Hello ladies, I'm 14 weeks pregnant this week and although still a bit paranoid about 'planning' too far ahead, i have dared to take a deep breath and think about finances (we really must!). I am v confused about tax credits despite having tried the direct.gov calculator thingy. because the dates are all theoretical as is exact salaries I am getting in a tangle. Basically what I am trying to understand is after 9 months mat leave (I'd like to try to take a year finances permitting) I believe I will have no income at all as SMP will end? At that point do we become eligible for tax credits if our income is low enough? Or are you only eligible once you are back 'working'? I know we should get Child benefit but obviously that won't go far in those last 3 months... Thank you for reading!