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2 weeks agoBlogsComments Off on Five-week warning for parents to claim code for new free childcare help – are you eligible?
PARENTS should be aware of fast-approaching deadline to apply for free child care support.
The government has confirmed that you need to apply for a childcare code by March 31 for the free hours to kick in by the time the new term starts.
Parents need to apply for a code to get access to free childcare hoursAlamy
That means if your term starts in April you need to apply for a code by March 31, giving parents just weeks to apply.
The childcare code gives you access to 15 free hours of government funded early education, for children aged nine months up to two years old.
This can be combined with the universal 15 hours to make 30 hours of free childcare when your child turns 3 or 4.
Parents can now apply for the codes to help reduce the costs of looking after their little ones.
You can apply online via the Gov.uk website and once you do you will receive a code which you can give to your childcare provider to get money off.
You may find out if you’re eligible straight away, but it can take up to seven days.
How much support you receive depends on your child’s age and whether you are working and your income or your partner’s income if you have one.
It is also worth noting that not every nursery offers the free government support.
So it may be worth checking with your local providers to see what they offer ahead of time.
Some providers may charge for extra services, such as providing lunch and nappies, or optional extras such as trips, in addition to the government fundedchildcare.
If you are a parent who is returning to work you must also apply for a code.
If you foster your child, you can claim free childcare if you’re working as long as you are in paid work outside of your fostering role.
It’s important to remember that codes need to be renewed every three months.
To do this, you’ll need to remember to login to your childcare account to check when your reconfirmation dates are, so that you can renew your code on time.
If you don’t renew it on time, you will need to reapply.
HOW DO I APPLY FOR THE SUPPORT?
To qualify, you’ll need to earn at least the equivalent of the national minimum wage for 16 hours a week.
Both parents will need to earn at least £166 per week each, with a taxable income of no more than £100,000.
Your two-year-old can also get free childcare if you live in England and get any of the following benefits:
Income support
Income-based jobseeker’s allowance (JSA)
Income-related employment and support allowance (ESA)
Universal Credit and your household income is £15,400 a year or less after tax, not including benefit payments
The guaranteed element of pension credit
Child tax credit, working tax credit (or both), and your household income is £16,190 a year or less before tax
To apply for the support you need the following:
your national insurance number (or unique taxpayer reference if you are self-employed)
the date you started or are due to start work
details of any government support or benefits you receive
the UK birth certificate reference number (if you have one) for your child.
Once your application has been approved, you’ll get a code to give to your childcare provider.
WHAT OTHER SUPPORT IS AVAILABLE TO FAMILIES?
Parents on Universal Credit and in a paid job can have up to 85% of their childcare costs covered, up to £1,014.63 a month for one child and £1,739.37 a month for two or more children.
It doesn’t matter how many hours you work.
If you live with a partner, you both need to work to qualify.
You usually have to pay for the childcare and claim back the costs, but if you go back to work or increase your hours you can request that the money be paid upfront.
You can get child benefit if you’re responsible for a child aged under 16, or if they are under 20 and in approved education or training.
Child benefit is currently worth £25.60 a week for the eldest child or only child. For each subsequent child, parents get £16.95 a week.
The cash is paid every four weeks and there’s no limit to how many children you can apply for.
Bear in mind though, that those who earn more than £60,000 a year have to start paying back some of their child benefit through the High Income Child Benefit Charge (HICBC).
If you or your partner earns £80,000 or more, you have to pay all your entitlement back.
You have to pay the HICBC to HMRC through self-assessment.
How to claim Child Benefit
Child benefit is worth up to £1,331 a year for your first or only child and up to £881 a year for additional children.
This works out at £102.40 every four weeks or £25.60 a week for your first child and £67.80 every 4 weeks or £16.95 a week for their siblings.
There is no limit on the number of children that can be claimed for.
Applying is straightforward and can be done in minutes at gov.uk or through the HMRC app.
Parents with a newborn baby should make a claim online as soon as possible and could then receive their first payment in as little as three days.
You can also backdate claims for up to three months.
Parents can make a claim and then choose to opt out of receiving Child Benefit payments can still receive National Insurance credits if one parent is not working.
National Insurance credits build up your entitlement to the state pension.
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2 weeks agoBlogsComments Off on I had 10 panic attacks a day, says student – as shocking stats on mental health at university revealed
A UNIVERSITY student says her first year “work overload” triggered 10 panic attacks a day.
Kali Kuszyk-Whittall, 20, initially found her first term at university “exciting,” balancing studying with making new friends and fitting into a new home.
Joseph Walshe/PinPepKali Kuszyk-Whittall struggled as she entered second year of uni[/caption]
Joseph Walshe/PinPepShe developed coping strategies to stop the attacks in their tracks – like running cold water over her wrists, going for walks and watching TV[/caption]
But as the second term came around, she says she underestimated how many hours she’d have to dedicate to her degree.
Studying for her modules at Birmingham City University and trying to hold down a part-time job led to Kali suffering 10 panic attacks a day.
She sought help from her GP and university therapist, each of whom gave her 10 sessions of counselling.
And Kali also developed coping strategies to stop the attacks in their tracks – like running cold water over her wrists, going for walks and watching TV.
Now, nearly a year later, she’s in a “better” place while in her second year of studies – and manages to leave the house for lectures lasting “a few hours a day.”
Kali said: “There was an initial excitement with starting uni.
“At the very beginning, it was very exciting and new – I found myself living with friends I already knew from school, which was great.
“But as the term went on, I struggled to feel like I was keeping on top of all my work – there was a pressure to feel like I knew everything in all my modules, when I didn’t.”
Kali’s story comes after a recent poll found one in 10 university students feel “constantly anxious”, with exam stress, money worries and balancing their studies with their social life among the biggest concerns.
The poll of 1,000 current and past university students found 43 per cent were often or always worried during their studies.
Kali says she had previously suffered from depression – but the panic attacks didn’t begin until six months after she started uni.
Once they were triggered, she struggled to get a grip on them – and would have to stay at home to deal with the “constant” feelings of panic.
All-in-all, Kali took four months off, while she received help.
“It was a big change from being at home to then obviously being in a whole new environment,” she said.
Many think students have it easy and say it is the best time of your life. But it can be a very stressful and worrying time for those who may be feeling anxious about how to deal with their course, manage finances or simply be away from home.
Dr Naveen Purimedical director for Bupa
“I didn’t feel like I was really understanding the work at first, as well as having to get a new place.
“There was a lot of self-doubt, really.”
Kali added: “There were lots of coping mechanisms I randomly found out for myself.
“Cold water and ice on my wrists would stop a panic attack while it was still in the beginning stages.
“I’d also use things to distract me, like listening to music, watching new shows on TV and reading new books.”
Kali completed six sessions of CBT between June and August 2024 – and it was during this time that she returned to her studies.
She now feels like she’s “getting back to being okay,” and is surviving through her course despite her struggles.
“It’s definitely not perfect, but it’s manageable, and I’m getting back to being okay,” Kali said.
One in five depressed at uni
Kali is not alone, with the recent poll finding that a fear of failure or dropping out, fitting in with their peers and coping with the pressure of what they are going to do after they graduate were among student’s concerns.
More than half (55 per cent) had moments where they questioned whether they wanted to complete their course.
First and third year students were most anxious – both 27 per cent, with the second term (35 per cent) deemed the most difficult, as the reality of university life set in.
Dr Naveen Puri, medical director for Bupa, which commissioned the research to launch its health subscription service, which gives students access to GPs and mental health support, said: “Joining university comes with a lot of worries and fears.
GettyA recent poll found 43 per cent of students were often or always worried during their studies[/caption]
“But often, it’s not until a little later on that these start to show, once the fun and excitement of term one has worn off and the hard work of term two begins.
“Many think students have it easy and say it is the best time of your life.
“But it can be a very stressful and worrying time for those who may be feeling anxious about how to deal with their course, manage finances or simply be away from home.”
The study also found 23 per cent often or always felt depressed while at university.
And half of those polled admitted the realisation of how hard their university degree was going to be affected their mental health.
As a result of feeling stressed or worried, 39 per cent ate more junk food while 34 per cent skipped lectures.
Others avoided socialising (33 per cent), called home more often (28 per cent) and missed deadlines (25 per cent).
But 30 per cent didn’t know who to turn to for help.
Some 38 per cent claimed their physical health impacted their ability to participate in university life, while 39 per cent said the same of their mental health.
The research, commissioned via OnePoll, also revealed the biggest barriers to accessing healthcare while at university, including worries they were overreacting (35 per cent), a lack of time (34 per cent) and fears they won’t be taken seriously (32 per cent).
Dr Naveen Puri, from Bupa, added: “For many students, taking the step to speak to a medical professional over a physical or mental health issue can be daunting, especially for those who may be used to their parents taking care of this for them.
“But it’s important to ensure students have the healthcare support they need as they navigate their studies.”
Top 20 student concerns
1. Exam stress 2. Money worries 3. Academic pressure and meeting expectations 4. Balancing study and social life 5. Concerns about time management and meeting deadlines 6. Fear of failure or dropping out 7. Handling group projects or presentations 8. Pressure to decide what to do after university 9. How hard your course was and whether you could keep up 10. Uncertainty about career prospects after university 11. Anxiety about fitting in or dealing with peer pressure 12. Issues with mental health 13. Whether you’d picked the right course 14. Adjusting to living away from home and being independent 15. Fear of not making friends 16. Issues with housemates 17. Homesickness 18. Not having a parent nearby to help you when needed 19. Issues with physical health 20. Navigating a new city
Kristina’s sister posted a furious message after the reunionInstagramChannel 4The MAFS star was left devastated by reunion revelations[/caption]
Kieran was forced to reveal his secret fling with EricaChannel 4
The news came as a complete surprise to his former show bride Kristina Goodsell, who ended up in tears over the revelation.
Kristina later took to Instagram to repost a story from her sister, which read: “My poor little sister, blissfully unaware she’s being taken for a right mug.
“@e4mafsuk you’ve done her dirty.”
In last night’s episode, Erica gleefully said: “Kieran came up to Edinburgh, he stayed at mine the night we had a kiss.”
She insisted: “I’m not a dirty little secret.”
As the arrivals began speculating on who was going to turn up next, Kieran began to panic and said: “I didn’t know Erica was going to be here and I haven’t told Kristina yet.”
She picked up on his uncomfortable body language after an awkward introduction and said: “He’s acting really awkward now, but he wasn’t acting awkward at my house.”
Later Erica put Kieran on the spot and asked if he had anything he’d like to tell Kristina.
Gutted Kristina said to camera: “I feel like a bit of a nob, Erica’s been kissing my ex-husband.”
At the table, she held it together well, telling him: “Kieran, whose tongue you have in your mouth is none of my business. Erica, I hope you haven’t got a cold sore now.”
Kieran and Kristina tied the knot for the latest series of MAFS UK and – despite a promising start to their relationship – things ended in tears as the couple struggled with intimacy.