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Paid childcare

Discuss everything related to paid childcare here, including childminders, nannies, nurseries and au pairs.

How on earth does anyone afford a nanny ... feeling despondent!

40 replies

RooTwo · 14/05/2016 13:55

We are looking for a part time nanny for our 2 year old and I'm just feeling so despondent about the costs. How does anyone afford this?? It's going to eat into most of my salary.... we need a nanny rather than a childminder as we need someone to pick up our older 2 from school as well. So we are looking at £11/12 an hour net; it's just so much money! Do I just grin and bear it and accept it's just for a reasonably short period of time? My daughter can go to school nursery next Sept ...

OP posts:
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bluecarpet · 16/05/2016 22:10

In London, the sort of people you refer to MrsFogi still command nanny type salaries!

Blondeshavemorefun · 16/05/2016 22:42

Agree don't look at using all your salary. So work out from you and hubby

It won't be forever

Mums usually do it as keeps their career going. if they have a career/baby break they will lose their position. They want more then be just mum. It's not forever paying high childcare fees

chablis your nanny should pay her own insurance and first aid - it's part of being a professional nanny

Plus if you ever have to sue her for costs due to medical /long term care - insurance may not pay out as kinda suing yourself

Blondeshavemorefun · 16/05/2016 22:48

Just qual Norland apparently command higher salaries then many years qual NNEB /btec nannies etc

And yes us qualified nannies who studied hard at college to get a childcare qualification get very offended when people just decide they can look after children and try and command same salary as we have earnt over the years

Yes a nanny is a cost. But a good one is worth and esp with 3 children

danafoster · 17/05/2016 15:15

Hi
Have you looked into an Ofsted registered nanny then you can claim some back through Working Tax? I have a small family run nanny agency. Email me for more help if you need it: [email protected]

Cindy34 · 17/05/2016 16:59

What is the maximum income a family can have and still be able to claim childcare element of working tax credit? I imagine that it is only available to low income families and thus they would not typically have a nanny, or is that a misconception of working tax credit?

bluecarpet · 17/05/2016 18:17

I'd be amazed if there was any overlap between tax credit income and affording a nanny income. Happy to be corrected though! Just a stealth ad for the agency.....

RooTwo · 17/05/2016 21:23

Thanks all for thoughts. If only we had room for an aupair, that is what we would do - it'd suit us so well. But we don't have enough space ...

In terms of affording a nanny with our combined salaries, we earn decent wages, but it's stretching us hideously at the moment with what we pay, and we are having to look to pay more with our next nanny. We've been doing some sums and just realising we can't manage to pay £13/14 gross an hour. I think I am going to have to think of some different options (giving up my job?!! Confused

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MrsFogi · 18/05/2016 20:16

bluecarpet I was in London whilst employing childcare (and plenty of other friends in London have done the same). RooToo really look outside mn as many people don't dare to say they are paying less than top whack qualified nanny rates but lots are in rl.

redhat · 18/05/2016 20:20

Could you have your 2 year old in nursery and the older two go to an after school club?

bluecarpet · 18/05/2016 21:03

mrsfogi I think what you really mean is that lots of people pay cash. Fine - if you want to take the risk. I know someone whose nanny left after a disagreement - soon afterwards HMRC got in touch about her paying cash. She had a huge fine and the next year her and her husband got their tax returns audited. If you are a professional in the finance industry, or a medic or various other things, being found to have avoided tax in this way could be career threatening.

lots of people do it, most don't get caught. you feelin' lucky?

MrsFogi · 20/05/2016 10:58

No bluecarpet I have never paid cash (always through NannyPaye, including redundancy pay and maternity pay).

Cindy34 · 20/05/2016 11:42

Through social media many more young people are aware that their employers must declare their earnings to HMRC, so whilst there are bound to be some people still accepting cash-in-hand, many nannies will be being paid correctly.

It is hard to know though as there is:

No central register of childcare workers.

No central register of parents who have someone working in their home.

The total number of people working as a nanny in the UK is unknown. There is a figure of 100,000 that sometimes comes up but I can't find where that ever came from - maybe a census many years ago.

There is a known number of those on the Ofsted childcare register but some of those will be over8's childminders.

Each nanny payroll company knows how many nannies are working but they don't share that figure with anyone. Some payroll companies are big others are tiny.

HMRC don't know how many nannies there are. If parents are not running payroll correctly then HMRC won't know.

There are nannies who work so part time that they earn under the amount where their pay needs to be declared.

So whilst cash-in-hand does still happen I feel it probably happens less than it used to as more people are aware that taxes have to be paid. Nannies will stand up for their rights more, they talk to each other via Facebook groups, Whats App, so I feel they are more aware of what rights they should have at work. Perhaps I'm wrong. An isolated nanny may well not know that they should have tax deducted from their pay. How many are isolated now... given the internet, social media and smartphones.

I hope the days of cash-in-hand are numbered, though I doubt it will ever disappear completely.

Does anyone know a nanny being paid £300-500 per week cash-in-hand, is that really still happening?

bluecarpet · 20/05/2016 12:55

Cindy34 I know of three live-in nannies who work 6 days a week and are paid about £250 per week cash because their employers refuse to do it properly.

Cindy34 · 20/05/2016 16:42

If that is 5 hours per day then may not be that bad but if it is 10-12 hours per day then not so good.

Why did they apply for those jobs? Sure they may not have known it was cash-in-hand but they should have known working hours and pay prior to accepting.

Are they aware that they should be having their taxes deducted from their salary? If not, then is that information not getting to certain nannies for a reason, language barriers, isolation, something else? Hard to report an employer when they provide a roof over your head, so makes for a difficult situation. Guess that is why those families do it, they know the chance of being reported are slim. What can be done to give workers like them more protection?

bluecarpet · 21/05/2016 07:44

Nope. full time. catering for evening dinner parties too. Fully aware - employer refuses to do anything about it. It's disgusting, these are wealthy people.

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