Grandparents looking after grandchildren – help with state pension

Our recommended partners at www.PayrollForNannies.co.uk  provide payroll advice for parents and have created this content.

Thousands of grandparents caring for their grandchildren over the summer holidays could be missing out on the chance to boost their future State Pension.

Many working-age grandmothers and fathers could qualify for Class 3 National Insurance credits for looking after children aged under 12 – which can be used to top up their income in retirement.

Half of Britain’s 7 million working-age grandparents have a grandchild under the age of 16.

Applications for NI credits for caring for children under 12 need to be made to HM Revenue & Customs (HMRC) and must be signed by both the adult carer and the Child Benefit recipient. Applications need to be made after 31 October following the end of the tax year in which the caring took place.

https://public-online.hmrc.gov.uk/lc/content/xfaforms/profiles/forms.html?contentRoot=repository:///Applications/NICs_iForms/1.0&template=CA9176_en_0.5.xdp

Expenses

Our recommended partners at www.PayrollForNannies.co.uk provide payroll advice for
parents and have created this content.
If you pay nanny for mileage during work hours the mileage rate as per HMRC is 45p.
Anything above 45p is taxable and must go through the payroll. As an employer you must
keep records of mileage that you have paid out, you must only pay for miles traveled.
Simple putting £15 for expenses for general travelling is not acceptable and would mean it is
taxable.
By paying 45p a mile or more for getting nanny to and from work is a taxable, and would
need to be declared to HMRC.
Benefits in kind would arise when you let nanny have private use of your car, this benefit
would then need to be declared to HMRC annually by means of a P11d.
We would advise you to keep receipts from nanny that you have reimbursed her, for day
trips with the children and any shopping she has done.

NI Categories

Our recommended partners at www.PayrollForNannies.co.uk provide payroll advice for
parents and have created this content.
There are various categories for employment in the UK for national insurance deductions,
below are the categories denoted by a letter and what they represent
NI Categories for UK employment
A – All employees who do not fall into B, C, J, H, M and Z
B – Widows and married women entitled to pay reduced national insurance
C – Nanny’s over the state pensionable age so does not pay NI
J – Nanny’s who are already paying national insurance in their other job so can defer it
H – Apprentice under 25
M – Nanny under 21 Employer pays no NI
Z – Nanny’s who are already paying national insurance in their other job so can defer it and
are under 21 years of age
X – Nanny’s who are aged under 16

My Mood Stars

Nannyjob are always keen to discover great ideas to encourage child development and we are really impressed with these fantastic My Mood Stars. The idea was thought up by former Childminder Wendy Elizabeth White and in the early stages of development her keen needlework skills came in very handy!  Each yellow star filled with cotton depicts an emotion. There is sad, happy, angry, scared, shy, silly, surprised and sleepy.  We all know that the ability to express and control our emotions and to recognise them in others is an essential skill.  However, for some children trying to communicate feelings can be difficult and frustrating.

Self-confident children in touch with their feelings find it easier to flourish in social situations. Indeed personal, social and emotional development and communication are key aspects of the Early Years Foundation Stage in the UK. Children who understand and can express and manage their own emotions, as well as those around them, are more likely to develop a positive sense of self and be assured and inquisitive learners and these Mood Stars are a great way to encourage conversation and expression with your little ones. For more information please visit.

www.mymoodstars.co.uk

Twitter – www.twitter.com/mymoodstars

Facebook – www.facebook.com/mymoodstars

Instagram – www.instagram.com/mymoodstars41

Early Years Education Training

It is critically important that those who are involved in bringing up children, whether it’s the parent, nanny, teacher or other family members, influence children’s character in a positive way. Supporting children with solving simple problems, for example, building a toy, doing a jigsaw or getting dressed, by not rushing them and showing that you trust their abilities is an excellent way to build their character. Remember good character is taught and caught! If you would like to learn more about this take a look at these great courses bought to you in partnership with Little Ones Training and Education.https://www.littleoneslondon.co.uk/…/early-years-care-educa…  

Get 10% Discount with us by using the code: nannyjob

The Importance of Play in Early Years

Do you remember when you were young and the hours of fun that you had playing with a bowl of water, bubbles, pots and pans, a ball? Did you realise that you were learning?

Learning through play is one of the most important elements of a child’s development. Play encourages Language Skills, creativity, social skills, a sense of fun and the ability to enjoy time alone or as part of a group. Children often learn skills that they will use for the rest of their life and that will help them with the more academic learning they will have to undertake.

Here are some examples of how inexpensive and easily accessible playthings can help your young children learn: –

Anything physical like ball games, climbing in the park, running will all enhance and strengthen they body, help with co-ordination skills and encourage a lifelong enjoyment of keeping fit and healthy.

Board Games, Card Games, party games all help with learning to take turns, teamwork, ability to mix and socialise with others.

Building blocks, shape sorters and jigsaws help with fine motor skills, developing logic, recognising differing shapes and sizes and putting things into order, all brilliant skills when it comes to maths and science.

Singing, playing musical instruments and dancing all help with listening and hearing skills and help develop a sense of rhythm.

Play dough, drawing, painting, playing with dolls, dressing up, using empty boxes, sandpits, are great for imagination and creativity. For slightly older children writing basic stories alongside their pictures help with learning to express their feelings and language skills.

Playing with water is a great start to science and Maths, learning the difference between fluids and solids, measuring, different size containers.

What ever they do, it needs to be a fun and entertaining environment, not forced. Let children take the lead and do things their way. If the play area and equipment are safe there is no reason why they cannot find different and unusual ways of doing things and experiment. Remember children all develop at different rates and some children that can do a simple jigsaw may find it difficult to share and visa verse.

And finally, at the end of the day, when your little one is tired and exhausted from all that playing and using their imagination don’t forget to make reading time fun. Let them look at the pictures and tell the story they see.

Spending time playing either as a family or on their own need not be expensive or time consuming, a few minutes playing a card game, or kicking a football about can really help a child calm down, get them (and you) in a happy place and get on with the day. Never underestimate the benefits of having fun!

Nanny Leaving

Our recommended partners at www.PayrollForNannies.co.uk provide payroll advice for
parents and have created this content.
Parents, as an employer it is your responsibility to inform HMRC when nanny leaves your
employment, this is done by an FPS submission via payroll software.
If you use payroll4nannies.co.uk we can handle this for you. The main problem we have
when nanny leaves, is that we get notified late that nanny has left. This means that we
submit to HMRC that nanny has been paid for a month when in fact she did not. This can be
corrected, but can lead to issues with nanny’s tax code in the meantime. The same can be
said for pensions. If we have not been told nanny has left, we will submit amounts to HMRC.
This can also be fixed but we will need to request the money back from the pension provider.
If nanny is leaving, you need to see if she is owed any holiday pay which she has accrued
and not taken, this would be paid in her final payslip. It also occurs nanny has taken more
than her holiday allowance, so the overpaid holiday needs to be deducted in her final
payslip.
It is prudent to detail in nanny’s contract that any holiday taken over her allowance upon
leaving will be deducted from her final payslip.
Once nanny’s leave date has been confirmed, you will need to confirm if any holiday pay is
owed or needs to be deducted, redundancy due or payment in lieu due, once confirmed
payslip would be finalised and a P45 can then be processed and submitted to HMRC.

Training and Education

Do you know that the development of language in children occurs in 4 stages? These are babbling stage, single-word stage, two-word stage, and multi-word stage.
If you are interested in learning more about this, take a look of the courses that Little Ones Training and Education has on offer for you!
Don’t miss this incredible offer, which we bring you in partnership with Little Ones Training and Education!  20% off using the CODE: nannyjob.
To learn more about the courses, please visit: https://www.littleoneslondon.co.uk/childcare-courses

Education and Training

We have teamed up with Little Ones Training & Education, to bring you a fantastic opportunity. They are offering 20% discount on any of their EYCE, Sleep Well or PAICE courses. Call them on 020 7112 8057 quoting nannyjob to book and look at their website for information on these and other courses they run.
https://www.littleoneslondon.co.uk/childcare-courses

Starter Checklist

Our recommended partners at www.PayrollForNannies.co.uk  provide payroll advice for parents and have created this content.

 

Normally a nanny who has just started in your employment will hand you their P45 from previous employment which details the tax code, gross earnings and tax deducted.

P45’s are only valid and used if they are for the current tax year.

If this is nanny’s first ever job, she will not have a P45 and will be required to complete a Starter Checklist.

Other reasons for completing a Starter Checklist could be that nanny has misplaced or lost her P45 or has not worked in the current tax year.

The starter checklist once completed will advise what tax code needs to be operated for nanny and if a student loan needs to be deducted.

A link for the Starter Checklist:

https://public-online.hmrc.gov.uk/lc/content/xfaforms/profiles/forms.html?contentRoot=repository:///Applications/PersonalTax_iForms/1.0/SC&template=SC.xdp