HMRC Payment Deadlines

In order to avoid penalties and interest, it is important to make sure you pay HMRC on time for tax, employee and employer national insurance and student loan deductions.

Here is a note of each quarter’s payment and payment deadlines:

Quarter Period for Payment Date

Quarter 1 6^th April to 5^thJuly 22^nd July

Quarter 2 6^th July to 5^th October 22^nd October

Quarter 3 6^th October to 5^th January 22^nd January

Quarter 4 6^th January to 5^th April 22^nd April

If your PAYE exceeds over £1,500 a month, you will have to pay HMRC monthly instead of quarterly.

The best way to pay them is directly via their website, you will get a confirmation email from them stating all the transaction details in case there was ever a dispute of payments- https://www.tax.service.gov.uk/pay-online/epaye

Why to Choose a Childminder

Choosing a childminder to provide care for your child has many benefits for both the child and the parents. In this article we will outline a few of the reasons of why a childminder can be a really beneficial influence in your child’s life, as well as why they can be a great choice for parents, too.

Child development, security and confidence

In an ideal world, parents would be able to choose to stay home with their children until they felt the child had reached an age that they were able to cope with being separated from them, but unfortunately this can’t always be possible. A childminder offers the child a real sense of safety and security because they can really get to know each other well. The child will not have to get to know a large amount of staff and be used to different people caring for her – instead they only have to settle in to a familiar home environment and one carer. Developmentally speaking this is very important – children need to be able to form secure attachments to their caregivers, and this can be hard if there are many different caregivers in the picture.

Convenience and flexibility

A childminder looks after children in their own home, and as such they can be very useful when trying to find care for children who are already at preschool or school. They generally will be happy to do pick-ups and drop-off’s from/to school and clubs, and some childminders will even pick up children from their homes and drop them back again if they are out and about at that time anyway. This can make life just that little bit easier for busy working parents. Additionally, special requirements (such as dietary needs) can be more easily managed in this kind of environment where care can be individualised.

Social benefits

Many parents worry that their children won’t get adequately socialised if they are not attending childcare in a group setting. In actual fact, large group settings can actually be damaging for confidence and social skills for some children. Research has shown that thrusting children into large groups before they are ready can make quite an impact on their emotional development. With a childminder, children will get to socialise in small groups in a familiar environment. They are able to get to know each other properly and will often become very good friends. Additionally, children will benefit from the opportunity to socialise with children of different age groups, which is a much more realistic form of socialisation – after all, apart from school, where else in life are we confined to groups of people of the same age as us?

Cost

Childminders are a very cost-effective choice for parents. Their cost will depend on their experience and any extras included but you can usually expect to pay somewhere between £4.50 and £5.50 per hour, depending on where you live. Some childminders will include the price of meals, snacks and drinks in their hourly rate, whereas others will charge extra. Additionally, childminders often get discounts for local child-friendly attractions, so excursions can be cheaper.

NMW National Minimum Wage 2020/21

From April the NMW (National Minimum Wage) rates are changing for the 20/21 tax year.

As an employer you must comply with the national minimum wage, if you do not you could end up in an Employment Tribunal or be reported to HMRC and face a fine of up to £20,000.

The new hourly rates for the tax year 2020/21 are:

Apprentice – £4.15
16 to 17 year old – £4.55
18 to 20 year old – £6.45
21-24 year old – £8.20
25+ – £8.72

If nanny lives in the family home and not separate accommodation provided by the employer, then the national minimum wage does not apply.

For live in nannies, there is a daily accommodation offset rate of £8.20 per day, £57.40 a week. These rates are set every April, so it is important to keep up to date with the new legislation. These rates are from April 2020.

For accommodation provided to nanny other than the family home, this will need to be declared as a Benefit In Kind.

Zero-Hours contracts

‘Zero hours contract’ is a non-legal term used to describe many different types of casual agreements between an employer and an individual.

Generally speaking, a zero hours contract is one in which the employer does not guarantee the individual any hours of work. The employer offers the individual work when it arises, and the individual can either accept the work offered, or decide not to take up the offer of work on that occasion.

Regardless of how many hours are offered, the employer must pay at least the National Minimum Wage.

Everyone employed on a zero hours contract is entitled to statutory employment rights. There are no exceptions.

A person will benefit from the employment rights associated with their employment status and individuals on a zero hours contract will either have the employment status of a ’worker’ or an ‘employee’.

Any individual on a zero hours contract who is a ‘worker’ will be entitled to at least the National Minimum Wage, paid annual leave, rest breaks and protection from discrimination.

Unpaid Parental Leave

Eligible employees can take unpaid parental leave to look after their child’s welfare, for example,

spend more time with their children

look at new schools

settle children into new childcare arrangements

spend more time with family, such as visiting grandparents

Their employment rights are protected during parental leave.

Parental leave is unpaid. Employees are entitled to 18 weeks leave for each child and adopted child, up to their 18^th birthday.

The limit on how much parental leave each parent can take in a year is 4 weeks for each child (unless the employer agrees otherwise).

You must take parental leave as whole weeks (eg 1 week or 2 weeks) rather than individual days, unless your employer agrees otherwise or if your child is disabled. You don’t have to take all the leave at once.

Employees qualify if all of these apply:

they’ve been in the company for more than a year

they’re named on the child’s birth or adoption certificate or they have or expect to have parental responsibility

Employees must give 21 days’ notice before their intended start date. If they or their partner are having a baby or adopting, it’s 21 days before the week the baby or child is expected.

Employees must confirm the start and end dates in their notice. Unless an employer requests it, this doesn’t have to be in writing.

Discrimination

It is against the law to treat someone less favourably than someone else because of a personal characteristic such as religion, sex, gender reassignment or age.

Discrimination can include:

not hiring someone
selecting a particular person for redundancy
paying someone less than another worker without good reason

You can discriminate against someone even if you do not intend to. For example, you can discriminate indirectly by offering working conditions or rules that disadvantage one group of people more than another.

Discrimination in Job adverts

You must not state or imply in a job advert that you’ll discriminate against anyone. This includes saying that you are not able to cater for workers with a disability.

Only use phrases like ‘recent graduate’ or ‘highly experienced’ when these are actual requirements of the job. Otherwise you could discriminate against younger or older people who might not have had the opportunity to get qualifications.

Where you advertise might cause indirect discrimination – for example, advertising only in men’s magazines.

Bank Holidays

Bank Holidays 2020 2020 is upon us and it is always handy to have a list of the bank holidays for the year and what day of the week they fall on. These are the dates of the bank holidays in 2020 for England.
1 January	Wednesday	New Year’s Day
10 April	Friday	Good Friday
13 April	Monday	Easter Monday
8 May	Friday	Early May Bank Holiday
25 May	Monday	Spring bank holiday
31 August	Monday	Summer bank holiday
25 December	Friday	Christmas Day
28 December	Monday	Boxing Day

If a bank holiday is on a weekend, a ‘substitute’ weekday becomes a bank holiday, normally the following Monday.

It is worth noting that if nanny does not work 5 days a week that she is still entitled to bank holidays on a pro rata basis, for example if nanny only works 3 days per week then she is still entitled to 3/5ths of the 8 bank holidays whether her working day falls on a bank holiday or not.

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?

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!
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.
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.
Tissues, wet wipes and hand sanitizer.
Sunscreen and lip balm, even the most overcast days can require some protection from the sun, always better to be safe.
Nappies (Or underwear if potty trained), Changing mat, wipes, cream disposable potty, – you never know when you might be caught out!
Change of clothing, what child hasn’t rolled in the mud or been sick and needs to be changed.
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.
Bottled Water – Great for cleaning up a messy child or for a drink break through the day.
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.

Childminders – How to Make Your Home Childcare-Friendly

Childminders take care of children in their own homes, so it’s important that your home is not only child-friendly and safe, but also suitable for childcare. Ensuring your home is correctly set up will make your life easier, and more enjoyable for the children in your care.

Following is a list of ideas you may like to use to help your home function as an efficient, yet still a home-from-home, childcare setting.

Toilet facilities

You may not have thought much about your toilet facilities before setting up as a childminder, but it is something that will need your attention. As a childminder, you will be looking after children of different age groups whose toileting needs may be different to one another.

Invest in a potty and a special toddler toilet seat for younger children to use whilst in your home, and have a pack of wet wipes and disposable nappies available for emergencies.
You may not wish to have a lock on the door that is accessible to small hands. Instead, provide a “do not disturb” sign that can be hung on the door whilst the toilet is in use by a child who wants privacy – and ensure that everybody knows what the sign means!
Liquid soap in a pump bottle is less messy, easier to use and more hygienic than traditional block soap.
A nice way to help children feel at home – and to help minimise the spreading of germs, particularly during this pandemic – is to provide individual hand towels for each child, or one if you can one use towel which you can wash and replace each day, hang them on a hook with their name above it. Inexpensive self-adhesive hooks can be bought from DIY shops, and sticky labels from anywhere that sells stationery.

Personal property box

Young children tend to come with a lot of extra baggage. Spare clothes, changing bags, sunblock, umbrellas and special toys may all be spending the day at your house too. When you find yourself minding three or four children, things can get pretty cluttered and crowded as you can probably imagine! Not all of us are lucky enough to live in large houses where a whole room can be dedicated to storing the children’s things, so you will need to be creative. A good way for childminders to get around this is purchasing some inexpensive plastic storage tubs and allocating one to each child you regularly care for. These can be placed in a row somewhere in the house and will help you stay organised. It will become part of the child’s routine to put any item they need to keep safe in the box, and to collect the contents of the box before leaving.

Dining cupboard

Younger children will probably require special plates, cups and cutlery to help them feed themselves. If you can, dedicating a separate cupboard to these things will make your life a lot easier when it’s lunchtime or snack time.

Overall, the most important thing to remember is to stay organised. The old saying, “a place for everything and everything in its place”, is very apt for those who are providing childcare in their homes. A little forward planning will make your life exponentially easier.