Tag: mumbloguk

My hopes for Mole

I’m coming close to having Mole for a full year now. She is the most perfect, little girl. Watching her grow this past year excites me for what the future…

I’m coming close to having Mole for a full year now. She is the most perfect, little girl.

Watching her grow this past year excites me for what the future holds. Every single day I spend with her just gets better and better.

Mole is always smiley. I hope i’m not jinxing myself when I say this, but, I haven’t had a tough day with her in a long time. Mole will happily play for hours with her favourite blanket and look back at us to check we are still watching her play peek a boo with the biggest smile on her face.

Her little giggle that comes out when we blow raspberries on her belly or pretend to eat her food. I wouldn’t change her for the world.

Sadly, I would change the world for her.

Since becoming a mum I am aware of so much more. I take more interest in world conflicts and other serious issues going on that could affect my Childs life.

I have even reflected on my own upbringing and seen parts that I know I couldn’t do for Mole.

Here are some of my hopes for my baby girl

Happiness

A very expected hope. I want to focus on the fact that happiness can come from the smallest things. I would love Mole to find happiness in simple things that don’t need hundreds of pounds to buy or years to finally achieve.

Strong Family Values

My hope is Mole will understand the importance of strong family values. I want her to live by the saying that “at the end of the day we are family” so no matter what may happen. I think it is even important to treat people close to you as you would family with the same level of respect.

Healthy

I really hope that Mole lives a healthy life. I feel that in this day and age we are so lucky to know which foods to avoid in order to live a healthy life. We even know so much more on cigarettes and alcohol now that I find bizarre to ignore the serious health risks associated.

Fun

I hope Mole does not take life too seriously and has fun! Since having Mole, I feel like my life has only just begun and i’m having the most fun i’ve ever had. Funny really because I don’t go out as much or do things I use to think was fun. I can have fun dancing around the kitchen to nursery rhymes or going out for a walk with the pram.

Her own goals

Growing up, it was very clear what my parents wanted for me career wise. The thought of doing something not academic was not entertained and I was padlocked to the educational path of college, degree and job. I look back now and whilst I am proud of myself for achieving all of this, I do wish I gave myself more time to think what I really wanted to do. And give myself the credit for doing something for me.

I will be supportive of Moles goals in life and take into consideration that she is her own person.

Bond

I hope me and Mole will always have a close bond. We are inseparable now and I cant imagine that changing.

I’ve always longed for a close relationship with my mum. I get jealous when I hear people talking about how their mum is their best friend. It’s my number one priority to make sure Mole knows she is loved and that no matter what she will always have me.

 

 

Love Mummy xx

 

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Help your baby’s Grandparents benefit from childcare

We are all aware of formal childcare fees becoming more and more expensive and the best cost effective decision for us can be to let the Grandparents care for your…

We are all aware of formal childcare fees becoming more and more expensive and the best cost effective decision for us can be to let the Grandparents care for your child/children whilst you have to work. They have been a vital role in many of us being able to even return back to work.

grandparent caring for grandchild

Many working grandparents have even give up their jobs in order to care for the grandchildren.

Unfortunately, this can mean losing out on their state pension rights.

So how can grandparents benefit?

Grandparents that care for children under 12 can qualify for National Insurance Credits that can top up their pension in retirement.

Grandparent Facts and Figures

  • Half of the UK’s 7 million, working age, grandparents in Britain have a grandchild under the age of 16.
  • 63% of all grandparents with grandchildren under 16 help out with the childcare. Surely yours must be one of them?
  • 1 in 5 grandmothers provide at least 10 hours a week of childcare
  • 1 in 4 working families and 1 in 3 working mothers use grandparents for childcare
  • The childcare they provide is worth £7.3 billion a year, mainly from school holiday care.

It is clear to see that the decision for grandparents to provide the care whilst parents can return to work is growing in popularity.

How the system works

Working parents can transfer their Child Benefit credits they receive and donate them to their child’s grandparents for the previous tax year.

Both parents and grandparents must apply for the credits to be transferred first. Hopefully by transferring National Insurance credits will stop grandparents missing out on building up a full state pension.

So, if the grandparents care for grandchildren under 12 years old, they can qualify for class 3 national insurance credits. The credits will count towards the grandparents qualifying years for a full state pension.grandparent caring for grandchild

The NIC details

Retirees need to have accumulated 35 years’ worth of National Insurance Contributions (NICs) – These are the credits built up for each year they’re in work.

But, not all grandparents that are retired worked for the full 35 years.

Instead, if they are looking after a child below the age of 12, the childcare credits can top them up.

This means the grandparent can continue to build up their National Insurance Contributions as they look after their grandchild.

How to claim

To claim download this form here.

You can not claim if you have claimed for any other NIC’s that year. The back date for claiming is 2011.

 

 

 

 

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