Maternity pay

[Kell91]

Feeling stressed wondering how wel manage when I'm maternity pay il be £350 down a month until i return to work
I'll only be paid £626 a month i usually take home £1000 it's a big drop my partners works but it's not enough for us to survive on without my wage we just about scraped by. I'm worried now that gas and electric prices are going to be very high :(

What will you do for childcare once you’re back at work?
Can you save anything now?
You’ll get child benefit and may get universal credit you can check here www.entitledto.co.uk/benefits-calculator/Intro/Home?cid=b533a843-6454-4ee1-bb31-3e6062880196
If you travelled to work you can also save on transport costs.
Baby doesn’t need much and you can get nearly everything second hand.

Are there any costs you can reduce or cut? What’s your joint income and outgoings just now?

I already 2 kids I'm aware I won't get paid child tax for my 3rd only child benefit.
Also my partner is at home with our girls while i work my evenings he works during the day.

There isn't a lot we could cut out without our girls going without the odd treat.

Depending on your monthly household income and if you rent or its mortgaged you may be better off claiming UC rather than tax credits.

Use the Turn2us calculator it gives a pretty accurate estimation showing if you would have more income on UC.

Can you go back to work earlier?

Also I've got baby items its just wondering how well manage paying enegry bills I'm worried about I've heard bills suppose to be £500 a month from January that works out most of my maternity pay. To think working will no longer pay makes me feel sick with worry.

If childcare is covered between you and so no costs would you consider going back to work soon?

Go back to work earlier especially if your partner is with the kids. It's not as though you will be needing to put a young baby in nursery. I went back when my ds was four months old as we lived in a country where there was no mat pay. There is no way you are better off not working.

If needs must yes although it would break my heart having to leave my baby so early on 😪 i wouldn't survive on £626 forever it just isn't enough to get by without scraping.

I'm not sure how to calculate UC or tax credits the tax credits says only to put down the first £100 a week of SMP so to do a mid year recalculation For December- September I've been told it works out around £3000 less over the 9 month's which is a lot taken into account energy bills.

£3000 less in earrings not uc or tax credits.

If you can’t afford maternity leave then you could go back to work after a few months.

UC is calculated on a monthly basis. In a calculator just put what your maternity pay will be to get a better idea.
tax credits goes off yearly income so it’s less accurate.

Well It might be an option but don't see why I can't enjoy my time of like those who dont work seem to do permanently it's not forever I've paid my national insurance and taxes into the system.

Why not tell people to not have kids if they can't work to pay for them always the workers that are criticised not these who do a days works.

Never ever do a days work*

People could also tell you not to have three children if you can't afford them. You are being very unreasonable. Your wage is low anyway so it's not as much of a hit as it is for women who are the main/higher wage earner. Either your husband gets a second job/does overtime, you do some work to top up your mat pay, you tighten your belts for a bit, or claim UC like the people you so casually deride if your income is that low.

Do you not have any savings? The drop isn’t THAT bad given it’s so short term.

To put it into perspective, my mat leave is ‘costing’ over £3k a month so I can only take off a very short period of time. (And yes I’m very fortunate, but rent is crippling and however you badge it, it’s a huge amount to be down each month).

My partner works enough hours Thank-you monday-friday and stays with our girl's while I go to work so no childcare he also pays his taxes and national insurance. Well have 3 kid why shouldn't we both work there's large families out there that have both parents unemployed raking it on the dole with all there kids born before the April 2017 cut of for 2+ Children. I know of people getting it all paid house holidays abroad while those who work pay for them were not scroungers just asking for some help for a few months so I can bond with my baby like the full time mums on benefits do.

Rant away love, but it'll change precisely fuck all. You're still looking at tightening your belts or going back to work a bit earlier than you wanted to.

Have you worked out what your energy costs will actually look like, in terms of what you will use (bearing in mind having a newborn at some point)?

It's a big drop for me as we are used to having around £2300 a month coming in but that will drop down by around 350 a month a month It's not good when we've got enegry bills going up.

No your right doesn't change fuck all but I'm entitled to rant. I only want a few months to bond with my baby why is it most people begrudge a working mother that time??? Unless shes wealthy or full time benefit claimant.

Hmm, did you not consider this prior to getting pregnant?

Make some changes like everyone else has to do when the go on maternity, or go back to work after!

I lost £26k in a year by going on mat leave. I saved accordingly beforehand. I also choose to have one child. You cut your cloth accordingly. Your attitude towards low earners is disgusting. You do know most people on benefits work?