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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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Original poster

AIBU to expect a take home pay of roughly £920 from an annual salary of £11,745?

174 replies

AlohaMolly · 25/03/2022 06:38

A month ago, I took a new job that paid around £700 more annually than my previous job. More money on paper and also in practice because of the difference in commute. The annual salary was £11,745. Ive just been paid £787 for my first month of work and I can’t figure out how that works? I absolutely gutted as it’s roughly £150 less a month than I was earning before. Have I been really stupid? I asked about the annual salary, not the monthly one and did some rough calculations based on the NIC I paid in my last job. I feel like such a fool, this job was supposed to better my life.

OP posts:

WaterBottle123 · 25/03/2022 07:04

You haven't worked a full month, that's all it is. My pay day is the 25th and I had the same in my first month, as like you I started on the first day of the month

LabelMaker · 25/03/2022 07:06

I don't think the tax code knows you're only doing 39 weeks so it just applies it as if you're earning this much every month.

Beachhuts90 · 25/03/2022 07:09

When I was a TA I had the same problem. I had to call HMRC as it didn't sort itself out in the first couple of months, and they fixed my tax code on their end. The next pay period I got a refund of all of that tax in my direct deposit.

AllThatFancyPaintsAsFair · 25/03/2022 07:10

You didn't do the wrong thing by not aking about the take home pay

That's not a thing as the answer depends on your personal circumstances, they wount have been able to answer that question anyway

ChessieFL · 25/03/2022 07:14

It could also be pension contributions. If you are working in a school you will almost certainly have been enrolled into the Local Government Pension Scheme with contributions of 5.5% - is this higher than any contributions you were paying in your old job?

It will be a combination of that and an emergency tax code (as you said you haven’t given them your P45).

The tax will get sorted. You can opt out of the pension scheme but I wouldn’t recommend it, the LGPS is one of the best pension schemes you can get.

Arlophinius · 25/03/2022 07:23

If you're a teacher don't they take a little bit of pay each month to cover the half terms and stuff?
I could be completely wrong though!

implantreplace · 25/03/2022 07:27

It will be very straightforward to work out if a mistake

Look at your pay slip
Ensure paid for the entire period
Ensure correctly taxed, correct pension contributions etc.

Mumsnet can’t help you
Your pay slip can

SheWoreYellow · 25/03/2022 07:31

@Arlophinius

If you're a teacher don't they take a little bit of pay each month to cover the half terms and stuff? I could be completely wrong though!

Yeah, OP, from what they said it sounds like you’re going to be paid for 39 weeks.

GnomeDePlume · 25/03/2022 07:33

Pension contributions the same percentage as before? If you are paying a higher contribution then you are earning more just saving more for your retirement.

shabbalabba · 25/03/2022 07:34

Why are TA's paid so little!!?? In Ireland you would be paid 25k to START!!

Brideandprejudice · 25/03/2022 07:35

You didn't work a full month

Papayamya · 25/03/2022 07:37

Have you calculated it over the 39 weeks rather than the annual wage?

Soontobe60 · 25/03/2022 07:38

@Arlophinius

If you're a teacher don't they take a little bit of pay each month to cover the half terms and stuff? I could be completely wrong though!

No they don’t. Teachers get paid 1/12 of their salary each month. TAs get paid for 39 weeks but get it spread out evenly so also get 1/12 pay each month.

ChicCroissant · 25/03/2022 07:40

[quote AlohaMolly]@Mayvis yes I have, how did you guess? the email I had, with confirmation of the wage, was worded like this -

The pay for 26.25 hours a week would work out at a minimum annual salary of £11,795 which is based on working 39 weeks of the year.[/quote]
Assuming this is a school, your pay is based on you working 39 weeks of the year but it's likely you are paid over 52 weeks of the year which would make the monthly total less than you were expecting. So the £11,795 would be paid over 52 weeks (£226 per week) not 39 (£302 per week).

SheWoreYellow · 25/03/2022 07:40

I think it comes down to when they gave you annual salary, do they mean that’s the pay IF you were doing 52 weeks, or do they mean this is the pay for 39 weeks. It could be either.

YingMei · 25/03/2022 07:40

I've had quite a lot of jobs over the last few years for various reasons - every single time I've ended up emergency taxed in my first month. It's the likely reason. They end with W1, M1 and X.
check you pay slip and if it ends like this, then give the HMRC a ring. It's very quick to sort out - they will issue you a new one and tell your employer too, then you get the tax back in the next month. Do it quickly though so it's definitely all sorted in time for your next pay day.

SheWoreYellow · 25/03/2022 07:41

@Soontobe60 see, “TAs get paid for 39 weeks but get it spread out evenly so also get 1/12 pay each month.”

I think that IS them taking a bit each month to spread it over the 39.

Shinyandnew1 · 25/03/2022 07:41

TA pay is abysmal-I’m not sure people realise how bad. I’d check with the business manager in the office today if that’s right.

LakieLady · 25/03/2022 07:45

@Darbs76

Did you give them your p45? They need to ensure you’re on the right tax code. You probably aren’t. Call your HR dept as clearly you shouldn’t be getting less

HR don't issue tax codes, HMRC do. Employers can only tax according to the tax code, and if they don't have one, they have to use a BR code which means you pay 20% of all your earnings, because they don't know what your personal allowance is.

Once the OP has given them her P45, they'll know what the tax code is, it should all be straightened out and any overpaid tax should be refunded. This may not happen by next payroll run though.

AllThatFancyPaintsAsFair · 25/03/2022 07:47

[quote SheWoreYellow]@Soontobe60 see, “TAs get paid for 39 weeks but get it spread out evenly so also get 1/12 pay each month.”

I think that IS them taking a bit each month to spread it over the 39.[/quote]
No it isn't, if anything it's the opposite

They are paid for 39 weeks of work divided by 12 so it's the same amount per month.

Titsflyingsouth · 25/03/2022 07:48

I had something similar my first couple of months due to tax codes etc. All got sorted once I was on the correct tax code....

freedaym · 25/03/2022 07:49

If you're a teacher don't they take a little bit of pay each month to cover the half terms and stuff?I could be completely wrong though!

Teachers get paid for 39 weeks but their salary is based on that so eg a UPS will be 46k but divided between 12 months.

Support staff salary will also be paid across 12 months

ChicCroissant · 25/03/2022 07:50

It still works out as the same annual rate OP, but you are not working for a quarter of the year so you have that. Definitely pass your P45 in, and see if that changes the tax at all.

freedaym · 25/03/2022 07:50

Have you calculated it over the 39 weeks rather than the annual wage?

Anyone working 39 weeks will still get holiday pay so you would get paid for more than 39 weeks

SheWoreYellow · 25/03/2022 07:50

I think we’re all saying the same thing, with the spreading it out thing!

It’s pay for 39 weeks but delivered in 12 monthly instalments.

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