Universal credit

Hi. Some months if my husband earns less I get a top up of UC and other times he earns over the threshold so I don't get anything. Am I still able to claim for free childcare at 2 years old? Thanks

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Everyone gets free childcare for 2 year olds (or virtually everyone, unless your income is very high). It’s not related to UC 😊

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@Sophie everyone is entitled to free childcare at 3. Only 2 year olds if you are on certain benefits

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I wish that was true sophie and it will be hopefully next April 🤞 I’d say your best bet is to send a message through UC and see what they suggest as if it’s a case of the month you get UC it’s free but then when you don’t it isn’t you’ll still have a nursery bill to pay which won’t be helpful. You may be able to have the up to 85% childcare payment which UC do

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I think they are changing it next year though

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@Sophie they are changing it next April, but currently not everyone gets free childcare at 2

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It is best to call UC they will be able to give you all the information they will be changing it never year

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What do you mean when you say free childcare is for ‘working’ parents? 
Working parents who individually earn more than £8,670 (from April 2023) but less than £100,000 per year are eligible. 
If you’re in a couple, the rules apply to both of you, so you must both earn at least £8,670 and neither one of you can earn more than £100,000. 
Who is eligible for free childcare now? 
Currently, all three- and four-year-olds are entitled to 15 hours per week of free childcare or early education, rising to 30 hours for working families, and 15 hours for disadvantaged two-year-olds, over 38 weeks of the year.

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I think by disadvantaged two year olds they mean parents that are not working or earning little -

Your 2-year-old can get free childcare if you live in England and get any of the following benefits:
• Income Support
• income-based Jobseeker’s Allowance (JSA)
• income-related Employment and Support Allowance (ESA)
• Universal Credit, and your household income is £15,400 a year or less after tax, not including benefit payments
• the guaranteed element of Pension Credit
• Child Tax Credit, Working Tax Credit (or both), and your household income is £16,190 a year or less before tax
• the Working Tax Credit 4-week run on (the payment you get when you stop qualifying for Working Tax Credit)

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Family culture difference on money

Sorry this is long, I hope some of you get to the end and give advice!!!

So I’m a very thrifty person, things are tight at the moment, the cost of living crisis and my house is heated by oil so things are extortionate. We aren’t on the bread line but we aren’t flush, hubby might be made redundant so there is some financial pressure.

Sometimes I buy my sons something nicer, on the justification that I can sell it on after (♥️ vinted ♥️). I have also been planning on pretty much breaking even most of the baby things I bought from face book market place, side by crib, baby changing unit, etc.

Hubby and I have different money cultures with our families (he’s Indian, I’m British). I’m my family we don’t mix money, we would help each other out if someone was in trouble and will get each other gifts on special occasions. With hubby’s family money is much more fluid, they will give each other things worth thousands of £ just because.

Hubby’s brother bought him a new laptop and a new Google phone, he’s been very generous to hubby. Hubby hasn’t given the same back because brother is much richer.

Hubby and I mostly share finances. If it’s relevant I’m the higher earner.

Now to the point! My babies are so cute they’ve given hubby’s brother (currently single) baby rabies. He’s asked for our baby stuff when we’re done with it. He’s been so generous to hubby I feel really stingy saying no. But I’d never have bought some of the stuff if I wasn’t going to get a return on it - the thought makes me a bit anxious. If we gave all our baby stuff given the second hand value it still wouldn’t equal what the brother had given hubby.


I thought maybe I could give him some stuff but sell some stuff, but hubby said then his brother will just have to go out and buy that stuff, so I should name my price and ask his brother for the money. That makes me feel very uncomfortable, given how generous the brother has been to hubby.

So what do I do ladies? Give it all and suck it up? Give part of it and sell parts on Vinted/FB, or ask hubbys brother for money for it and be uncomfortable? Or do you see another solution?

No one is being entitled or rude here, just a culture difference I need to navigate.

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