Meet the Other Phone. Child-safe in minutes.

Meet the Other Phone.
Child-safe in minutes.

Buy now

Please or to access all these features

Money matters

Find financial and money-saving discussions including debt and pension chat on our Money forum. If you're looking for ways to make your money to go further, sign up to our Moneysaver emails here.

Can I pay husbands stamp?

10 replies

NCjune20 · 18/06/2020 19:56

I'm currently SAHP while DH works full time. I was planning on going back to uni in september to study my masters in my field to ease going back into workforce but I have since been offered a fantastic job opportunity with a high wage (only applied for the interview experience - it's a position I would have been working towards after my masters).

Just had DC3. The deal with my DH was if we had 3rd baby, we would swap roles and he would be the SAHP. While I've been at home, DHs wages were lower than the child benefit threshold so this protected my stamp. However if I take this new position my earnings will be over the threshold so DH wont have the same protection. Is there a way to pay the equivalent of his NI (or whatever contribution it is) to protect his stamp?

(So as to not drip feed, our DD2 has additional needs that can only be facilitated by a SAHP )

OP posts:
Chasingsquirrels · 18/06/2020 19:58

He can still register for child benefit to get the NI contribution but elect not to receive it due to your income.

Itsallthedramamick · 18/06/2020 20:07

I have no idea if what chasingsquirels says is correct but either way you can definitely make voluntary contributions if you don't have enough qualifying years of NI. You can register and log in to Gov Gateway online to check your qualifying years

NCjune20 · 18/06/2020 20:08

Thank you both!

OP posts:
Lovelydovey · 18/06/2020 20:08

Isn’t it the case that the primary carer (and claimant of child benefit) can gain those “stamps” by claiming child benefit even if they repay it due to their partner earning over the threshold?

RedCatBlueCat · 18/06/2020 20:08

Register for child benifit, and choose not to receive it. He will get the NI credit, so long as the child benifit is in his name.

Chasingsquirrels · 18/06/2020 20:10

www.gov.uk/child-benefit-tax-charge

The child benefit entitlement will have to be transferred to his name though.

dementedpixie · 18/06/2020 20:10

Yes he should register for child benefit and opt out of payment and then he gets NI credits until your youngest child is 12

Natmat1 · 18/06/2020 20:13

Depending on your earnings you can either choose to pay a High Income Child benefit charge, this means you receive the benefit and pay back certain amount via tax. Or if you opted out you husband should be able to pay voluntary NI. I did this few years ago and it was not a great deal of money.

www.gov.uk/voluntary-national-insurance-contributions

dementedpixie · 18/06/2020 20:16

You don't need to actually get the money to get NI credits. If he claims child benefit and opts out of payment he still gets NI credits

NCjune20 · 18/06/2020 20:47

Brilliant, thank you everyone!

OP posts:
New posts on this thread. Refresh page