To be pissed off at the new tax free childcare

[childcarechallenge]

NC for this.

We have two DC in childcare and live in London. I'm starting a new job next month and my salary is 48K, after tax, student loan, childcare costs and tube to work plus a few other generally working expenses (clothes etc) I've worked out that I will take home less than £200 a month.

DH earns a good salary which is good because we almost completely rely on his salary for rent, bills etc. He just received a large bonus which pushes him over 100K which is the new limit for the new tax free childcare scheme from the government.

Essentially, between 100K and 120K after tax, student loan, the loss of his "tax free allowance" which is clawed back over 100K, and the fact that we will not be able to claim £4000 back on our childcare because he is no longer under 100K (This applies to BOTH of us because of his salary) means that of that £20K we are actually only £1800 better off. AIBU to think that this is complete robbery - DH works extremely hard, very long hours (sometimes 70 hour weeks) in a high stress environment and the government seem to take an obscene amount of his salary.

We have an opportunity coming up to move to a lower tax country in a year or so with his job and this just makes me really want to take it, AIBU?

I am going to add this in. I am a single parent, I work 16 hours a week and get help from tax credits and I get a small wage. Not what I thought I would be doing with my life but shit happens. I have retrained but cannot for the life of me get a step on the ladder of the profession I am qualified to do. My daughter is 4 and at preschool and whilst she is there I work for a mere £7.66 an hour. I am living within my means and still I am practically out of pocket every month. So op please get off your high horse and stop acting like a spoilt princess, so many people are much worse off than you yet you act like you deserve this or that.

No one on this thread has said they don't want to pay tax and they don't want state services. The issue is the proportion of income that is tax plus work related costs.

When people take home no money, their incentive to work is diminished. Is that so hard to grasp?

nonsparkle - you really ought not to be quite so rude to someone who is a net contributor to the system of which you are a net beneficiary.

I don't think OP is currently living within her means particularly, that's why she has this dilemma. London is a prohibitively expensive place to live and she wants to live centrally. I work there and earn a good wage (compared with wages locally it's a fortune) but I can't afford to live there so have to factor in hours of commuting. Yes it's shit. Complain about it for everyone, your voice might have more impact.

Tug your forelock suitably, you should know your place nonsparkle!

If anyone's a spoiled princess...

Where do you fucking get off Bobochic?

I think people have a frigging nerve being rude to the people funding their lives. No one is complaining about paying taxes but my God people who benefit from the system think they can complain about those who fund it.

Should nonsparkle tug her forelock and mutter a 'thank you, milady' as OP walks by too, Bobo?

It's quite possible (sorry OP this is hypothetical, I don't think this) that OP has some silly non job which needs a person to fill it or the organisation will lose funding. That happens.

nonsparkle can be rude to anyone she wants

But you dont know nonsparkle's circumstances.
Everbody contributes through taxation anyway.

Not everybody does contribute. There are net beneficiaries and net contributors.

Some absolutely shockingly archaic attitudes on this thread. Hey forget the Victorians, they were too charitable and nice, let's bring back serfdom.

Funding me, like it's a choice? Right now I have no fucking choice. At least I do bloody go to work, plenty of people around who are entirely funded off the system.

I would ignore boho if i were you nonsparkle

Not everybody does contribute. There are net beneficiaries and net contributors.

Financially speaking, perhaps.

DH and I are using our Oxbridge degrees to do a bloody good job teaching in some very tough state schools. We'll never earn as much as the very high earners cited on this thread and we'll probably just break even as financial net contributors but we contribute in many other ways.

By the time I stopped working just before I got pregnant I paid my share of tax and ni. I gave up work to start my family and ended up where I am because of my relationship breakdown 2 years ago.

Seriously Bobo - you expect people to be grateful and say thank you. You are quite deluded. The system doesn't allow for everyone to be wealthy - it's a pyramid - you're higher up that pyramid than most - you are the one who should be grateful.

Sure, nonsparkle, but that doesn't give you any right to make personal attacks on the OP.

Just hope you don't fall off the top.

No, I have not suggested anyone say thank you. Just suggested they shouldn't complain or make personal attacks.

Personal attacks are not the issue. It's not a matter of some people being able to make them and poorer people not. Some fucking idiotic logic here.

We are living within our means.... we are not poor. I could afford not to work and survive comfortable on DH salary. But we would be a lot better off and be able to save more towards a large desposit if we were in HK paying tens of thousand of pounds less tax each year.

Might just be worth pointing out that not including my travel at 6.60£ a day and any other expenses just to cover childcare on one salary is a pre tax salary of 41,100.

If my salary was the average uk salary it would be prohibitively expensive to work- and I wouldn't be eligible for tax credits or tax free childcare because of DHs salary.

Perfectly acceptable to remind posters not to make personal attacks.

Totally unacceptable to tell someone to know their place and 'not be so rude' because they have 'a frigging nerve being rude to the people funding their lives'.