To want to pay cleaner by bank transfer not cash.

[Starryskiesinthesky]

Cleaner wants paid in cash but I never have cash so would prefer to pay by bank transfer. Fact she wants cash makes me think she’s not declaring it. What do others do and do you care if they are not declaring it? £15 per hour if it makes a difference. Thanks.

Yes

My point was your somewhat bizarre view that the disabled and older clients because it’s a struggle are better payers than the middle classes.
Did you mean cash payers or generally speaking

Because the crux of the OP is cash versus transfer

Not late payment
Not a class Issue

@ikeptgoing if you RTFT the OP admitted it's not so much of an issue and she was just being grumpy.

Total faff to pay in cash. We discussed up front with our cleaner that we would only do bank transfer and thankfully she was fine with that. If she hadn’t been then we would have looked for someone else.

I'm self employed I actually have a little shop and take all payment methods but do like some cash.
I have to pay fees when using my business account so some actual money is a must.
If your cleaner has to pay a fee to take her own wages from her own bank that could be why she's asking for cash.

Pay her in cash . She’s cleaning your house. I wouldn’t care if she declared it or not . There are worse sins than not declaring wages for cleaning houses.

OP is too busy cleaning to join in all the chit chat. 😆

@yikerspipers

Actually, yes it is. Unless she is working for an agency or has declared herself as self-emplyed to the taxman, you should stick to the legal tenets of being an employer

Not right. By this logic, we should all be paying NI for our cleaners. They are contractors with clients, not our employees.

My employer takes my NI and tax out of my gross pay and pay it on my behalf.

They don’t pay it FOR me!

The self employed pay income tax and NI contributions themselves when they complete their own self-assessment tax return. They don’t have an employer to do it on their behalf.

www.tradesmansaver.co.uk/tradesman-insights/self-employed-national-insurance/

@SunShinesBrightly I don't get your point. What is the difference between saying they pay it "for you" or "on your behalf"? I just meant that if we are employers to our cleaners, we would be obliged to remit NI payments. I know self-employed do it themselves (I am self-employed).

yikerspipers

Someone upthread said that technically we should pay NI contributions FOR a cleaner.
On top of their wage.
I disagreed.

I get paid a wage. My employer takes my tax, NI and pension contribution out of my wage and pays it ‘on my behalf’.

I just meant that if we are employers to our cleaners, we would be obliged to remit NI payments. I know self-employed do it themselves (I am self-employed)

That would be a logistical nightmare wouldn’t it. A self employed cleaner may have 15- 20 clients a week. Imagine making sure that each client separately pays your NI contribution for their weekly hour or two hours?!

@SunShinesBrightly

yikerspipers

Someone upthread said that technically we should pay NI contributions FOR a cleaner.
On top of their wage.
I disagreed.

I get paid a wage. My employer takes my tax, NI and pension contribution out of my wage and pays it ‘on my behalf’.

But if you’re an employer you also have to make employers’ NI contributions, not just past the employee’s NI contributions to HMRC for them.

RobinPenguins

NI, Tax and pension are DEDUCTED from MY monthly salary. My employer pays them on my behalf.
If you are self employed you DEDUCT NI, Tax and pension from the money you make and pay it yourself. Or at least you should... some people don’t. They get every job paid in cash and declare nothing.

Just to add employers only pay a second NI contribution for their employees if they pay them through PAYE.
Some employers don’t pay any employer NI contributions if the amount falls under the threshold.

We don’t pay our cleaners NI and tax because we haven’t entered into a PAYE settlement agreement. Even if we did, we wouldn’t be paying them enough to qualify for employer NI contributions.

If I either of my posts wrong (middle of the night & early morning- I don’t sleep!) - feel free to correct me! I’m very tired! 😅

@SunShinesBrightly

RobinPenguins

NI, Tax and pension are DEDUCTED from MY monthly salary. My employer pays them on my behalf.
If you are self employed you DEDUCT NI, Tax and pension from the money you make and pay it yourself. Or at least you should... some people don’t. They get every job paid in cash and declare nothing.

Yes and then your employer also pays ANOTHER NICs and pension contribution FOR you as well, which is a cost to them not a deduction from your pay.

RobinPenguins
Xpost. See my post above yours.

Think we might be talking crossed purposes. Never mind.

RobinPenguins
Don’t worry, it’s early! 😅

@burnoutbabe

Yes agree it's a faff. Especially when it's something like £24 a time, so you need to make sure you have coins on hand too (so I went to bank and got a bag of 20 £1 coins that I put aside). Luckily price went up so it's £25 now.

Surely you would just hand over £25 in that case. Would you really quibble about one pound?

Pay them cash but tell them that you will have to declare it from your end you remain within the law. If they decide not to declare then that's their lookout.

@chocolateorangeinhaler

Pay them cash but tell them that you will have to declare it from your end you remain within the law. If they decide not to declare then that's their lookout.

What are you on about?

Who will you “declare” it to?

@chocolateorangeinhaler

Pay them cash but tell them that you will have to declare it from your end you remain within the law. If they decide not to declare then that's their lookout.

Why would you talk claptrap to them and make yourself look stupid?

When the OP does a tax return I guess, as an outgoing. Obvs if you don't do your own tax return nobody will know.

I don't understand how anyone could say they are never near an atm, you must never leave the house because they are everywhere.
Secondly it's really none of your business whether she's declaring it or not and it's odd you immediately came to this conclusion.

@JustLyra oh do tell us all your knowledge then. I'm guessing you're an accountant or tax lawyer. Looking forward to hearing the correct answer.
Obviously the tax lawyer that told me this is talking shit. I must tell her to come on MN in future and ask you instead.

Wait, what? you actually think this is a sackable offence? Christ on a bike. So you would sack someone for asking to be paid in cash.

If it were a sackable offence she would be an employee and the OP would have her on payroll.

She is running a business and customers can choose another service provider.