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.

Home Schooling (Dolphins)

Home schooling can be quite a challenge sometimes, but it was an absolute delight learning about dolphins with Matilda (4). The task set by her teacher was to watch a video and then answer some questions in an online worksheet.

Dolphins sleep with one eye open, because they sleep with only one half of their brain (in four hourly periods). This is so they can keep on breathing and not drown; I needed to explain to Matilda that they’re mammals and not fish. It also ensures they can look out for danger, keeping their muscles working to maintain their body temperature. They also have their own name, watch the video! They can’t smell, but do use echolocation to identify dangers before they can see them.

We also learnt that dolphins eat fish, squid, and octopus, amongst other things, to which Matilda replied, “But octopus don’t like being eaten.”

Note: While learning about sleeping with one eye open, I couldn’t helping thinking about Enter Sandman by Metallica.

Second-hand presents? Discuss!

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This Christmas I’ve been reflecting on commercialisation of the season, along with general consumerism and materialism in society; have these three things brought us greater happiness, or should we be more aware of their dangers to the cohesiveness of family and social life?

One thing you certainly realise having children is the amount of packing that surrounds toys, as well as the amount of human effort and ingenuity needed to extract them. Not to mention all the plastic (both large and small) that comprises the packaging; plastic that is increasingly becoming a problem in our finite world.

With those thoughts in mind, I was delighted to receive two wonderful books. They’re second-hand hardbacks, and (in my view) are perfectly acceptable to give as presents. I’ll treasure them and read them every day for two years. Discuss.

See also New Every Morning.