsibility yourself. Very sensible change capping at 2.

YABVVVU. I don't get anything for DD (except the standard child benifit) I HAVE to go back to work and can't be a SAHM. Why should my tax pay for other people's kids when it doesn't pay for mine?

£4k/year? You should be able to make that up pretty easily working a couple of evenings a week to ensure no childcare costs.

I have three children, my husband and I both work pretty hard to support them. We get child benefit, but nothing else

I don't know where I've been but this is the first time I've heard the term 'Kids for cash'

...in relation to benefits that is...

Crudely, it is elodie

In a job, pay won't go up according to the number of children you have but benefits do, so for some, the only way to bring in a secure income was by increasing the number of children you had. And never worrying about how to afford them, because the state would and could.

Yabiu
Get a job. Why should tax payers (inc your dh who must get back more than he puts in) afford you the luxury of 3 kids?!

When did the premise that able bodied adults should be responsible for themselves and their offspring cease? Why does the OP and anyone else with the same sense of entitlement assume that other people want to work and pay taxes to enable you to stay at home and pop out babies when it seems that you can't even pay for the two you have without other people's money?

FFS get off your arse and get a job.

Why should the taxpayer take on the burden of people's lifechoices
I wonder if that would apply if William and Kate decide to have another child. There are many many things our taxes get squandered on. We don't get to pick and choose what our tax goes on.
I also don't think it's unreasonable to want another child and be supported by tax credits. Wages should be high enough to support a family, it's not the OPs fault that tax credits should be necessary.

YABVU, you can't afford the two you already have. If you want a third go to work and pay for that choice yourselves. Wanting others to pay for your choice not to work and to extend your family is utterly wrong.

The changes are good, with a bit of luck next time it will reduce to one child then none. People need to live within their means so if that means none or less children so be it. The incentive to work harder and not make choices you can't afford needs to return.