Page 8 | Husband earns over 100k. Do we get 15hrs free funding?

Bermuda1102 · 2023-10-09T17:34:02+00:00

Sorry I know a lot of people have asked this but I’m still confused. My husband earns over 100k. I earn 30k. our son will be 2 in Jan 2024, so come April 2024, will we receive 15hrs funding from the government? Then, if we are to have another child (not pregnant yet), by the time other child is born, when they start nursery, they too will get 15hrs? Someone said you get nothing if one earns over 100k, but I thought EVERYONE gets 15?? it’s so irritating if you compare our situation to parents who both earn 90k each. I know we’re fortunate but with my husbands salary comes higher mortgage payments and we live and work in London. anyway, I hope someone can answer this for me. thank you so much

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MargotBamborough · 10/10/2023 08:11

AutumnWellyBootsandScarf · 09/10/2023 18:48

Just like you have an
opinion on this re parents who both earn £90,000 I have an opinion on your situation

its a piss take, taking the 15 free hours. It's killing nurseries. It's just selfish when you earn enough to pay for it.

you weren't forced to buy a bigger house (thus have a bigger mortgage, you chose & you chose to have a child/children.

take some responsibility for your choices!

I'm pretty sure all of the people benefiting from their 15 or even 30 hours' funded childcare chose to have children.

What on earth has the fact that the OP chose to have children got to do with anything?

We do actually need people to choose to have children, otherwise there will be no taxpayers left in 50 years' time.

HelpMeGetThrough · 10/10/2023 08:18

I know we’re fortunate but with my husbands salary comes higher mortgage payments

No it doesn't, you did that.

Musiclover234 · 10/10/2023 08:18

Do people really think that any government will actually go through with these policies or that it will work and be that all those extra places and hours will be easy to access if they do? I wouldn’t be planning around those given dates.

The early years sector is already struggling, staff are leaving, not enough are training, nurseries can’t afford the higher bills and many end up closing. The so called free places/hours are poorly subsidised by the government and that’s why nurseries charge for extra as it doesn’t cover the actual place.

Hibiscrubbed · 10/10/2023 08:22

Startingagainandagain · 09/10/2023 18:47

Seriously? do you really think the taxpayer should pay for your childcare considering what your joint income is?

Well, the government does. From three. So try to keep a lid on your bitterness, it’s not remotely helpful.

MargotBamborough · 10/10/2023 08:27

HelpMeGetThrough · 10/10/2023 08:18

I know we’re fortunate but with my husbands salary comes higher mortgage payments

No it doesn't, you did that.

Sigh.

Out of interest, how many cheap two bedroom homes do you think there are within a reasonable commuting distance of central London where most of these well paid jobs are?

MargotBamborough · 10/10/2023 08:31

Just to give you an indication, I just did a quick search on Rightmove for two bedroom properties in Croydon, which is not even particularly close to Central London but reasonably commutable to Canary Wharf.

They're not cheap.

The cheapest one I could see from my quick search was 325K, which sounds quite reasonable until you see that it has a short lease and that the kitchen, living room and dining room are all in the same room.

AutumnWellyBootsandScarf · 10/10/2023 21:05

potatoheads · 10/10/2023 07:34

What makes you think it's a big house. Do you even have a clue how much houses commutable to London cost?

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@potatoheads of course I do, but this is bullshit

but with my husbands salary comes higher mortgage payments

your mortgage is chosen, not forced on you due to income!

also, I didn't say it was a big house! I said a bigger house, I doubt they chose the smallest/cheapest house possible.

MargotBamborough · 10/10/2023 21:22

AutumnWellyBootsandScarf · 10/10/2023 21:05

@potatoheads of course I do, but this is bullshit

but with my husbands salary comes higher mortgage payments

your mortgage is chosen, not forced on you due to income!

also, I didn't say it was a big house! I said a bigger house, I doubt they chose the smallest/cheapest house possible.

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You do realise that if they didn't have a big mortgage they would have to rent a property within commuting distance of the well paid job instead, yes? And that that wouldn't be cheap either?

Oliotya · 10/10/2023 21:49

AutumnWellyBootsandScarf · 10/10/2023 21:05

@potatoheads of course I do, but this is bullshit

but with my husbands salary comes higher mortgage payments

your mortgage is chosen, not forced on you due to income!

also, I didn't say it was a big house! I said a bigger house, I doubt they chose the smallest/cheapest house possible.

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Why exactly do you think the highest earners/biggest tax payers should be content with the "smallest/cheapest house possible"?
FWIW, we bought a cheaper house, so now we spend £600 trains. Bargain right?

Tailfeather · 10/10/2023 22:17

Startingagainandagain · 09/10/2023 18:47

Seriously? do you really think the taxpayer should pay for your childcare considering what your joint income is?

They ARE the taxpayer!!! The bitterness on these threads is just incredible. You can't just expect higher earners to work their arses off and pay huge amounts of taxes with absolutely no motivation or incentives at all. That's like saying they should have to pay for private schools and private healthcare, when they are already paying for these services through their taxes.

JustAMinutePleass · 10/10/2023 22:23

MargotBamborough · 10/10/2023 07:33

Totally get where you are coming from here.

What most people completely fail to acknowledge in these threads is that people earning six figure salaries usually have jobs based in central London and work long hours. You very rarely get paid that kind of money in the regions, or doing 9-5, and if you do the chances are you're closer to retirement age and don't have young children in nursery.

I'm not in the UK but I work full time and have young children in a crèche which closes at 6:30pm so whichever one of me or my husband is picking them up that day needs to leave work by 6pm at the very latest. Even 6pm would be considered an early finish in some of these very well paid city jobs. You can't add a ridiculously long commute to that. You just can't.

It's all very well saying people with high salaries and high outgoings have chosen the large mortgage, but you try doing a high powered well paid job in London and commuting in from a cheap town in the Midlands. It's just not realistic.

So the reality is that the kind of people with these six figure salaries will be paying a fuck load of taxes, servicing huge mortgages, paying for very expensive childcare, and paying more for just about everything from groceries to travel to parking in London and the South East. They just don't have the kind of disposable income that others seem to think they do.

And yes, these things are choices. They could choose to live in Nottingham and do a 30k a year job instead. But if everyone made that choice there would be much less tax revenue to pay for everyone's free hours, wouldn't there?

Edited

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depends on the sector. Most people I know who earn 100k+ work for the civil service / NHS in jobs that just wouldn’t exist in the private sector as they’re such wastes of money.

PaprikaPlease · 10/10/2023 22:58

I can’t believe how bitter people are being here! Just scroll on past if you can’t be helpful. Not OP’s fault if your family are not doing as well as their family.

PurpleMonkeys · 10/10/2023 23:02

People get mad when other people take tax money for things they don't need.

I've been called a scrounger and a scum bag because I have a mobile phone and a TV.

I'm sorry for taking £340 a month tax payer money, I really am, i feed my kid with most of it.

Oh but yeah someone in a £130k household taking tax payer cash, sure, fine, go ahead.. hell, you can play the system if you pay some of the wage into a pension... that's fine, it's the people starving that get £3.50 more than they should that we should crucify for scamming the system..

👍

Tailfeather · 10/10/2023 23:15

@PurpleMonkeys the people earning the money snd paying their taxes are using these 15 hours that they are ENTITLED to so they work and will be paying back into the system. There are many more who don't work, claim benefits, but don't the the funded hours to get some work, but see it as free hours to do the housework etc, all of which we do on top of working full time. There have been plenty of entitled people on threads on mumsnet who have admitted that.

Myfabby · 10/10/2023 23:17

PurpleMonkeys · 10/10/2023 23:02

People get mad when other people take tax money for things they don't need.

I've been called a scrounger and a scum bag because I have a mobile phone and a TV.

I'm sorry for taking £340 a month tax payer money, I really am, i feed my kid with most of it.

Oh but yeah someone in a £130k household taking tax payer cash, sure, fine, go ahead.. hell, you can play the system if you pay some of the wage into a pension... that's fine, it's the people starving that get £3.50 more than they should that we should crucify for scamming the system..

👍

Her husband and her are tax payers. They pay close to 30k a year in taxes. To make it very simple, that 30k sits in a large pot from where your £340 is taken and given to you. Be grateful. The end.

Tailfeather · 10/10/2023 23:22

@Myfabby well said.

Startrekkeruniverse · 10/10/2023 23:30

Myfabby · 09/10/2023 19:18

Her husband pays over 27k in tax annually based on 100k. He is 'the taxpayer"

Why should they be deprived of any benefits they are entitled to?

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Well said. Who is this magical “taxpayer” people keep referring to….as if OP and her husband aren’t themselves taxpayers 🤣

Startrekkeruniverse · 10/10/2023 23:31

Tailfeather · 10/10/2023 23:15

@PurpleMonkeys the people earning the money snd paying their taxes are using these 15 hours that they are ENTITLED to so they work and will be paying back into the system. There are many more who don't work, claim benefits, but don't the the funded hours to get some work, but see it as free hours to do the housework etc, all of which we do on top of working full time. There have been plenty of entitled people on threads on mumsnet who have admitted that.

👏👏👏👏

Bloodsweatntears · 10/10/2023 23:33

Startingagainandagain · 09/10/2023 18:47

Seriously? do you really think the taxpayer should pay for your childcare considering what your joint income is?

Considering the family pays over £30,000 a year in taxes, it seems reasonable that they should benefit from the public services they help to fund.

Bellabelloo · 10/10/2023 23:44

PurpleMonkeys · 10/10/2023 23:02

People get mad when other people take tax money for things they don't need.

I've been called a scrounger and a scum bag because I have a mobile phone and a TV.

I'm sorry for taking £340 a month tax payer money, I really am, i feed my kid with most of it.

Oh but yeah someone in a £130k household taking tax payer cash, sure, fine, go ahead.. hell, you can play the system if you pay some of the wage into a pension... that's fine, it's the people starving that get £3.50 more than they should that we should crucify for scamming the system..

👍

So using taxpayer money to get a nice telly if you don't work is fine. But you don't want the person with a young child who worked their ass off and contributed towards that telly to use childcare they have paid for through their taxes that they are entitled to and encourages them to stay at work, in turn contributing more in taxes?

PurpleMonkeys · 11/10/2023 00:02

Perfect examples of the exact types.of responders I was critical of.

Beautiful. Well done. 👏🏻👏🏻

GeorgePig86 · 11/10/2023 00:14

Given her husband is earning 100k he is paying significant income tax so why should they not be entitled to it. Taxes aren't just there for poor ppl

MargotBamborough · 11/10/2023 06:11

PurpleMonkeys · 10/10/2023 23:02

People get mad when other people take tax money for things they don't need.

I've been called a scrounger and a scum bag because I have a mobile phone and a TV.

I'm sorry for taking £340 a month tax payer money, I really am, i feed my kid with most of it.

Oh but yeah someone in a £130k household taking tax payer cash, sure, fine, go ahead.. hell, you can play the system if you pay some of the wage into a pension... that's fine, it's the people starving that get £3.50 more than they should that we should crucify for scamming the system..

👍

Who do you think puts your £340 a month into the pot in the first place?

sallysausagedig · 11/10/2023 06:24

PedrosHag · 09/10/2023 18:48

it’s so irritating if you compare our situation to parents who both earn 90k each. I know we’re fortunate but with my husbands salary comes higher mortgage payments and we live and work in London.

🎻🎻🎻

😂😂😂😂 👌

FluffMagnet · 11/10/2023 07:00

I am appalled at the sudden rise of absolute hatred recently between people of (in the grand scheme of things) relatively similar pay brackets.

If I get this right - OP and DH are far to wealthy to consider using the free hours they are entitled to as it uses up taxpayer money, yet on other threads, how dare parents NOT take up the free state education place to which they are entitled using taxpayer money, and instead fund their child's education privately.

Jealousy is an evil thing. I doubt most people in OP's situation are tax dodgers if they are in the PAYE system. Anger is being misdirected at those who only have a little more than them in terms of disposable income.

OP - I am sure your nursery will know what to do and help you along the way.