Can YOU afford to become a stay-at-home mum? We 明らかにする／漏らす the income you and your partner really need, how to 確実にする you don't 行方不明になる out on 決定的な 利益s - and a simple trick to 確実にする you keep 持つ／拘留する of your 年金 マリファナ…
It's the late-night discussion that many couples juggling a growing family, stretched 財政／金融s and long working hours will have ? and a hot conversation point の中で new mums.?
If you're a mother who wants to spend more time with your children, how can you afford to make the leap?
The number of stay-at-home mothers is at an かつてない low of 1.5million ? having halved from 2.9million 30 years ago, によれば 公式の／役人 人物／姿／数字s.
The number of stay-at-home mothers is at an かつてない low of 1.5million ? having halved from 2.9million 30 years ago, によれば 公式の／役人 人物／姿／数字s
High 所有物／資産／財産 prices and the rising cost of living?has played its part.?
Four fifths of women - and three ４半期/4分の1s of men - with children 老年の under five say they would like to spend more time with them, but cannot afford to, によれば a 調査する by think 戦車／タンク Civitas.
£34,000 is the （判断の）基準
The most obvious 大勝する to 存在 a stay-at-home mother is to have a partner who brings in a reliable ? and preferably high ? income.
When staying at home with children, you are sacrificing one person's 行う. This means the earner will have to cover all 決定的な expenses such as 住宅, food, 燃料, 着せる／賦与するing and 法案s ? in 新規加入 to any 'nice-to-有産国' such as holidays, days out and activities.
The 普通の／平均（する） UK 世帯 spends £530 a week (£27,500 a year), によれば the 最新の 公式の／役人 data from 2022, although the richest fifth of 世帯s spend £811.20 a week, while the poorest fifth spend いっそう少なく than half at £329.80 a week.
To 会合，会う the 普通の／平均（する） cost of £27,500 a year, you'd need to earn a pre-税金 salary of at least £34,000.?
However, where you live will play a 抱擁する part in how affordable this is. A 世帯 salary of £34,000 will go much その上の in the north east, for example, compared with London and the south east where 住宅 costs are higher.
Stay at home and save £20,000 per child
Many stay-at-home parents of young children say the high cost of childcare 原因（となる）d them to stop working.?
The UK 普通の／平均（する） cost of a 十分な-time nursery place for a child under two is £14,501 a year, says the children charity Coram's 年次の Childcare 調査する 2024. But in London and the south east the price is comes in above £20,000.
Some parents sa y it does not make 財政上の sense to work and 支払う／賃金 for childcare, 特に if you are 支払う／賃金ing for 多重の children or are factoring in 減刑する／通勤するing costs.
Lucy Edmonds, 40, ran a 商売／仕事 for 12 years before giving it up to spend more time with her children, 老年の 5 and 11 months, thanks to her partner's income.
Lucy owned a stationery shop in Marylebone, London, and also did calligraphy （売買）手数料，委託（する）／委員会／権限s for （弁護士の）依頼人s from a studio on-場所／位置.?
She の近くにd the 商売／仕事 four years ago after having her first child, because she 設立する it difficult to work while taking care of a young baby, although is now thinking about returning to work.
'The 推論する／理由 for 存在 able to stay at home is まず第一に／本来 because of the 特権 of having a partner who earns enough for me not to worry about when I go 支援する to work. He 作品 in 財政上の services.?
But it has been a really big mental 調整 for me because I was very used to making my own money.?
We 見解（をとる） the income as a 共同の 成果／努力 as I'm a 十分な-time child carer, and that has its own value,' says Lucy.
税金 system penalises 選び出す／独身-income families
Be aware that the UK 税金 system does not favour 選び出す／独身-earner families. In the UK, every adult is 税金d 個々に and each person gets a personal allowance of £12,570 before you start 支払う／賃金ing 税金.
Someone on a salary of £45,000, 支払う／賃金ing 5 pc of their salary into a 年金 (the 最小限 要求するd for 従業員s), would take home £34,369 a year after 税金 or £2,864 a month.
With two people 収入 a total of £45,000 - perhaps with one 収入 £20,000 and the other 収入 £25,000 - the total take home 支払う／賃金 would be £38,138 a year after 税金 and 年金 出資／貢献s, or £3,178 a month. So that's an ex tra £314 a month if the income comes from two people rather than one.
Once you earn above £100,000 you start losing the personal allowance and it is 完全に 孤立した once your 収入s 攻撃する，衝突する £125,000.
A 選び出す／独身 earner on £130,000 would have take-home 支払う／賃金 of £79,476 a year after 税金 and 5pc 年金 出資／貢献s, or £6,623 a month.
A couple on a 連合させるd income of £130,000 - perhaps with one 収入 £50,000 and the other 収入 £80,000 - would take home a 連合させるd £93,406 毎年 or £7,783 月毎の ? an 増加する of £1,161 a month compared to a 選び出す／独身 earner.
Stay at home 味方する-hustle - earn £13,570
Many stay-at-home parents will have some form of '味方する hustle' or small 職業s to bring in some extra cash, whether it's selling 着せる／賦与するs on 壇・綱領・公約s such as Vinted, taking part in online 調査するs, entering 競争s or selling handmade or personalised items.?
These are possible to do in the evenings or 潜在的に even around small children.
You can earn up to £12,570 a year without having to 支払う／賃金 any 税金. There is also a その上の £1,000 '貿易（する）ing allowance', which means you could earn £13,570 税金-解放する／自由な.
Salary above £50,000? You may still be 適格の for 利益s
Millions of people 行方不明になる out on money 利用できる to them in 利益s, says the charity Turn2us.
You may be する権利を与えるd to 利益s such as 全世界の／万国共通の credit even if you have a generous 世帯 income. Families with two children can be 適格の for 全世界の／万国共通の credit even on 収入s above £50,000, if they rent and need formal childcare.
What does that mean?
The Turn2us 利益s calculator can help you see whether you are 適格の for 全世界の／万国共通の credit, help に向かって childcare costs, and other 利益s 含むing carer's allowance and 会議 税金 support.
If you are married, 資産s such as 年金 money may be 分裂（する） 平等に in the event of a 離婚
保持する your 年金 マリファナ
Parents who choose to stay at home and not work should 確実にする they 保持する 接近 to the 明言する／公表する 年金. You do this by 登録（する）ing for child 利益 in the 指名する of the 非，不，無-working parent.
You should 登録（する） for child 利益 even if the working parent earns more than £80,000, the threshold at which child 利益 is lost. This will する権利を与える you to the 価値のある 国家の 保険 credits that count に向かって your 明言する／公表する 年金.
You may also want to 保護する yourself in 未来 by asking your working partner to 支払う／賃金 into a 年金 for you. This is 特に important if you are not married.
If you are married, 資産s such as 年金 money may be 分裂（する） 平等に in the event of a 離婚. However, you should still consider asking your partne r to 支払う／賃金 into your 年金 as there are never any 保証（人）s of 接近 to 年金s or 貯金 should you 離婚.
But you may also want to consider whether it makes sense from a 税金 視野. It may work out better for a high earner to 支払う／賃金 into their own 年金 instead as they 利益 from higher 税金 救済.
Take out life 保険
It is 決定的な the stay-at-home parent is fully 投資するd in how the family 財政／金融s are managed. This will help you be fully aware of the 財政上の 状況／情勢 of your family, 特に if you later separate or your partner loses their 職業 or becomes unwell.
Alice Haine, personal 財政／金融 分析家 at Evelyn Partners, says a major 優先 for a family with a stay-at-home parent is to consider life 保険 and even 批判的な illness cover for both individuals through a 共同の 政策.
If the main breadwinner gets 本気で ill or dies, the stay-at-home parent will need instant cash to get them through those difficult first few months and give them time to consider going 支援する to work to support the family.?
If a stay-at-home parent becomes unwell or dies, the 労働者 will need 基金s to cover time away from work to grieve and look after their family while they organise childcare.
An 代案／選択肢 to consider can be family income 利益, a special type of life 保険 政策 where a loved one is paid a 正規の／正選手 income for a 始める，決める period to 取って代わる a lost income, 追加するs Alice.
The 財政上の 危険 of 存在 a stay-at-home mum
Mothers experience a 60 pc 減少（する） in 収入s compared to fathers in the １０年間 に引き続いて the birth of a first child, によれば a 報告（する）／憶測 on the 'motherhood 刑罰，罰則' by consultancy PwC, and may find it harder to 進歩 in their careers in 未来.?
一方／合間 a woman's 年金 マリファナ is typically 35 pc smaller than a man's at age 55, at just under £100,000 vs almost £150,000.
If the 関係 breaks 負かす／撃墜する, you will be financially 攻撃を受けやすい if you are not working.?
Even in 事例／患者s of a 離婚 where there is a high earner, a 解決／入植地 can take a long time to finalise and you'll need to be able to manage financially in that time.
Kim Uzzell, a wealth 経営者／支配人 and 財政上の coach, says women should think about what will happen in the worst-事例／患者 シナリオ and 計画（する） for how they would support themselves.
'Having an income of our own, a 貯金 マリファナ that we've been 追加するing even small 量s into over time, and a 計画（する） for every 一時期／支部 of life will all help.?
'Family 責任／義務s should be taken serious ly and 収入s from the working parent should be 見解（をとる）d as 世帯 income,' she 追加するs.
We lost my £35K a year but we 削減（する） 支援する on 高級なs
Anna Salisbury, 36, from Suffolk, left a career in frontline social work to become a stay-at-home mother to her two children, now 8 and 5, from 2014 to 2021.
'It was always the 計画（する） that I would stay at home if we were fortunate enough to have children, as I didn't want to put them into nursery ? 特に after what I'd seen as a social 労働者.?
'Also my 職業 just wasn't 柔軟な enough around children and we didn't have family nearby that could help us with childcare,' says Anna.
They lived off her husband 示す's income, an automation engineer who earned around £40,000 to £45,000 a year during that time.?
Anna says this was a good income but she had been 収入 £35,000 a year as a social 労働者, so their 世帯 income dropped 意味ありげに.?
They 削減（する） 支援する on takeaways, holidays and 予算d using spreadsheets to make it work, buying 減ずるd meat and swapping 指名するd brands for cheaper 代案／選択肢s.
Anna began thinking about going 支援する to work when her youngest turned two. She retrained and is now a 事実上の assistant working around 35 hours a month and bringing in £1,000 to £1,200 a month.?
This covers all the children's clubs and activities and money for 扱う／治療するs.
'We can afford more of the 高級なs we couldn't in the 早期に days. It's a lot of 圧力 for one person to 会合，会う all the 法案s, 特に because our mortgage has just gone up.?
'Now I'm working, I can bring more into the 世帯,' says Anna.
