Mother of all conception months Graduates

[PeanutBean]

Oh I see, yes we only have the vouchers not the nursery.

 

[molly85]

ahhhh I feel so bad about this ruddy list I am writing. so hard to do as they will either take offence or not bother

 

[PeanutBean]

List?

 

[madcatwoman]

well thanks for letting me know about their balls!, im sure DH will be highly amused!.

well, im sat in our new office now, babies room is empty and ready for painting.

 

[molly85]

myparents have really let their house get out of control. the carpet is over 50 years old and barley there. lots of black cobwebs dust to your euy balls. the kitchen sink unit is rotten. my mum has no cleaning skills and no eye site to do it. my dad has given up and thinks he might as well join her. its squalid an smells plus they have 3 dogs. who are big and boistrous and get very filithy. they want to have abby over and look after her, but I cannot let her go there until its much cleaner.

 

[PeanutBean]

Oh dear molly. Though our kitchen sink sideboard is rotten too. Do they have the money to get a cleaner? I don't think they're too expensive.

 

[madcatwoman]

myparents have really let their house get out of control. the carpet is over 50 years old and barley there. lots of black cobwebs dust to your euy balls. the kitchen sink unit is rotten. my mum has no cleaning skills and no eye site to do it. my dad has given up and thinks he might as well join her. its squalid an smells plus they have 3 dogs. who are big and boistrous and get very filithy. they want to have abby over and look after her, but I cannot let her go there until its much cleaner.

hahahaha!sounds like our house when we bought it. an old couple bought it from DH's family 20 years ago, and they never changed a thing, the carpet was so old it was actually thread bare, the whole place was horrendous and for a long time i really didnt think there was a light at the end of the tunnel! in the living room was old shagpile carpet, but not the stuff we might remember but longer!!!!!, it was like long grass,and aparently there was a special carpet 'rake' for it!

 

[molly85]

bloody hell. the thing is it could be so easily fixed with some cash. but nooo my dad got a loan for his damn bike lol.

Yep cleaner is on my list £10-£12 and hour I think once its been blitzed I think they need some one for maybe 2 hours a week and and a decent clean once amonth. our house is hadly beautiful but its just hoovering and a damp dust thats needed every so often.

the sink is suspending its self you can see throughthe work top, the floor and walls aren't tiled. matts up for doing it as we did our own place

 

[MADLYSBOYS]

Evening Ladies :wave:

Lovely bump madcat and seriously Ladies on Team Peanut and vbaby are right little men have a pair of little swollen balls upon birth I however think it is def far more easier to change a little boy than a girl esp if poo is involved Oh and be mindful of a tinkling winkie he he he I was changing Oliver once between my legs and he peed...it arched up and hit me right between the legs leaving my crouch wet through...looked like I had bloody peed my pants

Great news on the scan Gilz and that you def have a little man in there

I am so confused on the whole childtax credits thing We get the 500.00ish which Peanut was talking about, I think it works out about 40.00ish a month not much but not to be sniffed at of course but what I cant work out is if we get anymore for subsequent children like you do with Child benefit iykwim of wether the 500.00ish is all we will still get? Do you know Peanut hon The literature is so confusing I just cant work it out Our annual household income is approx 35k and I will loose about 450-500.00 a month whilst on mat leave so this generally leaves us rendered not entitled to anything extra either. When we enquired about childcare element of tax credit after having Oliver we were told we would get about THREE POUNDS help A MONTH not really much considering the average nursery daily cost is 35-45-00 Thats why madcat I resulted in having MIL as career.....not happening AGAIN over my dead body

 

[molly85]

I'v figured it all out cross ya fingers, fill in every form, and eat tesco value noodles for the next 18 years. thats we are going to afford it all

 

[MADLYSBOYS]

I'v figured it all out cross ya fingers, fill in every form, and eat tesco value noodles for the next 18 years. thats we are going to afford it all

 

[molly85]

Oh i checked my e-mail called work and my boss has to arrange for me to see occy health before I can come back

 

[PeanutBean]

Madly did you do the online calculator? https://taxcredits.hmrc.gov.uk/Qualify/DIQHousehold.aspx

To give you an indication, on £6000pa nursery fees and a household income of £24k we get about £3500k split between CTC (which includes the £500 family element) and childcare element (which is part of WTC). At £37000 we'd have received nothing except the family element. If we'd gone up to 4 days of nursery, about £8000, we'd have got an extra £1000 or something like so about £1500 in total. We found that in those circumstances we would be about £1000 better off for using the childcare vouchers instead of CTC, BUT that wouldn't give us enough to live off anyway.

Since I got that small pay rise and with DH's annual measley increase in salary we'll be pushing £40k when I got back to work so will be well over the limit by that time, unless there is still childcare element.

To be honest it's changing so much each year for the next few years and they bring down all the thresholds it's very hard to say who will be able to receive anything. The best thing is to ring the tax credit helpline, have all your figures for this, next and even the year after's predicted household income to hand. Remember when you are calculating your income over mat leave you can knock £100 pw off your SMP, do during those weeks it will only be £20pw to add. The same goes for SMP for any dad's getting two weeks off on it. Work out your childcare cost options too then ask them for advice.

There are things to remember that will matter for us potentially. Currently tax credits are calculated on previous year's income unless you request otherwise, but take into account current year's child care. This is why we are getting some this year. If you income increases by more than £25000pa you have to tell them so they recalculate your tax credits. In 2012 this is going to change to only £10000. For me, I will be going from about £5000pa next year to £23000 in 2012. Originally, it would've been best for us to stay on previous year's income, get nothing next year, then when we've got loads of nursery fees in 2012 have it based on the super low income of 2011. Because of the new rule I'll be earning too much more in 2012 to do this which screws everything up totally. It's just something you need to take into account when working out what is best for you. It might now be it's best for us to go on current year next year, possibly (but probably not) get some hel towards Byron's nursery fees and then go to hell in a handcart in 2012!

 

[madcatwoman]

i get the feeling when little boys decide to wee as you change them its a slightly messier affair than with little girls!, is there a trick to the trade?

 

[PeanutBean]

i get the feeling when little boys decide to wee as you change them its a slightly messier affair than with little girls!, is there a trick to the trade?

Do it fast!

 

[MADLYSBOYS]

Yeah really fast madcat cause with Oliver as soon as the cold hit Olivers willy up it came and peeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee!

Peanut its sooooooooo confusing

 

[PeanutBean]

Madly it really is massively confusing. Even for a financially savvy person. And it's getting even more confusing because of changing each year and lots of things don't yet seem to be finalised! I'm going to have a massive chat with them soon, I need to give nursery a month's notice to change Byron's days so need to find out how much childcare will work for next year.

 

[mamadonna]

when you loosen the nappy keep it there for a few moments till little fella wee's then take it off

 

[loopylollipop]

Good news Gilz on the scan Glad all is well and your little boy is still....well a little boy!!

Madcat I used to have a cotton wool ball handy to put over end of DS's willy in Case Of Emergency. But it only buys you an extra second...the trick is SPEED! Overall its easy with boys - if mines a girl am gonna wonder how to clean all those creases

 

[molly85]

someone said shove a nappy or wipe over the willy so yu dnt get a shot in the face.

Creases lol