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Is extra work worth it?

22 replies

Summertimeandlivingiseasy · 16/10/2021 20:19

Husband had a full time job and earns enough to be in the highest tax bracket. We have 4 young children and I work part time and don't earn enough to pay tax. After mortgage, bills, debts etc we don't have very little money left at the end of the month. Husband has been offered some self employed contracting work on the side. The extra money would be amazing but this would mean him working evenings and weekends leaving very little free time. My query is how would this work tax wise?? Is he then going to have to pay loads of tax on it? I don't think it's going to be worth his while if it is. Any advice before we decide? Can my lower earnings be used in someway to offset the tax implications?

OP posts:
SerendipitySunshine · 16/10/2021 20:26

He can offset the self-employed tax against any expenses or equipment he needs for his job, which can be useful.

helpthewhos · 16/10/2021 20:29

If he is in the top tax bracket then surely you are spending too much rather than not got enough coming in? Cut your costs rather than making your husband work more.

Fridgebotherer · 16/10/2021 20:37

As he will be paying tax at higher rate, you would have to think if the workload would be worth the extra effort. Personally, I would be looking at your current budgeting and expenditure and working on reducing that.

NC938738953685 · 16/10/2021 20:42

Money saving expert website. Look at the income tax calculator. Also has ‘marriage allowance’ info that may be relevant to you depending on how much you earn. Also look into if you will lose your child benefit if he earns more.

helpthewhos · 16/10/2021 20:55

Marriage allowance is only for basic rate tax payers.

helpthewhos · 16/10/2021 20:59

If in the highest tax bracket and earning over £150k then unsurprisingly there really isn't any help.

MrsFin · 16/10/2021 21:01

Get an accountant.

Zarene · 16/10/2021 21:03

Do you mean he's earning enough to pay higher rate tax (about £50k plus), or the highest rate tax (£150k plus?).

If it's the former, I can see why you might need some more family income. If it's the latter, there's clearly a spending issue somewhere!

Either way, he'll have to pay his marginal tax rate on his extra earnings, and as PP says the married tax allowance is only available to basic rate taxpayers.

Notashandyta · 16/10/2021 21:21

Reign your spending in and don't lose your partner as a husband and father.
You will look back and regret it.

Needanewadventure2021 · 16/10/2021 22:17

I'm confused. If he earns in the region to pay the highest tax band then how on earth do you need extra income? If you need more money earning that much then you really need to look at your spending.

I'm on the opposite end of the spectrum. I earn very little and would dream to be on such high salaries I read about. Fair play to people who are earning well. But having to live off so little I don't get how people can earn so much and still find money tight? I get that everyone has different lives but surely anything over 50k would afford you a nice comfortable life (only my opinion though). Anything over 100k would be absolute luxury to me

Cocomarine · 16/10/2021 22:48

Surely you just don’t know how to describe the tax band correctly?

Pea22ches · 17/10/2021 08:38

@Notashandyta

Reign your spending in and don't lose your partner as a husband and father. You will look back and regret it.
Yes. Sit down and work out a plan. Cut down on mobiles, Internet and so on.
SirensofTitan · 17/10/2021 08:52

Im going to assume you don't actually mean he's paying the highest rate. No one can tell you whether extra income is worth the takeaway from the family, that's something you'd need to decide but if you don't have enough money each month it would seem that one of both of you need to work more or cut down your spending. He'll pay tax on the money what ever type of employment he does it under.

GayParis · 17/10/2021 09:16

Agree with PP.

Sounds like you earn enough and need to sort out your spending.

saleorbouy · 17/10/2021 10:38

Would it not make sense to really track your finances and expenditure to see where you can reduce your outgoings. All the monthly subscriptions soon add up and are often not all necessary.
Your DH will pay his normal tax rate on his extra income so 40% or so will be gone.
Would it not be more efficient for you to pick up some extra hours as you will pay no tax now and a lower rate if earning over the threshold.
By reducing expenditure and earning a little more at least you won't be stressing your DH more and making less time for family time.
It depends I suppose if you want to live to work or work to live!

DaisyNGO · 17/10/2021 10:49

It's hard to say anything unless we know which tax band OP means.

VikingsandDragons · 17/10/2021 11:31

Self employed income will usually be worth it, as he can write off a lot of things as expenses towards it, so the tax usually works out quite low on the first 10k or so self employed before it starts to even out.

SirensofTitan · 17/10/2021 19:13

@VikingsandDragons

Self employed income will usually be worth it, as he can write off a lot of things as expenses towards it, so the tax usually works out quite low on the first 10k or so self employed before it starts to even out.
I do some self employed work at home that involves me doing stuff online. I'd love to know @VikingsandDragons what expenses I can deduct to get £10k tax free.

I asked an accountant I know and he couldn't suggest anything of any worthwhile amount so I'm very keen to find out what he's missed.

VikingsandDragons · 17/10/2021 19:47

I've been working on a combined self employed and employed basis for 8 years now, I didn't say tax free, I said low, as in I don't pay the same tax on that self employed work as I would do if I was earning it in my employed capacity, in general it works out closer to a dividend income rate than the standard income tax brackets for me at least, and when I started out and I was earning less than £5 or £6k a year self employed I never paid tax on that portion of my income, I always ended up with a small tax repayment from what I was paying on my main job due to the expenses I could claim through self employment, plus as a start up I had a lot of equipment and training to buy as well. I was certainly working self employed full time before I got my first tax bill from it. A big one for a lot of people is the ability to write off CPD courses as an expense (let's say you're a fitness instructor, so already qualified, but now want to do your yoga teacher training as well, you could claim that £4k as an expense, whereas you couldn't claim the initial training. You could also claim for say a course on using linkedin to generate sales because it's directly related to your business and not for personal use), as well as obviously computer, phone, broadband, vehicle costs (which for many are substantial and for me since I used my car a good 70-80% of the time for self employed work meant I could get a large tax relief allowance, I've since changed to a commercial vehicle so this works differently again), PL and PI insurances, professional memberships, if you work from home proportional costs on any designated workspace, any equipment, travel, workwear (logo/branded not just a suit but for example a plumber with 'Bill's plumbing' embroidered on his top could claim the top), marketing, advertising, stationary, printing costs, I don't know if they still do but HMRC used to run half day courses on what could and couldn't be claimed. Obviously it does depend what field you're in as to what allowances you reasonably can claim but when I got an accountant there were a lot of things I'd been missing, rather than over claiming. Any expense you claim has to be necessary for the business, not personal use, but with things like my phone for example, I easily use that 80% for business use, so I can claim 80%, however if I didn't have the business my bill wouldn't have been 80% lower, because the fixed flat costs such as the line rental and handset are there regardless, it's only the bundle that varies somewhat depending on use, if if I use it for 2 hours of calls a week personal use or 50 hours of calls business use my bill doesn't vary that much. My home broadband, I'd have that regardless, but I certainly need it for my business, so being able to claim a large part of it as an expense makes a difference. With a car or a new computer even the figures are even more stark. If you earn under £1000 you don't need to register for tax anyway as of a few years ago.

SirensofTitan · 18/10/2021 11:35

Thank you @VikingsandDragons for that information, none of those are costs that I incur so it looks like I was correctly informed that there's no legitimate way to reclaim any meaningful expenses

Dindundundundeeer · 18/10/2021 19:42

@SirensofTitan

Thank you *@VikingsandDragons* for that information, none of those are costs that I incur so it looks like I was correctly informed that there's no legitimate way to reclaim any meaningful expenses
Self employed earnings attract the same tax. End of. Offsetting real costs is a different issue.
ZenNudist · 18/10/2021 19:50

It's not worth it. Can you pick up more hours or are your dc not yet at school or preschool?

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