Blue Monday

Today is Blue Monday, supposedly one of the most depressing days of the year, based on the weather, debt, time since Christmas, lack of motivation and many other factors. Undoubtedly, we probably all feel a little low at this time of year for a whole host of reasons. But for those people that genuinely suffer with depression every single day Blue Monday is just another day to them.

Depression in adults is a condition we’re all familiar with. Most adults have at some point felt mildly depressed and a surprising proportion of the population has suffered from clinical depression, whether treated or not.  Although there is still a huge stigma around saying that someone as an individual is or has been depressed, it’s no longer the hidden condition it once was. Depression in children and teenagers, on the other hand, is much less widely acknowledged but potentially very serious.

What on earth do children have to be depressed about?

We may cast our minds back to the halcyon days of our own childhood and wonder what there is to become stressed and depressed about but firstly childhood was never that simple and secondly today’s children are facing an infinitely more complex world with shifting social norms, advancing technology and mounting media pressure. In Hollywood everyone is popular, rich and happy, the guy always gets the girl and we all live happily ever after. This can set up dangerous expectations for real life and if children can gorge on this constructed reality, they can end up feeling like they’ll never be good enough. If we’re honest with ourselves we were all anxious about school and schoolwork, keeping up with our friends and living up to parental expectations and today’s children are no different, even though the challenges they face are. It becomes more complicated when children become adolescents because the maelstrom of hormones, which leads to tears, tantrums, rage and rebellion, can mask depression – it all gets put down simply to being a teenager. It’s especially important at this time to watch out for anything out of the ordinary which continues over a lengthy period as it may point to a deeper issue.

How can I spot depression?

Knowing what is normal for your child or charge is key, and that can only be achieved by keeping the lines of communication open. It’s difficult when your efforts are met with angry rejection but keep letting them know you’re listening and do genuinely listen to what they say even if it seems insignificant to you. A constant refusal to communicate may be a sign that something is troubling them, but they don’t know how to talk to you about it. In this case be guided by your instincts and you may need to seek professional help along with your child. Although it may feel like a betrayal at the time, a child will get over that faster than untreated depression.

Surely my child is too young to be depressed.

 In fact, depression can hit children as young as 2 or 3 years old so there’s no such thing as too young. The number rises sharply in adolescence, with girls twice as likely to suffer as boys at this point. Rest assured, depression in very young children is likely to be the result of physical or emotional trauma and rarely manifests in healthy children with a secure attachment to their parents. Children who are at risk of depression, be it from chronic illness or emotional disturbances in their life, are likely to be offered additional help, perhaps in the form of play therapy or counselling.

That said, although depression in children is rare it’s important to remember that it does still exist and shouldn’t be discounted because of age.

How can I prevent depression?

There is no one way to prevent depression but setting an example of a healthy, realistic lifestyle is a good start. Plenty of exercise and fresh air along with a good diet will help keep the brain’s chemistry in balance and ensuring plenty of time for relaxation and play is vital for relieving stress. Good communication skills lay the foundation for open and honest exchanges about emotions and will safeguard your relationship throughout the difficult teenage years. It’s never too early to talk to children, be honest with them and accept them for who they are, encourage them to express their feelings and give age-appropriate explanations for what they see in the world around them.

Get into the habit of looking for the good in life. At the end of the day encourage children to focus on the good things that have happened and consider encouraging older children who don’t want to be tucked in any more to keep a positivity journal. The act of reflecting on what has gone well prevents a spiral of negativity and a journal can be a source of encouragement when times get tough.

For more information please visit www.youngminds.org.uk

Top 10 essential items every Nanny carries

Like every child is different, every Nanny and Manny are different, but the one thing they all have in common is that they are always prepared! Here are our top 10 essential items that every Nanny carries with them. What is your most essential item? Or What have we missed off our list?

  1. Mobile Phone with emergency contacts in – Mum, Dad, Grandparents, Neighbour, Doctor, Dentist, whoever is on your list make sure you have a plan of action if there is an emergency!
  2. Medical Information for each child. In the UK we have the Red Book which should contain all the vital info you need such as food allergies, medication, etc. But if you don’t have this then keep a note handy with all the details. If the child, you care for becomes ill the first questions you will be asked are ‘Is the child taking any medication’ ‘Does the child have any allergies’ Having this information to hand may save valuable time.
  3. First Aid Kit – You can buy a ready made one or simply carry the necessary items around with you such as Plasters, antiseptic wipes, safety pins, tweezers, gauze dressings, sterile eye dressings, crepe roll bandage, triangular bandage, disposable gloves.
  4. Tissues, wet wipes and hand sanitizer.
  5. Sunscreen and lip balm, even the most overcast days can require some protection from the sun, always better to be safe.
  6. Nappies (Or underwear if potty trained), Changing mat, wipes, cream disposable potty, – you never know when you might be caught out!
  7. Change of clothing, what child hasn’t rolled in the mud or been sick and needs to be changed.
  8. Healthy snacks – children are constantly hungry, ready prepared fruit, rice cakes, raisins, prepped veg and hummus. All great energy boosters if you have a flagging child.
  9. Bottled Water – Great for cleaning up a messy child or for a drink break through the day.
  10. Small toys and books, if you must queue, go on public transport of just keep a child occupied while you wait for something, having a toy or book handy will help deal with any boredom the child might feel.

What are the regulations if nanny is a student?

If nanny is a student, they will still be subject to paying Tax and NIC on their salaries like normal workers if they earn above their personal allowance, which for the current tax year (19/20) is £12,500.00 gross per annum (£1,041.67 gross per month).  If nanny’s earnings are below this threshold then they will not be subject to tax deductions on their salaries.

Nannies over the age of 16 will need to have Employee National Insurance deducted.

Nannies who are students and come from overseas will not be able to get a National Insurance refund if they return home, even if they work in the UK for a short period of time.

The only way a foreign student nanny could get exemption from National Insurance is to produce either an A1, E101 or E120 certificate from a European Economic Area (EEA)

If your student nanny leaves the UK to return to their native country during the tax year, they may be able to claim back some or all of the Tax which they may have paid on their salary in the UK.  They would need to complete and return a form ‘P85’ to HMRC, including parts 2 and 3 of their P45 from their current employment. If nanny, has worked in the UK for a full tax year, then they will not be able to claim back the Tax which they have paid on their earnings.

The P85 form can be obtained by contacting HMRC directly.

 

https://www.gov.uk/tax-right-retire-abroad-return-to-uk

Nanny and Private use of Car

If you have provided nanny with private use of a car, you need to inform HMRC straightaway. The quickest way is to complete a form P46 car

By notifying them straightaway, they will reduce nanny’s tax code the month she is given the car.

Failure to tell them when she has the car, will mean her tax code will be coded incorrectly causing an under payment.

Even though you have notified HMRC of the car via a P46 car, you will need to complete a P11d and pay Class 1A National Insurance on the benefit amount.

Please see link below

www.gov.uk/tell-hmrc-company-car

Get into the Christmas spirit with our top 5 festive books for children

Christmas is the perfect time to rekindle your child’s love of books and reading.

Children’s Christmas books are filled with happiness, wonder and strong morals. Reading is a simple, easy activity that can be enjoyed by children of all ages, no matter the weather.

Encourage them to learn by reading aloud or helping them to read along.

What are you waiting for? Pick up a book today and spark their imagination.

See below for our recommended top 5 festive children’s books!

Continue reading “Get into the Christmas spirit with our top 5 festive books for children”

30 Hours Free Childcare

The criteria for 30 hours for funded childcare, is that you must earn £131.36 a week which equates to 16 hours at the national minimum wage or Living Wage.

The 30 hours a week is for 38 weeks of the year and is for children who are aged 3 or 4 this equates to 1,140 hours per year.

You will not be able to claim this, if you or your partner has a taxable income of over £100,000, the child does not usually live with you, if the child is fostered or if you are from outside the EEA and it states you can’t access public funds on your UK residence card.

To register for funded childcare or for more questions:

https://www.childcarechoices.gov.uk/

RTI Real Time Information

RTI stands for Real Time Information and was introduced by HMRC in 2012. HMRC put this system into place so that every time an employee is paid, it is the employer’s responsibility to make a submission to them detailing this payment.

By employers using RTI, it enables HMRC to process any amendments to employee’s tax free allowance in real time rather than as done previously on previous years records and pass this information to Department for Work and Pensions. In turn this makes sure Universal Tax Credit claims are based on accurate figures of an employee’s income.

As an employer, if your payroll submission is not sent to HMRC on time, £100 fines will be issued. It is important as an employer to make sure all pay details are sent to HMRC on or before the date nanny is paid.

Nanny or Au Pair

Age and Cultural exchange programme

An au pair is between the ages of 18-30 and comes to the UK to learn or perfect her English in exchange for childcare.

A nanny can be any age and does not take part in a cultural exchange programme.

Wage and working hours

Au pairs can only work on average 30 hours a week and on top of their accommodation will normally get what is classed as ‘pocket money’. ‘Pocket money’ on average is £100.00 per week and as long as they earn less than £118.00 per week and have no other income this does not need to be declared to HMRC.

A nanny receives a wage in line with the national minimum wage.

Language courses

Au pairs must have the chance to attend a language course.

A nanny does not have to attend a language course.

Employee/family

An au pair is seen as a temporary family member.

A nanny is seen as an employee.

Legalities

An au pair needs a visa specific to an au pair.

Nannies who are coming from abroad need a work visa or permit. A nanny cannot work under an au pair visa.

Live in Nannies

There has been a rise in live-in nannies, and with that confusion over nanny’s legal pay.

If nanny lives in the family home, is treated as part of the family – eating most meals with them and spending time together such as leisure activities and evening time in the same sitting room, then the national minimum wage does not apply.

The national minimum wage will come into effect for nanny’s who are not treated as part of the family, but instead the employer will be able to use the offset allowance when the nanny is live-in by £7.55 a day, £52.85 for a whole week.

The other scenario is that nanny is given accommodation separate to that of the family, this then becomes a benefit in kind and needs to be declared annually to HMRC.

If there is a benefit in kind, it will mean nanny’s tax code will be decreased and her net pay goes down and as an employer having to pay an additional national insurance on the benefit amount.

The law is very strict, so you need to make sure you know how to proceed with your live in nanny.

Understanding Tax Codes

Your tax code determines the amount of tax you pay each pay period and for current tax year the standard tax code is 1250L.

Whatever your tax code the numbers denote the amount you can earn each year before you are liable to pay tax, you just need to add a zero to the end of code and this then means the 1250 code gives you a figure of £12,500 you can earn before you pay tax.

This amount is then split into the number of pay periods you will have in the tax year, 52 if weekly and 12 if monthly.

Weekly £12500/52 = £240.38

Monthly £12500/12 = £1041.67

Once you have reached the above earnings in each pay period you then pay tax at 20%.

If you’re annual earnings are above £50,001.00 then the tax rate increases to 40% on earnings above this.

If you have several jobs it could well be that one of your employers has the full allowance (£12,500.00) and the other is using a tax code of BR, BR denotes that all earnings in that employee pay tax at 20% as the full allowance is being used elsewhere.

Should both employers have the full tax code, you will then need to contact HMRC directly (0300 200 3300) to get one of these corrected, you will need your NI number to hand when contacting them.