Marriage Allowance Tax Benefits

In the UK, the HMRC allows you transfer £1,250 of your personal tax allowance to your husband, wife or civil partner. This reduces the overall amount of tax you pay as a couple, and it can be backdated for a number of years. It’s a genuine scheme that may benefit some (but not all) couples, although they don’t advertise it very well.

It’s easy to claim this via the HMRC website, or (as we did recently) by telephone. The only problem we encountered was a long wait to get through to someone, but when we did they were very helpful.

There’s nothing to pay, and possibly lots to gain.

Beware googling ‘marriage tax allowance’. Some shyster firms will charge you for applying (they try to look official), but it’s FREE to apply. Follow our guide and the correct links below to do it safely and at no cost. Source

Unfortunately, there are many companies who offer to do it for you, and charge you up to (and sometimes over) 50% of any backdated tax refund. This could be over £500 for something you can easily do yourself, they simply require the same information you have to give HMRC. They are totally legal scams.

The HMRC website and the one quoted above are really helpful.

Note: I’m not an accountant and this post isn’t financial advice, merely pointing out something you might benefit from and a danger to be aware of. Please do your own homework and make your own financial decisions.

Make a donation: If (as a result of reading this) you save some money, please consider making a donation towards the running costs of this non-profit and free from advertising blog. Click here. Regards, John.

Caring (F. R. Scott)

Caring is loving, motionless,
An interval of more or less
Between the stress and the distress.

After the present falls the past,
After the festival, the fast.
Always the deepest is the last.

This is the circle we must trace,
Not spiralled outward, but a space
Returning to its starting place.

Centre of all we mourn and bless,
Centre of calm, beyond excess,
Who cares for caring, has caress.

F. R. Scott (1899-1985)

A Year of Us (Naomi Ager)

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Naomi and I have been considering the adverse effect the coronavirus pandemic lockdown can have on couples, especially those (like us) with young children. I posted something to this effect on Facebook today, not because we had fallen out, but because we both recognise that couples need to work harder on their relationships in times of crisis. This is her guest post. Thank you Naomi, I love you.

I saw this book on Amazon and, given the stress we find ourselves under as a family, but more so as a couple in these days of lockdown, I thought engagement in a couple’s journal together might work in some way to deepen our connection and allow us to explore each other and not lose sight of ‘us’.

There’s always something else you can learn about the person you love whether you’ve been together for a week or 60 years. By sitting together each evening to explore the 365 interesting questions laid out in this book, I feel it will give us a beautiful insight into our hopes and dreams, as well as our most desperate needs that perhaps are going by the wayside right now.

I’m personally finding it difficult to do something as simple as engaging in meaningful conversation when the children have gone to bed. But, having explored this book prior to us starting it together, I think it will give us the opportunity to bring up issues whether deep and heartfelt or more whimsical in nature.

In this period of lockdown, it’s more important than ever to maintain healthy discussions as a couple and to ensure important things are openly talked about. Things such as family finance and sex life (for example) and hopes for now and the future when we are eventually released back into the big wide world again.

It’s also important to talk about our hobbies and interests with each other, and in turn to encourage the person we share our lives with and love with the things that interest them. I want to take even more of an interest and have a better understanding of what interests John. So maybe I’ll read up on stars, planets, space and the universe or listen to one of his weird and wonderful music albums.

Making time to talk about our interests outside of homeschooling the children and general survival at this time, in my opinion, can only solidify the foundation of our relationship and improve life massively, especially whilst living under such pressure.

I plan to share a lot of the daily questions with my friends on Facebook, so they too can sit with their other half, turn off the television, put pen to paper and learn a little more about each other.