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Parenting

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Original poster

Child care nursury costs

119 replies

Vics100pink · 06/05/2017 15:47

We can't afford any fees up front, and would be asking the government for help, how does this work and do you register your baby then get the money how does it work can't afford anything up front for care

OP posts:

Are your children’s vaccines up to date?

Set a reminder

rollonthesummer · 08/05/2017 09:25

How much money is the entitled to website telling you that you will be entitled to?

Writerwannabe83 · 08/05/2017 09:33

My sister who also works for the DWP said the same as my mom, that an income of £2'500 is likely to be too high to qualify for Universal Credits.

I have a friend and her and her husband's joint income is less than totes and your husband's and thry have never been entitled to or received financial help for housing costs or childcare even though they have two children to pay out for.

My sister herself is a single parent, she has two children, her monthly income is about £1'300 and although she gets some financial help she doesn't get much (though she's obviously grateful for what she does receive).

If you don't feel confident enough to call the DWP for proper advice then do you have a local CAB office you and your husband could visit and get some advice from them?

I just think it's really important that as you are so worried and need to make plans that you have all the right information. Please don't feel overwhelmed or worried OP, we are all just trying to help

Bumbumtaloo · 08/05/2017 09:38

OP I'm not sure if you have looked at the tax credits website, I have found the 'cut off' points really useful for working stuff out. I'm unsure if you are in a universal credit area, as I'm sure you know it hasn't been rolled out nationally. I have attached the link for tax credits.

www.gov.uk/government/publications/tax-credits-entitlement-tables-working-at-least-16-hours-and-paying-childcare/tax-credits-entitlement-tables-working-at-least-16-hours-and-paying-childcare

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Bumbumtaloo · 08/05/2017 09:40

Ugh pressed post too soon!

When dh and I were working full time and had dd1 we would have received 50p per week housing benefit, we earned similar to what you said your income was.

Writerwannabe83 · 08/05/2017 09:44

So does that mean if the joint income is anything over £30'000 then they aren't entitled to anything?

And are the numbers in the column the total amounts of how much the family would receive over 12 months and it's then broken down into 12 payments?

I'm only asking on behalf of a friend and just want to make sure I'm giving her the right information. I will obviously give her the link too so thanks for putting that up Bumbum - it's very helpful!!

TheHobbitMum · 08/05/2017 09:52

OP is debts are what is crippling you have you spoken to Stepchange? They are a charity that help mediate debt repayments at an affordable level, they don't charge for their services like some companies. There is also Christians against Poverty (I think that's the name) and Payplan who do the same thing. You'll pay back significantly less than minimum payments if you can't afford to "live" due to debt at the moment

Hotpinkangel19 · 08/05/2017 09:55

Op I'd be very very amazed if you got housing/rent help, and nursery fee help on that take home of wages. I think you are over estimating what you will get. I doubt you'll get working tax credits, probably a small amount of child tax credit. Like someone suggested, speak to stepchange, as it seems your Debts are causing this problem for you.

Bumbumtaloo · 08/05/2017 10:04

Writerwannabe83 yes, there are several different attachments for various circumstances. The total figure is the yearly award but it would be divided by 13 as tax credits is paid four weekly not calendar monthly.

I have attached the main link, it's very useful.

www.gov.uk/government/collections/tax-credits-entitlement-tables

SimplyNigella · 08/05/2017 10:18

Can your DH take a few days holiday so you can do some Keep In Touch days with work that would be paid at your usual salary? Also remember you will be accruing holiday whilst you're on maternity leave so you could make the last few weeks or month of your maternity leave holiday instead which would then be paid.

munchkinmaster · 08/05/2017 10:26

Whenever you are on maternity leave you continue to accrue annual leave. You will have a chunk of this at the end of Mat leave you can use so can end mat leave using up this holiday on full pay. Call hr. problem solved.

munchkinmaster · 08/05/2017 10:27

Ah great minds and all that

SimplyNigella · 08/05/2017 10:48

drspouse · 08/05/2017 11:08

You may find your DH's employer is more generous than yours and if he took some additional paternity (or is it called shared parental leave now?) then he could look after the baby when you start back and he may get a bit more than SMP.

Not all employers pay KiT days, some just add them on as AL when you start back. However if your DH could take a day off for KiT days, and you worked, you might get some more AL (paid) to take when you start back.

Redlocks28 · 08/05/2017 12:11

It sounds like you may earn too much to qualify for much help?

PinkDaffodil2 · 08/05/2017 12:25

There's a good chance you earn too much to qualify for much help. If debt is the big problem have you spoken to anyone about this? Step change may be able to help.

rollonthesummer · 08/05/2017 12:48

Op-are those figures you gave us that you and your DP earn before or after tax?

Willow2017 · 08/05/2017 13:16

Are you sure you are in the area that does UC?
It isnt rolled out all over the country yet. You may get WTC which could help to pay for childcare, plus CTC but I dont know where you got the impression that the gov will pay your deposit or fees in advance. Why would they?

I know its scary but you have had 9 months to think about this and plan for going back to work. You dont need to go back for a while yet so double check what you will be entitled to, CAB can help you if you need it.

Check out childminders in your area sometimes they are cheaper than a nursery and do not ask for a big deposit (but many will). You need to check them all plus the nurseries in your area before you decide what to do.

Panicking isnt going to get you anywhere, you need to save as much as you can and get comparing childminders and nurseries in your area to see if any dont take a big deposit up front.

Good luck.

LittleBearPad · 08/05/2017 18:50

Primarily you have got to calm down. I know from experience having a 7 day old is incredibly tiring, your hormones will be all over the place.

A childminder may be a better option given the upfront fee issue. However when do you need to go back to work and is your income of circa £2,500 post tax.

BusyBee2017 · 08/05/2017 18:58

Check the nurseries terms and conditions because late payment could mean you are paying extra because some nurseries fine you for each day you have not paid.

Are you going back to work?
I got a full months wage from my employer a month before I went back to work because I had to take all my holiday before I went back so I got a month's salary so meant I could pay for nursery fees. DS started a week before I went to work

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