We are struggling to buy food as a result of the governments policies. I am disabled and had my own little business which I could work around my pain management levels. (I have good pain times/days and bad ones) As well as working full time my husband also has a service pension with combined together before tax puts him just over £40k by about £200. . We paid our mortgage, our bills and were not in any debt. We were not extravagant and didn't drink or smoke, we didn't go out very often perhaps to the cinema occasionally or for a pub meal. I then had twins which we were over joyed about and it didn't matter that I couldn't do my business anymore as we were fine with our money. The twins were babies and we were able to feed and clothe them, pay our bills and groceries.
Then the conservatives came into power. They took away our child tax credit because hubbys pre tax money was just over the limit. A totally unfair system which fails to take account of the fact that there may only be one person in the house able to earn a wage so to still pay it to people who have a combined income of greater than the upper limit is grossly unfair. We are in the same boat in that we are skint. I am disabled and had my own little business which I could work around my pain management levels. As well as working full time my husband also has a service pension with combined together before tax puts him just over £40k by about £200. . We paid our mortgage, our bills and were not in any debt. We were not extravagant and didn't drink or smoke, we didn't go out very often perhaps to the cinema occasionally or for a pub meal. I then had twins which we were over joyed about and it didn't matter that I couldn't do my business anymore as we were fine with our money. The twins were babies and we were able to feed and clothe them, pay our bills and groceries.
Then the conservatives came into power. They took away our child tax credit because hubbys pre tax money was just over the limit. A totally unfair system which fails to take account of the fact that there may only be one person in the house able to earn a wage so to still pay it to people who have a combined income of greater than the upper limit is grossly unfair. So we lost approx. £75-£100 a month (depending on how much hubby got paid that month if overtime was available etc)
Then they lowered the 40% tax bracket and so we lost more out of our household income in paying more tax.
The 20% VAT has really knocked all of us and the supermarkets have taken advantage of that also by reducing the number of things in the packets but saying its still £1 when in actual fact you are paying not only more for the 4 items in the packet where previously you paid £1 for 6 but also you now have to buy 2 packets in order to get the 6 you actually need and so have doubled your spend to £2 instead of £1.
Obviously we have the same bills to pay now as we did prior to the current government coming in but now with less income due to their policies with which to do it.
I guess we are not alone in the above which coupled with the rise in fuel, heating and other utilities has resulting in out monthly outgoings being more than we have coming in. The amount available for food to feed all 4 of us is now £30 a week.
We looked into child minders but with twins it was obviously double the cost and would cost more to pay for than I would be able to earn. Coupled with the fact that my disability makes me unreliable in that on a bad pain day I would not be able to drive to work ( we live where there is very little public transport and I cant walk very far). My business would not bring in enough to pay for the minder and is such that I am unable to do it with the twins around because of all the equipment and small bits etc. Evening jobs are out as my husband works quite late to accrue hours for when I have bad pain days and need to lie up - he then looks after the twins. Disability benefit was turned down on ridiculous grounds. We have no family near to mind the twins.
My husband has a mental depressive illness that was diagnosed 6 weeks after the twins were born. In order to put the fuel in his car to travel to work (his employer moved his place of work to further away and only paid mileage allowance for the first 2 years after which you are expected to have been able to absorb the additional travel cost into your budget. Very difficult to do if there has been no pay rise for years, the cost of fuel has gone up, your take home pay has gone down because of the lowering of the higher paying tax bracket and also one of your benefits has been taken away.
Needless to say things have not been able to be paid and we have had to approach one of the debt agencies to help sort it out. Their comment was that we have nothing really we can cut in order to fund the debt which we wouldn't have been in had the government not taken away a lump of our income.
Basically we are very bitter that the situation we find ourselves in is as a direct result of the government policies which whilst claiming to "reward hard working families" actually fail to recognise that not every family can have 2 people working and I would like to see the chancellor actually have to live as we and all of you who are in the same boat as us are having to do. Its all very well them sitting there saying we all have to make cuts but when we are all falling into debt basically because of a previous government who quite frankly couldn't balance the books and another who is seemingly uncaring that the middle earners are falling into debt while the lower ones are managing very nicely thank you because even if they both only earn 20K each they still get their benefits as my friend is testament too in fact with their wages and benefit they are bringing in more money than we and most others have coming in. The people on benefits are still getting their benefits. The higher earners quite frankly are not affected as they already paid that amount in tax and probably don't need the tax credit.
So it seems that the only people who are actually loosing under this government are the middle earners who also perhaps live out in the sticks and so do not have the luxury of reducing their fuel costs by using public transport. Where the shop is in the next village and is too far to walk (especially if you are disabled). I realise this may result in a back lash of people saying do this and do that or cut this and cut that - but believe me we have cut all we can and reduced our shopping all we can (the nearest aldi is 17 miles away and with the cost of fuel its now costing more to get there and back than would be saved).
I, am heartily sick of being squeezed to the point of desperation as I am sure many of you are too. The only thing that can be reduced to pay the bills is the food budget, 5 a day how funny I cant afford to give my children 5 a day. Its about time this government recognised that the people it is claiming to help are the ones struggling and like us drowning as a direct result of loss of income through their policies. They need to recognise families where only one person can work but because of their limit on child tax credit do not qualify and yet their neighbour who is able to have both parents working (even if one is part time) have more income than the single earners limit and also still get their child tax credit. They need to recognise that they are plunging people into debt that ordinarily would not be there. They need to acknowledge that you don't have to live on benefits to struggle to meet just the basic living bills and that depending on where you live you have different challenges in terms of public transport, access to employment, access to cheaper child care etc.
I get very cross when I see reports about how the government has paid approx. £600 million in aid to Syria and whilst I am sad they need it I am a firm believer in charity beginning at home. Why are they paying for another countrys problems when their own people are suffering and struggling. That is our money they have used to pay all of these hand outs to other countries whilst at the same time squeezing us for every penny they can claiming that the country needs to pay a debt. Hang on I feel sure that our creditors would be pretty cross if instead of paying them we gave the money elsewhere. So how come they think its ok to ignore us and give our money away. We wouldn't get away with it with our own house hold budgets so why do we let them get away with it with our country (a massive house hold budget).
I realise this may result in a back lash of people saying do this and do that or cut this and cut that - but believe me we have cut all we can and reduced our shopping all we can (the nearest aldi is 17 miles away and with the cost of fuel its now costing more to get there and back than would be saved). Or people berating me for begrudging other countries in war torn places help but yes when my family are suffering I do. Leave it to charities because at least the people who donate have actually chosen for the money to go there. We haven't and quite frankly I think they should sort their made mess out first and give us a break before giving money away. If the country is in debt then it isn't spare cash at all I don't care which line item its sat in on the budget spreadsheet. - MOVE IT we cant afford foreign aid any more than my family can afford to give to charity now. Ok very long rant over but if I didn't do this somewhere I would explode. Over to you all.
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beardietwins · 21/01/2014 12:22
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