Tax and maternity pay, big problam! HUGE mess!

Author Topic: Tax and maternity pay, big problam! HUGE mess!  (Read 861 times)

lucyjones

  • Jr. Member
  • **
  • Posts: 34
    • View Profile
Tax and maternity pay, big problam! HUGE mess!
« on: July 04, 2012, 05:12:25 PM »
Hi ladies you ok?

First of all, i want you all to please refraim from telling me i told you so, because im already in a big enough mess as it is!

basicly iv got myself in a huge mess.

Iv been webcaming since decemeber 2010 untill now and have earned a total into my bank account of 22,520.48  But i havent payed tax on anything, for the main reason that i am so embarised to admit to anybody profeshinal that i do this job!

Now im in the situaton where i am pregnat (9 weeks) and i have been told i cant claim a maternity alowance, and im shiting myself in case i go to jail or something.

Please help. If your going to tell me how much of an idiot iv been, dont bother because nobody can make me feel like a biger idiot than iv been already.

Love lucy xxxx

Strawberry

  • Sr. Member
  • ****
  • Posts: 2102
    • View Profile
Re: Tax and maternity pay, big problam! HUGE mess!
« Reply #1 on: July 04, 2012, 05:31:30 PM »
Hi ladies you ok?

First of all, i want you all to please refraim from telling me i told you so, because im already in a big enough mess as it is!

basicly iv got myself in a huge mess.

Iv been webcaming since decemeber 2010 untill now and have earned a total into my bank account of 22,520.48  But i havent payed tax on anything, for the main reason that i am so embarised to admit to anybody profeshinal that i do this job!

Now im in the situaton where i am pregnat (9 weeks) and i have been told i cant claim a maternity alowance, and im shiting myself in case i go to jail or something.

Please help. If your going to tell me how much of an idiot iv been, dont bother because nobody can make me feel like a biger idiot than iv been already.

Love lucy xxxx

Is this because you haven't kept your NI up-to-date?Unfortunately if you've let it lapse then I don't think there is much you can do apart from claim income related benefits, obviously declaring whatever income or savings you do have.

You may also wish to obtain a pension statement, if you miss too many years (&there can be other reasons for this)it starts to affect your pension entitlement for the future. You can make up the payments from your own pocket if you (a) have the money and (b) it turns out to be worth it(I topped up contributions I had missing from one of the years I was at uni, I'd had a job but didn't quite fulfill the whole of the minimum NI contribution because the job was only for 6 months or so. The top-up to complete the year's worth wasn't very much).

Cat_BBW

  • Sr. Member
  • ****
  • Posts: 1604
    • View Profile
Re: Tax and maternity pay, big problam! HUGE mess!
« Reply #2 on: July 04, 2012, 05:33:45 PM »
You could just carry on camming, if what you've earned so far continues at the same rate, you'll have more than enough to live on. Besides, maternity pay doesn't start until after 30 or so weeks anyway, so you definitely aren't entitled to anything yet anyway.

As to the tax - someone else will be better advising you than me.


EDITED TO ADD - and don't forget you will need to pay tax on any escort income too.
« Last Edit: July 04, 2012, 05:35:59 PM by Cat_BBW »

lucyjones

  • Jr. Member
  • **
  • Posts: 34
    • View Profile
Re: Tax and maternity pay, big problam! HUGE mess!
« Reply #3 on: July 04, 2012, 06:14:03 PM »
22 grand since december 2010 isnt that great, yes its a decent income but not great!

as for keeping working, im informed that kids are hard work.

I have an account coming tomorrow, so we will see . xxx

Cat_BBW

  • Sr. Member
  • ****
  • Posts: 1604
    • View Profile
Re: Tax and maternity pay, big problam! HUGE mess!
« Reply #4 on: July 04, 2012, 07:10:16 PM »
22 grand since december 2010 isnt that great, yes its a decent income but not great!

as for keeping working, im informed that kids are hard work.

I have an account coming tomorrow, so we will see . xxx

It's more than you'll get on income support etc.

Yes, kids ARE hard work, but many of us - me included - worked throughout our pregnancies and returned to work soon after the birth.


Glad you're seeing an accountant, s/he'll help immensely.

Kimmy

  • Sr. Member
  • ****
  • Posts: 478
    • View Profile
Re: Tax and maternity pay, big problam! HUGE mess!
« Reply #5 on: July 04, 2012, 09:15:45 PM »
22 grand since december 2010 isnt that great, yes its a decent income but not great!

as for keeping working, im informed that kids are hard work.

I have an account coming tomorrow, so we will see . xxx

Its not great hun but a lot of people earn less than that and still pay their share of tax

you can still webcam whilst your pregnant if your comfortable with it, iv seen plenty of pregnant girls on AW

sorry not being a twat but it annoys me a bit when people not only dont pay their tax but expect to have kids on the taxpayer aswell, seeing as though your reason for now not working and claiming benefits (you havnt contributed to) is that kids are hard work

Escort38

  • Sr. Member
  • ****
  • Posts: 303
    • View Profile
Re: Tax and maternity pay, big problam! HUGE mess!
« Reply #6 on: July 05, 2012, 12:22:03 AM »
Lucy, have I got this right? You have earned 22+K in less than 2 years and put it all in your bank account?
You are on benefits? You are now pregnant and worried that you can't claim your maternity allowance? Is this
because you have been means tested and they are saying you have too much in savings?
I just don't get this.  Why are you moaning about anything when you are admitting you have not paid any
tax on £22k? 

As you have been so upfront and open about this I think I am entitled to be the same and say you are in no
position to complain about anything as a lot of the rest of us are officially self employed and pay our taxes and NI
which is how it should be.


amy

  • Administrator
  • Sr. Member
  • *****
  • Posts: 4970
    • View Profile
    • adore amy
Re: Tax and maternity pay, big problam! HUGE mess!
« Reply #7 on: July 05, 2012, 12:39:59 AM »
I don't think Lucy meant she was claiming benefits whilst she was working, I read it as her wanting to find out about any maternity benefits she may be entitled to when she can't work because of her pregnancy although I might have got it wrong too and I agree it's not that clear. Either way I suspect she's learnt her lesson and if nothing else by posting openly about it here it might get through to a few more of those who thought they were untouchable.

As for advice, I agree that seeing an accountant is the way to sort things out - it's a complicated enough situation and requires a professional opinion. You could also try your local Citizens Advice Bureau for some help with all round planning. Either way you need to prepare for the tax bill you'll be getting, and your accountant should be able to work that out and what it will come to altogether when the penalties are added. I'd concentrate on getting it all above board asap and count your blessings that you're not in court, to be honest.
You have lovely sheep.

lucyjones

  • Jr. Member
  • **
  • Posts: 34
    • View Profile
Re: Tax and maternity pay, big problam! HUGE mess!
« Reply #8 on: July 05, 2012, 02:00:17 AM »
i just loaded this fourum tonight expecting for ladies who i have supported in my other posts to support me, as to be honest i feel this website is fantastic and i feel that i have been totaly victomised here.

just to clarify i never said i claimed benifits, in fact agein just so you know i have NEVER claimed benifits in my whole entire life, EVER! I dont pay tax,i live purly off my webcaming income.  this mainly is because im an idiot, and and also because i suffer from anxity and depreshion and i felt terably embarrised by telling people i am an online performer.

Not that i feel i have to justify myself i also am a mental health co ocrfinator for a charity for over 17 hours a week and support those thugh a 12 step program how to approach there mental health problam. So i do feel i have pay my fair share to socity - one of the first steps of advice i pass on is to talk to like minded non judgmental people who understand whatever situation your in which i thought i was dooing here befor my apparent witch hunt, gives me great confadence in the future thanks ladies.

i am 100% sure that i am not the only lady here who does not understand or pay tax but i feel you prpbably have put a hell of a lot of people off who come forword.

Lucy

Mellow

  • Guest
Re: Tax and maternity pay, big problam! HUGE mess!
« Reply #9 on: July 05, 2012, 07:24:36 AM »
Lucy thats absolutely not true and I think if you look back at the posts and read them you will see that.  People have taken out time to give you advice, much of it very useful and relevant.

You are in a difficult situation granted, but you yourself admit you were the one who got yourself into it.

We all have our problems but that has nothing to do with our obligations to pay taxes so please stop talking about being victimised.

If you don't want to take any advice from this thread then there is plenty of information on the main Saafe site about tax

Jan10

  • Sr. Member
  • ****
  • Posts: 421
    • View Profile
Re: Tax and maternity pay, big problam! HUGE mess!
« Reply #10 on: July 05, 2012, 08:29:22 AM »
You are self employed and earning a living that's all that matters. Just be upfront about what you do I don't think you have anything to be ashamed of. If they need details just say you chat online to all types of people I am sure you won't have to go into great details about the job anyway. If you have other webcam girls as friends ask them what they describe the job they do to HMRC I am sure they will give you some good ideas.
Hello nice to meet you :)

EmilyJones

  • Global Moderator
  • Sr. Member
  • *****
  • Posts: 3052
    • View Profile
    • EJ
Re: Tax and maternity pay, big problam! HUGE mess!
« Reply #11 on: July 05, 2012, 09:16:29 AM »
If you don't want to take any advice from this thread then there is plenty of information on the main Saafe site about tax

Great post, Mellow. :) I know this can be a sensitive issue but I think that a lot of very fair advice has been given in this thread. And to add the link to the main site, just so it's really easy to find for anyone who might be reading this thread who hasn't visited it before, it's: http://www.saafe.info/

The article on there (under Information for Escorts > Paying Tax, I believe) contains information about how to declare your profession (you don't need to say "I DO SEX ACTS FOR A LIVING!!", so don't worry about that, and at no point is any professional accountant or HMRC employee going to email your mum and describe your personal financial situation to her so even if you declare your profession with the utmost accuracy, nobody else will find out about it) - and how to keep track of your income and outgoings.

If you've got into a difficult situation, it's always best to find an accountant ASAP. It is their job to help all sorts of self-employed people get their financial affairs into order and if you say you're a Masseuse or Online Performance Artist then they have absolutely no right to stick their nose in or make any comments. If you aren't sure whether you can claim for things like condoms/outfits/internet payments on your taxes (you can only claim for things that are considered relevant to your declared profession), just ask them. No sane accountant would be like, "OOOH WHY DO YOU ASK? TELL ME A SEXY STORY!" because if they did, you'd obviously just fire them (and maybe sue them), and find a new accountant who knows what professional conduct actually is.

Accountants are a bit like escorts, except that we are their clients. If you don't like one or think they have a bad attitude, just move on to another one of the five million of them that are working in this country and who are more than happy to be super-nice to you in exchange for their fees. :D Oh, which reminds me - do make any potential new accountant describe their fees in great detail before hiring them; some might work for an hourly rate while some might work at a fixed rate, and you'll want to compare the likely total costs of each before picking the right person for you.

Finding an accountant is actually quite a lot of fun, especially since - with the right one - you can feel like you are acquiring a team member, someone who can give you loads of handy advice and who will, most importantly, fill out all those nasty forms for you. I know many, many working women do their own taxes but I'm one of the ones who feels like a little tiny rabbit cowering in the face of HMRC-Scary-Goliath (even though they are actually really nice; you can even ring them directly with tax-related questions and they will be extremely civilised in their response) so I like having some backup.
Disclosure: The other person behind yourescortsite.com

ladychannel

  • Sr. Member
  • ****
  • Posts: 463
    • View Profile
Re: Tax and maternity pay, big problam! HUGE mess!
« Reply #12 on: July 05, 2012, 09:27:28 AM »
i was S/E once in the past and did my own paperwork however  it is very hard work but managed. This time i will look for an accountant not sure what the average cost is anyone give an idea roughly what i will be looking at sure others will also be curious.

Escort38

  • Sr. Member
  • ****
  • Posts: 303
    • View Profile
Re: Tax and maternity pay, big problam! HUGE mess!
« Reply #13 on: July 05, 2012, 09:45:27 AM »
i was S/E once in the past and did my own paperwork however  it is very hard work but managed. This time i will look for an accountant not sure what the average cost is anyone give an idea roughly what i will be looking at sure others will also be curious.

Some girls have been ripped off by accountants who charge enormous sums to do a couple of hours paperwork a year.
I do not employ an accountant but a financial advisor who completes and submits online my self assessment forms, after
a yearly get together to sort out my declaration to HMRC.  I pay him less than £200 and I think this is quite fair, he saves me
a lot of worry as I was not and am still not confident enough to do my own forms.

Areas may vary(cost wise)  but if you are self employed and do not have staff to consider then the cost to the accountant or whoever does
the paperwork should be reasonable.

Coty

  • Sr. Member
  • ****
  • Posts: 1334
    • View Profile
Re: Tax and maternity pay, big problam! HUGE mess!
« Reply #14 on: July 05, 2012, 10:22:59 AM »
i was S/E once in the past and did my own paperwork however  it is very hard work but managed. This time i will look for an accountant not sure what the average cost is anyone give an idea roughly what i will be looking at sure others will also be curious.

Some girls have been ripped off by accountants who charge enormous sums to do a couple of hours paperwork a year.
I do not employ an accountant but a financial advisor who completes and submits online my self assessment forms, after
a yearly get together to sort out my declaration to HMRC.  I pay him less than £200 and I think this is quite fair, he saves me
a lot of worry as I was not and am still not confident enough to do my own forms.

Areas may vary(cost wise)  but if you are self employed and do not have staff to consider then the cost to the accountant or whoever does
the paperwork should be reasonable.


I've always done it myself and end up paying loads of tax....so it's worth paying a financial ...I just never seem to have the spare £200 so do it myself...but in the end it's false economy.
"A woman who sells herself to buy bread for her aged mother or her child, stands upon a higher moral plane than the blushing maiden who marries a money bag, in order to gratify her frivolous appetite for parties and travel."