Deciding to become a foster carer is a generous step that can change a child’s life. Yet, it also introduces new financial responsibilities. In this guide you’ll find a clear overview of how fostering payments work, the costs you may face, and practical advice for budgeting and avoiding common money‑related pitfalls. The information is tailored to those looking to foster in Manchester, with references to nearby areas such as Salford, Bolton and Stockport.
What fostering is and who it helps
The role of a foster carer
Foster carers provide a safe, nurturing home for children and young people who cannot live with their birth families. They support children’s emotional, educational and social development while working closely with social workers, schools and health professionals.
Types of children and families served
Foster care accommodates a wide range of needs: children with complex medical conditions, those who have experienced trauma, or young people awaiting adoption. In Manchester, the local authority often prioritises placements that keep siblings together or maintain links with extended family.
Benefits and responsibilities of foster carers
Emotional and social benefits
Many carers report a profound sense of fulfilment, seeing a child thrive and gain confidence. The experience can also strengthen family bonds and enhance personal resilience.
Practical responsibilities
Carers must provide day‑to‑day care, including meals, accommodation, education support and health appointments. They are also responsible for maintaining a suitable home environment and managing the child’s welfare in partnership with the local authority.
Eligibility and assessment process
Basic eligibility criteria
Applicants must be over 18, have a suitable spare room, and meet health and safety standards. A criminal record check, child protection training and a background assessment are compulsory.
The assessment journey
After the initial application, a social worker will conduct a home visit to evaluate suitability. This is followed by a formal assessment that examines the applicant’s motivation, support network and capacity to meet a child’s needs. Successful candidates receive a fostering licence.
Support, training and supervision provided
Initial training
All new carers attend mandatory training covering child protection, health and safety, and basic first aid. The training is delivered by the local authority or a registered independent agency.
Ongoing support and supervision
Regular visits from a social worker provide guidance, feedback and a platform to raise concerns. Carers also have access to peer support groups, such as the Mockingbird Constellations network, which offers shared learning and emotional support.
Allowances and payment structure explanation
How payments are calculated
According to official UK fostering guidance, payments are based on the child’s age, special needs, and the length of the placement. The local authority or independent agency sets a daily rate, which is reviewed annually. Payments are made monthly and include a housing contribution, a child care contribution and a general allowance.
Additional costs covered
Carers can claim for specific expenses such as childcare for their own children, holiday costs, mileage for medical appointments, and certain educational materials. The allowance is designed to cover the majority of day‑to‑day costs, but it is important to keep receipts and submit claims promptly.
How to apply for fostering in Manchester
Step‑by‑step application
- Visit the Manchester City Council fostering page or a trusted independent agency.
- Complete the online application form, providing personal details and background information.
- Arrange a home visit with a social worker.
- Attend the assessment interview and training sessions.
- Receive your fostering licence and start the placement process.
For a detailed walk‑through, see the How To Become A Foster Carer In England Step By Step Guide.
Documents required
Typical documents include proof of identity, tenancy agreement or property ownership, recent bank statements, and a recent child protection training certificate. Having these ready can speed up the assessment.
Local fostering context and agencies including Salford, Bolton, Stockport
Local authority fostering
Manchester City Council offers a range of fostering options, from short‑term to long‑term placements. They provide free training and a streamlined application process. The council’s policy is to prioritise children who can remain within their community, which often means placements in nearby Salford or Bolton.
Independent agencies
Independent fostering agencies operate under contract with the local authority but may offer additional services such as specialist therapeutic support or extended respite options. When choosing between a local authority or an independent agency, consider the type of support you require and the flexibility of the payment structure.
For a balanced view on this decision, read Local Authority Vs Independent Fostering Agency Ifa Which Is Right For You.
Common challenges and realistic expectations
Financial pitfalls
Even though the allowance covers many costs, unexpected expenses can arise. For instance, a child may need specialist medical equipment or therapy sessions that exceed the standard allowance. It is prudent to set aside a contingency fund and to review claims regularly.
Balancing work and foster care
Many carers continue to work full‑time, which can strain finances and time. The allowance is designed to be a supplement, not a replacement for income. Carers should budget for overtime, childcare for their own children, and potential loss of benefits such as Universal Credit.
To understand how fostering affects benefits, see Fostering And Universal Credit Benefits What Changes.
Frequently Asked Questions
What is the typical payment for a foster carer in Manchester?
Payments are set by the local authority and are reviewed annually. They cover accommodation, child care and general expenses. Exact figures vary with the child’s age and needs.
Can I claim for holiday costs for my foster child?
Yes, many local authorities allow carers to claim for reasonable holiday expenses, including travel and accommodation, provided they are documented and approved in advance.
Do foster carers need to pay tax on the allowance?
Payments are considered taxable income. Carers should keep accurate records and may be eligible for tax relief on certain expenses, such as childcare for their own children. Consult a tax adviser for specific guidance.
What happens if I have a criminal record?
Criminal checks are part of the assessment. Certain convictions may disqualify an applicant, but each case is assessed individually. The social worker will discuss any concerns during the assessment stage.
Can I continue working while fostering?
Many carers do so successfully. However, it is essential to manage time and finances carefully, as the allowance is meant to supplement, not replace, earned income.