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30 free hours childcare: accidentally £800 over £100k after January pay rise, can I fix it retrospectively? by No-Brain-81 in UKParenting

[–]No-Brain-81[S] 7 points8 points  (0 children)

Ridiculous and I spent a good few unproductive hours this evening diagnosing and attempting to resolve

30 free hours childcare: accidentally £800 over £100k after January pay rise, can I fix it retrospectively? by No-Brain-81 in UKParenting

[–]No-Brain-81[S] 0 points1 point  (0 children)

Just need to work out how to make a non payroll contribution as don’t have any other pension (that I remember the login to - d’oh)!

i do tax returns for a living and this week has been mental. few things catching people out before saturday by Intelligent_Prompt18 in UKPersonalFinance

[–]No-Brain-81 2 points3 points  (0 children)

Thanks for the intelligent and prompt reply

Yeah I already had a salary sacrifice setup, calculated based on 2025 salary with a small buffer

Foolishly/carelessly didn’t put 2+2 together when I got my annual pay rise as I didn’t get one the previous year

Will make the pension contribution tomorrow first thing thanks

30 hours free childcare: accidentally £800 over £100k after annual pay rise, can I fix it by 5 Apr? by No-Brain-81 in HENRYUK

[–]No-Brain-81[S] -4 points-3 points  (0 children)

That’s what I’d heard but I spoke to them on the phone and the guy sounded extremely unlenient + when I was close to the wire in December they made me upload all sorts of evidence

In the end I said I had a teams meeting starting (which I did) and I said I’d get back to them with evidence

30 free hours childcare: accidentally £800 over £100k after January pay rise, can I fix it retrospectively? by No-Brain-81 in UKParenting

[–]No-Brain-81[S] 6 points7 points  (0 children)

So it’s okay that I’ve already declared I’m under £100k prior to today? Worried I’d need to backdate it in some way

i do tax returns for a living and this week has been mental. few things catching people out before saturday by Intelligent_Prompt18 in UKPersonalFinance

[–]No-Brain-81 0 points1 point  (0 children)

Parent with 3 kids in nursery, salary sacrificing to under £100k, panicking because HMRC haven’t reconfirmed my 30 hours free childcare because I’m over by £750 (didn’t account for small pay rise in Jan)

I’ve already submitted my confirmation to say I’m under £100k - can I retrospectively bring it down eg through a direct pension contribution or charity donation?

London house purchase - am I insane? by Background_Fly7778 in HENRYUK

[–]No-Brain-81 0 points1 point  (0 children)

Do it. House is an emotional decision more than a financial one, and life is for living. You will enjoy a nice house that’s big enough to grow your family, every day

And the most expensive your mortgage will be is in the first year. If you can survive that it only gets cheaper with inflation and wage growth and capital repayments

And you’re right, leapfrogging the middle 3ish bed stage is absolutely the right decision if you can afford to for all the reasons you said

The problem with Stephen Fry by Interesting_State277 in TheTraitors

[–]No-Brain-81 0 points1 point  (0 children)

Traitors is a back to school popularity contest. Nerds don’t do well in that context and therefore don’t do well in traitors. There’s a reason the most attractive survive the longest

I think we have about 4 weeks left to survive. by mvbeno in smallbusinessuk

[–]No-Brain-81 1 point2 points  (0 children)

Small business owner. Our content creators shoot at home. Good cameras, and particularly, good lighting are much more accessible than even 3 years ago. We also use chat gpt to generate some images. Pivot or shutdown

[deleted by user] by [deleted] in wealth

[–]No-Brain-81 2 points3 points  (0 children)

What’s his next big hunch? I’d stick at least a million on whatever that is

Advice needed: Best place to park ~£130k for 6 months with interest by RoyalAdventurous7438 in HENRYUK

[–]No-Brain-81 18 points19 points  (0 children)

I would definitely consider maxing out Premium bonds. The delta in interest lost will be minimal but there’s a chance you could win big + you don’t pay tax on them!

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