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childcare help

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im starting a new job soon and have a young baby. I have looked into nursery but they want a £50 admin fee and £200 deposit..is that normal...im going back to work after having my daughter and it seem… Read More
mamamia7 Avatar
8y, 4m agoPosted 8 years, 4 months ago
im starting a new job soon and have a young baby. I have looked into nursery but they want a £50 admin fee and £200 deposit..is that normal...im going back to work after having my daughter and it seems so expensive £4.91 per hour...i will get £10of my wages after if pay for that. Why is it so hard for a mum to go back to work no wonder so many stay at home!! Do tax credits help with childcare?! i will only be working less then 20 hours a week but probably only will be in nursery for one day...also my partner works too.thanks
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mamamia7 Avatar
8y, 4m agoPosted 8 years, 4 months ago
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#1
Would a childminder not be a better option for you?
Oh by the way...it's expensive because there has to be 1 member of staff per 3 babies! It tends to get slightly cheaper as they get older.
#2
do you have to work so many hours or earn a certain amount of money for them to help though? thanks
#3
yes as above they pay 80% of it but not to family members even if they are registered as proper childcare.
#4
mamamia7
do you have to work so many hours or earn a certain amount of money for them to help though? thanks


minimum of 16 hours per week.
#5
Quite expensive admin fee and deposit. Mine was £20 and £100
#6
I don't know if there maybe anything here that might help you.

http://www.surestart.gov.uk/surestartservices/support/helpwithchildcarecosts/
#7
As long as you're (and your partner) working 16 hours a week, you will get help from the Child Tax Credits.

Also, ask your employers if they will do Childcare vouchers. As a basic rate tax payer, it can save you up to 816 pounds a year.

Also, quite a while off yet, but when the child is over 3, you get upto 12.5 hours a week funded childcare from the government and I think they've just anounced it's going up to 15 hours per week from 2010.

Let me know if you need pointing in the direction of any websites.
#8
They will pay UP TO 80%. All depends on your personal circumstances. My daughters nursery fees are £932 per month and we do not get any help. My other little one is starting in a few months at the same rate and we will get 15% help for each of them
#9
just go on [url]www.entitledto.co.uk[/url] and put all your details in they will tell you what you are entitled to.
#10
Some employers pay part of your wages in childcare vouchers, that way you wont pay tax on them, it may an option open to you?
#11
Trickyjabs
As long as you're (and your partner) working 16 hours a week, you will get help from the Child Tax Credits.

Also, ask your employers if they will do Childcare vouchers. As a basic rate tax payer, it can save you up to 816 pounds a year.

Also, quite a while off yet, but when the child is over 3, you get upto 12.5 hours a week funded childcare from the government and I think they've just anounced it's going up to 15 hours per week from 2010.

Let me know if you need pointing in the direction of any websites.


I do not think you can claim vouchers and tax credit together, can you?
#12
starsparkle2311
why've you changed your avvy? I much preferred your original one - change it back, I like your comments, you're confusing me now:w00t:


Cheers for that, Bill is one of my heros. However, I got the impression it was toooooo serious and people were taking my sarcy comments toooooo seriously!
#13
Is your family income under £66,350? If so, you may be entitled to benefits and tax-credits. Try http://entitledto.co.uk/, should make things a little clearer:)
1 Like #14
greyparrot
just go on [url]www.entitledto.co.uk[/url] and put all your details in they will tell you what you are entitled to.


beat me to it :oops:
#15
where you from?
#16
Shelby25
I do not think you can claim vouchers and tax credit together, can you?


Good question. You can, but one affects the other, there is normally stilla benefit in getting the vouchers over not getting them. This is a really good tool for calculating what is the best bet:

[url]www.hmrc.gov.uk/calcs/ccin.htm[/url]
#17
starsparkle2311
Funny thing on here, people judge you by your avvies!! I'm stuck with Simon Pegg, every time I try and change, people comment, I stick with it now just for a laugh!!! :pYou are quite sarky tho' and I like it, your previous avvy suited it,hahaha:thumbsup:


It's true! I think Simon Pegg is a legend, but his massive eyes in your avi always annoy me! :-D
#18
starsparkle2311
I only wish, my income was that high:roll:


Be thankfull you dont OWE that much! Read this http://forums.moneysavingexpert.com/showthread.html?t=1454555 today and found it truly shocking. She,s got over £6,000 coming in a month and still cant manage :w00t:
#19
my god shelby25 900+ per month that's more than I earn I'm in the wrong job!
#20
Trickyjabs
As long as you're (and your partner) working 16 hours a week, you will get help from the Child Tax Credits.

Also, ask your employers if they will do Childcare vouchers. As a basic rate tax payer, it can save you up to 816 pounds a year.

Also, quite a while off yet, but when the child is over 3, you get upto 12.5 hours a week funded childcare from the government and I think they've just anounced it's going up to 15 hours per week from 2010.

Let me know if you need pointing in the direction of any websites.


+1

Also, consider the type of environment you want your child to be in. Childminders work from home and the baby would then have one single worker with whom to emotionally attach. A nursery employs many workers and your baby may have one "keyworker" but actually be cared for by a succession of different people.

With my own children I was always more comfortable with childminders while they were babies. As they get older and need less one to one care, after school clubs and nurseries come into their own.

I'd advise you to go visit as many nurseries and childminders as you can. Ask to see Ofsted reports and to see children being cared for by the childminder/nursery. Are the children you witness happy and content? Is there a loving relationship between the children and their carers? Do they respond to the childs needs?

Don't make any decisions with regards primarily to cost but rather to the welfare of your child.

Hope this helps xx
#21
ClarityofMind
+1

Also, consider the type of environment you want your child to be in. Childminders work from home and the baby would then have one single worker with whom to emotionally attach. A nursery employs many workers and your baby may have one "keyworker" but actually be cared for by a succession of different people.

With my own children I was always more comfortable with childminders while they were babies. As they get older and need less one to one care, after school clubs and nurseries come into their own.

I'd advise you to go visit as many nurseries and childminders as you can. Ask to see Ofsted reports and to see children being cared for by the childminder/nursery. Are the children you witness happy and content? Is there a loving relationship between the children and their carers? Do they respond to the childs needs?

Don't make any decisions with regards primarily to cost but rather to the welfare of your child.

Hope this helps xx


Obviously Ofsted reports are a good indicator of a premises - you certainly don't want someone who is not adequate... though I would also say that a report is not always a be all and end all.

Use the reports as an indicator and use your gut feeling. How the children are responding, and whether they are happy is a good sign. Also are their art work displayed at all, are there photo's as evidence of play? Does a minder go to any play groups, the park or on any outings?

Childcare is certainly expensive - you might as well make it a good investment!
#22
Also,if you google " how to choose a childminder" and your local borough/council there should be some information on childminders online who may live close to you.

This is some of the information from this site

http://www.rbkc.gov.uk/childcareinformation/general/cis_choosing-a-childminder-guide.asp

"Some questions to ask when choosing a childminder
Ask to look around the home and garden. You will need to be shown all the areas that your child will have access to.

Where do the children eat, sleep and play?
Is hygiene and safety in the home what you would expect?
Is there a suitable range of toys, books and equipment and are they in good condition?
Ask how the childminder organises their day? What activities and outings are provided?

Ask how many children are cared for and what are their ages (including the minder’s own children). If other children are present, how does the childminder relate to them? Do they seem happy, calm and well occupied?

Ask how the childminder manages children’s behaviour.

Ask to see the childminder’s registration certificate, latest inspection report and current public liability insurance certificate. Weigh up your own observations and discuss the inspection report with the childminder to get a full picture of the quality of service being provided.

Ask what training or experience the childminder has had? Can the childminder show you training certificates and/or references? Nationally recognised qualifications for childminders include the ICP, DCP and ECP certificates (Introducing, Developing and Extending Childminding Practice), the Diploma in Home Based Childcare, the NVQ Level 3 in Early Years Care and Education, the BTec Diploma in Nursery Nursing and the NNEB. Childminders are also expected to hold a current First Aid Certificate.

Ask about the practical details - what do the fees include and what meals are provided?"

Hope this helps xx
#23
Not had a chance to read the thread, so not sure if anyone has mentioned them, but....

Ask your employer and your partners employer if they offer childcare vouchers - means you arent paying tax on that part of your wages then

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