IFF
Well-Known Member
welcome. upon suggestion of jane, if you need any tax advice, just ask it here and i will try my best to answer it
could this be stickied?
could this be stickied?
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Hey hey! Thanks, IFF!
Actually, i've got a question already.
I don't actually make enough to end up owing any tax (because I'm a dumb shit willing to put in 16 hour days for a pittance), but Mr Jane makes okay money.
What happens when we file as a married couple? Are we better off filing jointly or individually? Are we allowed to file individually?
See, the thing is, I make so little money that on my own, I don't even make the lowest tax band. So if tax credits are shared out between us, would I end up paying tax anyway because I'm no longer entitled to as many? I still don't really get it.
.
I am in the middle of something on same.
if you're taxed as you, and you don't make the threshold, then you don't pay tax, just as if you were single. It's a bit fairer than it was, it seems to me in anyways.
edit: also will answer other q's tomorrow, which is handy, as I am in the middle of something on same.
I think I know this one !!!
You can opt for separate assessment rather than joint assessment when you get married.
As far as I know it used to be that joint assessment was the only option and it involved the higher earner, usually the man, getting proportionally more of the tax credits and stuff, with the lower earner getting a nasty nasty tax bill.
With separate assessment the total amount of tax you end up paying as a couple is the same but it's shared out equally between you.
That's what we'll be doing anyway.....
http://www.revenue.ie/index.htm?/services/ind_per2.htm
no.a wedding?
I think I know this one !!!
You can opt for separate assessment rather than joint assessment when you get married.
As far as I know it used to be that joint assessment was the only option and it involved the higher earner, usually the man, getting proportionally more of the tax credits and stuff, with the lower earner getting a nasty nasty tax bill.
With separate assessment the total amount of tax you end up paying as a couple is the same but it's shared out equally between you.
That's what we'll be doing anyway.....
http://www.revenue.ie/index.htm?/services/ind_per2.htm
See, the thing is, I make so little money that on my own, I don't even make the lowest tax band. So if tax credits are shared out between us, would I end up paying tax anyway because I'm no longer entitled to as many? I still don't really get it.
Do all the bad debts owed to me get written off on tax? Like, do we still have to pay tax on money I have only earned on paper, or can we write that off against Mr Jane's salary since that's all we have to live on?
PS: Mr Jane also says that I have to obey him now -- is this true?
dear IFF,
if you've doubts that the tax they deducted was correctly reported by a former employer, but you're not sure enough to fly into concrete accusations, is it worth sending payslips and a note to revenue without certainty? what does the recipient really want in a letter like that? which lucky department should be receiving it?
(backstory: temp agencies are, almost without fail, evil motherfuckers. i get huge refund from 3 months in one place, but i don't get anything beyond small change from 6 months in the same place the previous year. i realise i had a year full of tax credits for 3 months in one case, etc, but i really didn't get near my tax-free allowance for the year in either case.)
bonus question: how do you know which your local tax office is? is it where you live, where you first registered, where you work....? i figured this out before but have completely forgotten.
Go to the revenue office and ask for a balancing statement for the years in question. If your deductions have been calculated incorrectly you can get a refund - I think there is a 4 year timeframe for this. You wont need payslips but a P60 or P45 would be helpful.
They are pretty helpful in the revenue and they are not out to screw you.
Whether your employer at the time was returning the tax correctly is a slightly different matter. Most impotant thing from your perspective is did they give me the correct net pay based on my allowances.
Anything beyond that is between them and the revenue.
cheers. it's the last bit that's the problem - things came out funny when i got balancing statements for the last 4 years, where the expected big refund was almost non-existent. i agree about revenue being helpful, and they were super-lovely when i was trying to unravel the mess i made of something separate.
i think they under-reported the tax i paid, and this makes me wonder if they declared what i was earning accurately, because surely one would highlight problems with the other. i don't really know enough about tax to sit down with all the documentation and figure out the problem.
Does you gross pay agree to what's on the balancing statements would be the first question to ask.
Second question would be were my allowances right.
Third and final question would be based on those what tax should I pay and what tax did I actually pay.
I wouldn't obsess too much about what your old employer did or didn't do - just stick to ensuring you agree with the gross income shown on the balancing statement.
That what I'd do anyway.
Pehaps IFF has a different perspective.
yeah, i understand that - i only give a damn about what they did as far as it concerns me, and what i was really asking was how to dispute it if i find that one of those questions is an issue. i might be phrasing badly but i'm not remotely obsessing.
If it turns out your Gross is as you expect and that you paid too much tax on that because the employer fucked something up then theres no problem revenue will issue you a refund.
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