also my other thought is if you are if your on the 44k income and just come into the higher tax band you may as well be better off asking your employer for a pay cut to £43,999
I was thinking the same thing, for a 2 child family the benefits add up to £2,400 a year if you work it out to gross pay. So if you are on under £46,400 you would be better off taking a pay cut, stupid really.