SAHM, Child benefit and national insurance contributions

[Oli5]

Just wondering what people do if they are a SAHM and their partner earns over 60,000. Do you still apply for child benefit as it goes towards your national insurance contributions ?

You can register the children for child benefit and either 1) opt out of getting the payment or 2) get the money and then the higher earner has to complete a self assessment tax return to pay the money back.

Both methods ensure you get your NI credits.

That’s brilliant I didn’t know I could opt out of getting the payment. Thank you

I applied for it and opted out of the child benefit so I could continue to get the NI contributions.

Hi sorry to butt in.

How do I pay NI Contributions. I've not worked for years and I'm worried I'll have no pension.

You're best to contact hmrc about NI payments

If there is any chance your husband may not get over £60k one year for example due to a different job or reduced bonus etc I would not opt out because if you do there will be a delay to opt back in whereas if you continue to get it then you wouldnt need to repay.

I would claim it and just get your husband to pay the charge on his tax return. Then you have some money coming in whatever happens in future.

Claim it.
Get the money - put it in a bank account so you have easy access to borrow from.
If you claim from start of tax year in April 22 then he'd have to do the self assessment in May 23 and you'd have to pay it back by Jan 24.
My exDH was always useless at claiming expenses on time and so it was useful to have a slush fund to raid to pay the credit card bill and then repay when he got the money back. Ditto for booking holidays.
But only works if you are disciplined