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Need to get the wife sacked so we can have another kid

  • 06-07-2010 01:46PM
    #1
    Banned (with Prison Access) Posts: 2,202 ✭✭✭


    Something has to be wrong with my sums.
    We have 2 kids, ages one & 3, they cost €250 a week full time childcare.
    The oldest wont start school until they are 5 so we have full childcare costs for the next 2 years.
    We both have to work to service the mortgage, outgoings etc.
    If we wanted to have a 3rd child then there would be no point in my wife working.
    We would save €250 a week in childcare but loose all of her salary, this would leave us too tight on all our bills.
    If however my wife gets laid off or made redundant she'll be entitled to €194 a week in jobseekers.
    This wouldn't fully make up the difference but not having a 2nd car would be another saving.
    I'm going around now with a 9-iron to beat up her boss :D . . . joking of course.

    The system is rigged so that one of us are better off being made unemployed if we want a larger family.
    Is there something wrong with my thinking or is my logic sound ?.

    Note to pedants:
    It's assumed that someone receiving jobseekers is "actively" looking for a job.
    Like everyone else out there.


«1

Comments

  • Closed Accounts Posts: 4,025 ✭✭✭Tipp Man


    I would say that given the astronomical costs of childcare there are a lot of households in the country which would be better off with only 1 person working

    Problem is that most couples in the land have huge mortgages to be serviced so need both incomes if possible. It makes you wonder really just what were couples thinking paying these huge amounts for houses?? Better off if they never saw them IMO


  • Registered Users, Registered Users 2 Posts: 10,903 ✭✭✭✭Riskymove


    this might be best placed on the State benefits thread as oppossed to here

    answer A
    the period from the birth of your 3rd child (well, really the end of maternity I suppose) to your first born going to school, would be short enough

    the extra child beenefit would contribute to the costs

    Answer BIf you cant afford a third child then dont have one


  • Registered Users, Registered Users 2 Posts: 802 ✭✭✭Scarab80


    Rabidlamb wrote: »
    Something has to be wrong with my sums.
    We have 2 kids, ages one & 3, they cost €250 a week full time childcare.
    The oldest wont start school until they are 5 so we have full childcare costs for the next 2 years.
    We both have to work to service the mortgage, outgoings etc.
    If we wanted to have a 3rd child then there would be no point in my wife working.
    We would save €250 a week in childcare but loose all of her salary, this would leave us too tight on all our bills.
    If however my wife gets laid off or made redundant she'll be entitled to €194 a week in jobseekers.
    This wouldn't fully make up the difference but not having a 2nd car would be another saving.
    I'm going around now with a 9-iron to beat up her boss :D . . . joking of course.

    The system is rigged so that one of us are better off being made unemployed if we want a larger family.
    Is there something wrong with my thinking or is my logic sound ?.

    Note to pedants:
    It's assumed that someone receiving jobseekers is "actively" looking for a job.
    Like everyone else out there.

    It completely depends on how much your wife gets paid, which you haven't posted.


  • Registered Users, Registered Users 2 Posts: 3,086 ✭✭✭Nijmegen


    While I would first say, don't do it if you can't afford it, I do agree that where there exists a state framework of benefits and taxes to skew this discussion, the state should not make it more attractive for people to be on benefits than working, under any circumstances.


  • Registered Users, Registered Users 2 Posts: 10,903 ✭✭✭✭Riskymove


    Nijmegen wrote: »
    the state should not make it more attractive for people to be on benefits than working, under any circumstances.

    in this scenario, technically it doesn't

    the people involved would be contravening the rules of the benefit


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  • Registered Users, Registered Users 2 Posts: 2,419 ✭✭✭Count Dooku


    Riskymove wrote: »
    Answer BIf you cant afford a third child then dont have one
    Does it mean that only “most vulnerable” can have as much kids as they want?


  • Banned (with Prison Access) Posts: 2,202 ✭✭✭Rabidlamb


    Scarab80 wrote: »
    It completely depends on how much your wife gets paid, which you haven't posted.

    Sorry, takes home about €600 a week, after tax.


  • Registered Users, Registered Users 2 Posts: 947 ✭✭✭Shzm


    She'd only get the 196 for a year anyway (JSB), after which she'll be means tested for JSA and probably end up getting 0 as you're working.


  • Banned (with Prison Access) Posts: 2,202 ✭✭✭Rabidlamb


    Does it mean that only “most vulnerable” can have as much kids as they want?

    Ah yes, the survival of the weakest.
    Evolution gone backwards.


  • Registered Users, Registered Users 2 Posts: 802 ✭✭✭Scarab80


    Have you checked to see if you qualify for FIS, that increases with the amount of children you have.


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  • Closed Accounts Posts: 9,364 ✭✭✭ei.sdraob


    some recession aint it when it makes more sense to go on welfare


  • Banned (with Prison Access) Posts: 2,202 ✭✭✭Rabidlamb


    Scarab80 wrote: »
    Have you checked to see if you qualify for FIS, that increases with the amount of children you have.

    No, but I am on good money so I never even thought of it.
    Imagine taking money from the state, seems absurd.


  • Registered Users, Registered Users 2 Posts: 2,103 ✭✭✭ectoraige


    Rabidlamb wrote: »
    No, but I am on good money so I never even thought of it.
    Imagine taking money from the state, seems absurd.

    Your three-year old should qualify for the free pre-school year from next September, have you included that in your sums?


  • Registered Users, Registered Users 2 Posts: 10,903 ✭✭✭✭Riskymove


    Rabidlamb wrote: »
    No, but I am on good money so I never even thought of it.
    Imagine taking money from the state, seems absurd.

    do you take Child Benefit?


  • Registered Users, Registered Users 2 Posts: 10,903 ✭✭✭✭Riskymove


    Does it mean that only “most vulnerable” can have as much kids as they want?

    No


  • Banned (with Prison Access) Posts: 2,202 ✭✭✭Rabidlamb


    ectoraige wrote: »
    Your three-year old should qualify for the free pre-school year from next September, have you included that in your sums?

    Only helps if the childminder will accept less, she may still want full whack as she'll have to do drop off & pick up.


  • Banned (with Prison Access) Posts: 2,202 ✭✭✭Rabidlamb


    Riskymove wrote: »
    do you take Child Benefit?

    Yes, as do most the millionaires in the country.
    Seriously, I never considered it as welfare cause everyone gets it.


  • Registered Users, Registered Users 2 Posts: 2,419 ✭✭✭Count Dooku


    Riskymove wrote: »
    No
    Oops
    I forgot that very rich can also have as much kids as they want
    Why not to sterilize taxpaying slaves on low-medium income?


  • Registered Users, Registered Users 2 Posts: 685 ✭✭✭jock101


    Rabidlamb wrote: »
    Something has to be wrong with my sums.
    We have 2 kids, ages one & 3, they cost €250 a week full time childcare.
    The oldest wont start school until they are 5 so we have full childcare costs for the next 2 years.
    We both have to work to service the mortgage, outgoings etc.
    If we wanted to have a 3rd child then there would be no point in my wife working.
    We would save €250 a week in childcare but loose all of her salary, this would leave us too tight on all our bills.
    If however my wife gets laid off or made redundant she'll be entitled to €194 a week in jobseekers.
    This wouldn't fully make up the difference but not having a 2nd car would be another saving.
    I'm going around now with a 9-iron to beat up her boss :D . . . joking of course.

    The system is rigged so that one of us are better off being made unemployed if we want a larger family.
    Is there something wrong with my thinking or is my logic sound ?.

    Note to pedants:
    It's assumed that someone receiving jobseekers is "actively" looking for a job.
    Like everyone else out there.

    Have you ever considered, Not having Children you obviously cant afford!:rolleyes:


  • Registered Users, Registered Users 2 Posts: 10,903 ✭✭✭✭Riskymove


    Why not to sterilize taxpaying slaves on low-medium income?


    :confused::pac:


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  • Registered Users, Registered Users 2 Posts: 685 ✭✭✭jock101


    Riskymove wrote: »
    :confused::pac:

    Self control and contraception, ever heard of it!:rolleyes::rolleyes:
    Or does the State have to legislate for it now!:rolleyes::rolleyes:


  • Banned (with Prison Access) Posts: 2,202 ✭✭✭Rabidlamb


    jock101 wrote: »
    Have you ever considered, Not having Children you obviously cant afford!:rolleyes:

    No, I'm very randy & the wife can't be trusted to take her pill.
    Anyway, I see loads of poor people with 4 or 5 kids & they can afford them.


  • Registered Users, Registered Users 2 Posts: 10,903 ✭✭✭✭Riskymove


    Rabidlamb wrote: »
    Yes, as do most the millionaires in the country.
    Seriously, I never considered it as welfare cause everyone gets it.

    so child benefit and JSA would be fine but you have a problem with FIS?:confused:


  • Registered Users, Registered Users 2 Posts: 685 ✭✭✭jock101


    Rabidlamb wrote: »
    No, I'm very randy & the wife can't be trusted to take her pill.
    Anyway, I see loads of poor people with 4 or 5 kids & they can afford them.

    That's the problem, the more you mount, the more benefits you get!:rolleyes:


  • Banned (with Prison Access) Posts: 2,202 ✭✭✭Rabidlamb


    Riskymove wrote: »
    so child benefit and JSA would be fine but you have a problem with FIS?:confused:

    Scenario is only hypothetical, of course I'll accept any money the government want to give me.
    The missus wont be giving up her job anyway, I was only pointing out the loophole in the system.


  • Registered Users, Registered Users 2, Paid Member Posts: 24,612 ✭✭✭✭Sleepy


    Living in Dublin with the girlfriend and two kids and even without job seekers benefit / allowance, it's not worth our while for her to work when childcare, transport costs etc. are taken into account.


  • Closed Accounts Posts: 2,819 ✭✭✭dan_d


    Hmm. This ranks right up there with something I've been pondering. I've been paying my bills, taking my paycuts, paying my taxes, and saving a bit every month for the last few years while I worked. I have some money, but not a whole lot.

    So I'm told if I have savings I'm not entitled to get JSA/JSB etc, I've to "come back to them when I've run through my savings and have nothing left".Leaving me with absolutely nothing in case of an emergency...ie hospital visits, car tax etc.

    Yet the lads who blew every penny of their over inflated building site wages on souped up cars, loads of holidays etc, and are now redundant with not a penny saved nor any kind of qualification, are straight away entitled to every benefit there is.

    I understand the thinking in that I could support myself for a month or 2, and be one less person on social welfare, but I can't help feeling like I'm being penalised for being sensible with my money.

    Anyone??:confused:


  • Closed Accounts Posts: 9,364 ✭✭✭ei.sdraob


    dan_d wrote: »
    but I can't help feeling like I'm being penalised for being sensible with my money.

    Anyone??

    +1 :(


  • Registered Users, Registered Users 2 Posts: 774 ✭✭✭lucy2010


    slightly off topic...

    A leaflet came in my door only this morning.. Special offer for a creche thingy
    "€1000 off 1st month" "€1500 off 1st month for 2 or more children" - I nearly choked . Is that what these places actually charge ?


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  • Banned (with Prison Access) Posts: 2,202 ✭✭✭Rabidlamb


    Sleepy wrote: »
    Living in Dublin with the girlfriend and two kids and even without job seekers benefit / allowance, it's not worth our while for her to work when childcare, transport costs etc. are taken into account.

    Not married you say, you better go quick before they turn you into one of those civil couples.
    I sympathise with your situation as it's close to mine.
    Wait until they come after us for water rates & property tax, sure we're the tiger generation that can afford it.


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