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

[Bermuda1102]

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

Exactly. This kind of shit is why people I know who were earning high salaries in London have upped sticks and gone to work in the Middle East or the Channel Islands.

Sick of paying enormous taxes, getting very little back and being monstered by the people whose healthcare, childcare and pensions they were paying for.

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.

Touché

So true @renthead

It all just stems from a place of envy. Nobody needs to be so involved in OPs life just because her husband earns over £100k 🙄

Good for him. ALL should be entitled to good quality nursery provision so they can go to work. Society needs children to be born and people need to go to work. It shouldn't evem means tested in my opinion. People in work pay more taxes the more they earn. Not to mention the VAT, capital gains, fuel duty etc that all goes back to the social pot.

Might add people are not having kids because they cant afford them. Afford to house them, pay nursery fees etc and what are we going to do in 50 years when there is a population collapse?

Being more supportive of working parents is a very good idea. Otherwise we are going to end up paying people to move to the UK and have children! I bet some of you will love that.

Where I live, childcare is subsidised but the level of subsidy is means tested. So everyone gets help from the government but people on low incomes get more help.

We have a high enough income to only qualify for the minimum level of subsidy. We have two children in crèche full time and pay around €1100 per month. People who qualify for the maximum level of subsidy pay very little.

I'm happy with this because I feel we are paying a reasonable amount for good quality childcare. We pay a lot in taxes but I don't have the feeling that we get nothing back. And I'm glad that people on low incomes pay so little because it means there aren't women who are unable to go back to work because the cost of childcare exceeds what they could earn.

If you are comfortably paying that and the maths are mathing then you must be in the top 5% of wealthiest families in country. Well done you, I wish you all the best and keep prospering.

However, OP has a family income of somewhere in the region of £130k and after paying housing and childcare, whilst living in London is struggling to understand how they can afford another child comfortably. I believe that is possibe looking at house prices, transport, food and childcare costs in London. They may well be people in social housing, getting free childcare and food support who have more disposable income than them. I hold nothing against those people either. We are all just trying to survive.

What we need is a government who supports people thrive.

@MargotBamborough just realised you seem to be in another country as you talk in euros. You might not be in the top 5% you might just be living in a place where tthe cost of living is lower.

@Amidlifecrisis 'This thread exemplifies the state our country is in. When the tories came into power 13 years ago they cynically and deliberately set about spreading a narrative where we are encouraged to attack each other as a means of undermining the whole concept of “the state”.

Benefits claimants are vilified as being undeserving scrounges and high earning taxpayers like the OP are attacked for daring to claim what they are entitled to.

So well done everyone who has piled in on the OP, you’ve fallen for it. Before long there will be no benefits available for anyone.'

Absolutely bang on comment.
Divide and conquer is working well here.

I don't think we are in the wealthiest 5% in the country, and our household income is less than the OP's.

€1100 for full time childcare for two children is cheap. I'm not saying it isn't still a chunk of our household budget but it's less than half what we'd be paying in the UK.

The UK needs to do more to support working families, but that money needs to come from taxes, and it's not fair to say to the people who are already paying the most in taxes, "We're going to keep squeezing and squeezing you until you have less and less left over every month but you aren't entitled to anything back because you can afford to manage without it." Which is what a lot of people in this thread seem to think should happen.

@MargotBamborough out of interest what country are you living in? It sounds better than the UK.

I'm in France.

Unless it's changed I had it 4 years ago and DH earns over 100k

It's very difficult to compare the cost of living. I can't even compare how much taxes we pay because in the UK everything was taken off via PAYE whereas here we have some taxes deducted at source and others we get billed for at random times throughout the year. We pay for our own health insurance and when we need medical treatment we pay for it ourselves and then some of it gets reimbursed by the healthcare system and some of it gets reimbursed by health insurance. I find it very difficult to keep track of it all.

When I first moved here I found food in particular to be eye wateringly expensive. Also clothes. There seems to be very little in between H&M and €400 dresses from fancy Parisian brands. So for a long time I used to carry on buying all my clothes in the UK and still do quite a lot when I am back. I also used to find a Waitrose shop unbelievably cheap compared to a supermarket shop here, but I think price rises might have been a bit more extreme in the UK in the last couple of years, because the difference is less noticeable now.

We paid €40,000 in taxes and €27,000 in estate agents' fees when we bought our property. These high sunk costs are standard and mean hardly anyone flips properties here because the transaction costs just aren't worth it unless you own the property for at least five years. But our mortgage is fixed at 1.1% for the entire lifetime of the loan, which is 20 years.

It's just completely impossible to compare the cost of living in the two countries and I've given up trying. But I do suspect that overall we are better off here.

I've been looking at moving to France for a better quality of life. Apparently the healthcare system is one of the best in the world. I also found a house with 8 bedrooms, swimming pool and stables that costs the same as a two bed here. I also found childcare that costs €3000 per annum. The only problem is when we closed our boarders to Europe they closed them to us, so now our government can serve us this big bowl of shit soup.

It is not playing the system to put money into your pension. It means you will be able to support yourself in old age. It will prevent claiming means tested benefits and may even go towards the cost of your care. That is why our tax laws encourage people to put in as much as possible.

The benefits bashing has started. People do realise most people reliant on benefits can't afford a big TV?

Always makes me laugh that it is okay to bury money in a pension in order to get 30 hours but heaven forbid someone on benefits wants to work less hours in order to not affect their UC or use UC to help top up wages due to shitty childcare options.

People aren't jealous of the salaries on here but more annoyed at the complete lack of awareness. Reminds me of the "let them eat cake" myth.

@ginandtonicwithlimes see my post above about why I am in support of anyone putting extra money into a pension pot.

I think it is wrong for people to be reducing their working hours due to the universal credit rules. It is the rules that are wrong though and everybody has to work within them. Ideally a person in that position would have the motivation and support to work their way up and out of the benefits system.

I disagree. There is deep seated jealousy. You see all the horrible bashing. It is vile.

Do you think "I pay for your benefits" is nice either? Seen that a lot. Yes I can imagine some might be jealous but I have noticed a real lack of awareness of that there might be very poor people reading this. I can see why some might react to "£130k isn't that much" if you can't pay your bills. I saw a £90k earner putting themselves on a low earner thread. OP should have just asked what they are entitled too and left the rest out. Surely you can understand the reaction to that?

I actually did state that OP's taxes paid for benefits. It is FACT. especially when it was being bandied about that she was trying to scam the system for 15hours of childcare and being a burden to the tax payer. It seemed that people really didn't understand how benefits work.

I can understand the reaction to some that £130k is a lot. But to be bitter that someone earns that is beyond me and the mean comments of you chose to have kids, you can live in a smaller house just beggar belief.

She provided her earnings because of her confusion over the threshold and also irritation that 2 people earning 90k each and therefore 50k more than her household were entitled to this benefit. It wasn't a stealth brag.

But "burying your money in a pension" also has benefits to wider society.

It means you are more likely to be self sufficient in your old age and less likely to need the taxpayer to help fund your care.

@MargotBamborough

no, they could have bought a more modest home instead of the max that they could borrow.

And you know how big the OP's home is because.....?

Jelly beans!