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Is your household contributing net tax ?

414 replies

Pingufireengine · 05/05/2024 06:18

Following on from the awful disabled people are a drain on society threads...

For those that have children, have you considered this?

Roughly 55-60% of all households aren't net contributors to tax.

That's not to say the households that don't make a net contribution are in receipt of benefits.

Having children entails the following:

(This is per child)

Maternity care on NHS/midwifes,
Birth/delivery £3000-10000,
Post Delivery Care,
Health Visitors,
Statutory Maternity Leave,
Free prescriptions during pregnancy and after birth for 1 year,
Child gets free eye tests, glasses, prescriptions, dentist until 16/18
Child benefit until 16-20
Free nursery hours £2000-7000 per
Free School Milk £30-40
Free school meals: £400-500
School is £7,690 per
Sixth form/college/higher education £4,843

Student loans for university £30,000-50,000+

Yes the loans are paid back, but the initial offset is footed by taxpayers. And around 27% of full-time undergraduates starting in 2022/23 will repay them in full. They forecast that after the 2022 reforms this would increase to 61% among new students from 2023/24.

So instead of looking to blame those who are disabled for being a drain, look elsewhere, and better yet, instead of the disabled, pensioners, the working poor...we should look towards those are govern us, avoid tax.

The UK pension is the lowest in Europe, our wages are low and have stagnanted, working rights and conditions have eroded.

The UK looks asset rich, but it's only a small number who are generating huge wealth for themselves. There are parts of the UK poorer than the poorest parts of Poland. In fact, Poland is predicted to be wealthier per person than the UK in just a few years.

Maternity care is awful, the NHS is broken and on its knees, social care is non existent.

We've had austerity for 14 years, then Brexit, then COVID. Our country is in desperate need of investment into our creeking infrastructure.

OP posts:
Neveralonewithaclone · 05/05/2024 08:16

Meadowfinch · 05/05/2024 08:10

@Neveralonewithaclone Do you have an issue with admin workers? 😁

Without administrators, nothing would ever get finished.

Food wouldn't be bought from the wholesalers or arrive when needed in the shops
Patients would never receive notification of appointments
999 calls would never be answered.
Children would never be admitted to schools or be vaccinated against disease.
No-one would ever travel, preventing trade.
The internet wouldn't work, leaving us all much the poorer.
There would be no money in cashpoints and the payments system would collapse in seconds.

Maybe rethink your disdain for the humble administrator !

Edited

I am an admin worker. My point is that we're putting in the same amount of 'effort' as bankers.

Simonjt · 05/05/2024 08:15

Maternity care on NHS/midwifes, N/A
Birth/delivery £3000-10000, N/A
Post Delivery Care, N/A
Health Visitors, N/A
Statutory Maternity Leave, N/A
Free prescriptions during pregnancy and after birth for 1 year, N/A
Child gets free eye tests, glasses, prescriptions, dentist until 16/18 couldn’t get an NHS dentist
Child benefit until 16-20 N/A
Free nursery hours £2000-7000 per N/A
Free School Milk £30-40 N/A
Free school meals: £400-500 N/A
School is £7,690 per
Sixth form/college/higher education £4,843

The N/A count for both us and our two children.

Bumblebeeinatree · 05/05/2024 08:13

Neveralonewithaclone · 05/05/2024 07:26

Yes, I would take state pensions away from rich people who are retired.

Define rich, £x amount in the bank? £x amount in private pension? House worth £x amount? Or doing it the other way how would you decide who is worthy of a state pension?

vivainsomnia · 05/05/2024 08:11

The problem with your vision is that it considers 'the poor' and 'the rich' as static state of being.

Many wealthier started low and could very well never have become wealthier. Most got there through working FT all their working lives and going for promotions.

Its all well to suggest taxing them more and more but if you take incentives, and less face it, financial comfort is a bit one, you reduce the number of people wishing to take on those bog jobs.

We are already seeing this with doctors. Massive crisis with so many leaving the profession because of financial cut. Of course many thinks so what, others will come in, but that's not how it works. What happens is that those who are left gave to take on the gap left by those going. More work, more pressure, more concluding that it's not worth it and leaving....and you get the vicious circle the NHS is now facing.

Economy is so much more complex than the average mner can even start to comprehend. We need more specialised economists in politics.

qwertyqwertyqwertyqwerty · 05/05/2024 08:11

GnomeDePlume · 05/05/2024 08:05

@qwertyqwertyqwertyqwerty that's an interesting point about the removal of universal CB. I wonder how much that has genuinely saved once you take account of the extra cost to administrate the new system.

I do want a good welfare society. I want good social care, MH services, support for young families, the elderly, etc, and I am happy to pay my taxes to have this. My household pays roughly £35k per year in taxes (incl Council tax) on a household income of £125k.

It was a system change designed to reduce MC support for the welfare state.

The welfare state has been under strategic attack since 2010, IMO.

We have been consistently told that WE get nothing but THEY get lots.

Notmyuser · 05/05/2024 08:10

Meadowfinch · 05/05/2024 07:44

I am a net contributor as far as I can tell.

Long-term single mum from a free school meals family
Salary - £60k ish
Child in independent school (with scholarship)
Paid higher rate tax for 30 years
One birth, one other op, treatment for BC.
Never been on benefits
Only been to A&E twice I can remember
I have a degree from a poly.
Started work at 13
Have always worked full time,
Have 43 years NI paid.

I don't begrudge a penny to the disabled, to the NHS, to primary/secondary education. I'm probably the 'squeezed middle' but I don't mind. I don't want children going hungry or pensioners dying of cold. Contribution is an essential part of a decent society.

I do mind those claiming 'anxiety' is an illness. Do they imagine being made redundant 7 times (in 38 years) with no safety net wasn't anxiety-inducing? Being made redundant again at 58 (covid) and fighting for months to get back into a decent job wasn't a struggle? Being diagnosed with BC as a lone mum didn't make me ill with worry? Keeping working while undergoing chemo didn't cause me issues?

I don't respect people who give up so easily. Who feel they are entitled to live off others. Of the people who waste hundreds every month and then say they can't afford a deposit. Who get drunk, fall down stairs and then complain about the wait in A&E. Who take drugs and then wonder why they have mental health issues.

Personal responsibility is also essential for a decent society and a lot of people seem to forget that.

Anxiety is an illness. My partner had anxiety, it was truly awful. He had a panic attack every time he tried to go to work. He had to leave his job, and we never got a single penny in benefits for the 2 years he couldn’t work because I earned £100/month over the threshold. We would have been better off if I worked less.

Meadowfinch · 05/05/2024 08:10

@Neveralonewithaclone Do you have an issue with admin workers? 😁

Without administrators, nothing would ever get finished.

Food wouldn't be bought from the wholesalers or arrive when needed in the shops
Patients would never receive notification of appointments
999 calls would never be answered.
Children would never be admitted to schools or be vaccinated against disease.
No-one would ever travel, preventing trade.
The internet wouldn't work, leaving us all much the poorer.
There would be no money in cashpoints and the payments system would collapse in seconds.

Maybe rethink your disdain for the humble administrator !

Neveralonewithaclone · 05/05/2024 08:09

KeinLiebeslied54321 · 05/05/2024 08:07

What is the point of this post exactly?

To let entitled nasty rich people know that we see them.

WithACatLikeTread · 05/05/2024 08:08

JosiePosey · 05/05/2024 07:57

We're Net contributors, paid shit loads in, recieved absolutely nothing, so we're leaving the UK for a country that gives you very little, if anything, but takes less in tax and NI.

You have never used the NHS, received a state education?

qwertyqwertyqwertyqwerty · 05/05/2024 08:07

LiquoriceAllsort2 · 05/05/2024 08:03

Yes in my friend circle this is becoming more popular also people in their early 50s saying they have had enough.

They all say the same it's about fairness, I had a next door neighbour once that was on long term sickness benefit ( one of the ones that always said find him a job that paid 30k a year and he will start work ). He complained one day when I came home from work asking if I could make less noise defrosting my car in a morning. Bloody cheek.

It is not really about 'fairness' IMO. It is about the fact that they are angry and dissatisfied with their own lives.

The comment your neighbour made about find me a £30k job was probably just stupid bravado. The vast majority of people want to work, as the government never tires of telling us, work is a source of self-esteem.

KeinLiebeslied54321 · 05/05/2024 08:07

What is the point of this post exactly?

WithACatLikeTread · 05/05/2024 08:06

MidnightPatrol · 05/05/2024 07:51

There have been a few of these threads this week.

I think the criticisms of the benefits system paying out an equivalent of a £30,40,50k salary are misunderstood. It’s not about people seeing others as scrounging or undeserving.

Its about two things IMO:

  • the ability of individuals to earn this kind of money themselves
  • the cost of paying benefits at this level to the state

This is not the individuals fault - they are merely claiming what is available to them. But it’s a huge question re: what the state is doing, that they have created a structure in which working doesn’t leave you much better off than working part-time plus claiming benefits.

Most people on here seem to be struggling to some extent. Their housing costs are going up. Their childcare costs are crippling them. Having a second child off the cards. Food is increasingly expensive. Holidays unaffordable etc.

But they are also working 40+ hours a week (80+ hours for a couple) and sacrificing a lot of time / energy to try and do so. To know an alternative is doing 16 hours plus a raft of state support does raise the question, ‘what is the point?’.

So much of this, IMO comes down to the ridiculous cost of housing yourself. The state can’t avoid paying this - but has sold huge amounts of social housing an isn’t building more. It has to house people - but it’s ultimately crazy they might need to pay eg £1,400 (I think the figure on that thread) when for a working couple to pay that, it would basically be an entire salary.

I don’t think it’s about moralising - it’s about having a functional economy in which we support the poor but also actually have some additional lifestyle benefits as a result of working.

The 16 hour obligation no longer exists.

Notmyuser · 05/05/2024 08:06

Neveralonewithaclone · 05/05/2024 07:06

People with over a certain amount of income or assets should not receive state pension. They all say they've worked so hard but really they simply profited from the property boom. Those who genuinely worked very hard (coal miners) will be poor and die young from broken health.

In reality, we only have a short period of time when anyone who worked in a coal mine in the UK will be alive. Possibly a bad example I’d you are projecting for the future.

Scintella · 05/05/2024 08:06

Pensioners pay tax on their income including their pension - not sure people realise that.

GnomeDePlume · 05/05/2024 08:05

@qwertyqwertyqwertyqwerty that's an interesting point about the removal of universal CB. I wonder how much that has genuinely saved once you take account of the extra cost to administrate the new system.

I do want a good welfare society. I want good social care, MH services, support for young families, the elderly, etc, and I am happy to pay my taxes to have this. My household pays roughly £35k per year in taxes (incl Council tax) on a household income of £125k.

qwertyqwertyqwertyqwerty · 05/05/2024 08:04

Neveralonewithaclone · 05/05/2024 08:03

I've met a lot of rich humans who preen about 'having worked so hard and got nothing back' they are admin workers, like most people. And they never fail to poor bash.

Well you can either find a way to work with these people to build a system that works for the country as a whole or you can continue to look down on them in the same way they look down on others.

Neveralonewithaclone · 05/05/2024 08:03

qwertyqwertyqwertyqwerty · 05/05/2024 07:53

I wonder if you have ever met any humans!?

If you had been told for 50 years that you would pay NI to earn an entitlement to a pension, how would you respond to having that cut?

I've met a lot of rich humans who preen about 'having worked so hard and got nothing back' they are admin workers, like most people. And they never fail to poor bash.

LiquoriceAllsort2 · 05/05/2024 08:03

JosiePosey · 05/05/2024 07:57

We're Net contributors, paid shit loads in, recieved absolutely nothing, so we're leaving the UK for a country that gives you very little, if anything, but takes less in tax and NI.

Yes in my friend circle this is becoming more popular also people in their early 50s saying they have had enough.

They all say the same it's about fairness, I had a next door neighbour once that was on long term sickness benefit ( one of the ones that always said find him a job that paid 30k a year and he will start work ). He complained one day when I came home from work asking if I could make less noise defrosting my car in a morning. Bloody cheek.

qwertyqwertyqwertyqwerty · 05/05/2024 08:02

JosiePosey · 05/05/2024 07:57

We're Net contributors, paid shit loads in, recieved absolutely nothing, so we're leaving the UK for a country that gives you very little, if anything, but takes less in tax and NI.

Do you not have any emotional connection to anyone or anything in the UK?

Has no person you care about ever received treatment without which they would be dead? Or received an education? Or had help of any type? Your parents have not had a GP appointment?

I find this very unusual.

You will have more money in your new home country, but it sounds so soulless to only care about that.

Neveralonewithaclone · 05/05/2024 08:00

Why does a hedge fund manager own more than one house and a teacher none?

qwertyqwertyqwertyqwerty · 05/05/2024 08:00

Neveralonewithaclone · 05/05/2024 07:57

OK, I take your point. I'm not good at economics. It's the attitude of entitlement and superiority that makes people with so much be so so nasty to those in need.

Read up on the history of the welfare state in the UK, from the first introduction of pensions. Humans have not changed much since then. There is good reason for universal benefits.

People are nasty to people in need for complex psychological reasons. You have to be realistic about humans if you want a welfare system that genuinely supports.

JosiePosey · 05/05/2024 07:57

We're Net contributors, paid shit loads in, recieved absolutely nothing, so we're leaving the UK for a country that gives you very little, if anything, but takes less in tax and NI.

Neveralonewithaclone · 05/05/2024 07:57

qwertyqwertyqwertyqwerty · 05/05/2024 07:50

Because the system they contributed to throughout their working life was based upon that.

They paid for the pensions of those older than them, someone else pays theirs.

If you want to tax wealth, make a sensible proposal.

Universal benefits are part of the welfare ecosystem. You will have seen that support for benefits in general has declined since CB became income-dependent. That was done deliberately - once you means test things they lose support - as the current government wanted to undermine the welfare state in general. Also cost more to administer.

Do you want good welfare or not? If so, don't progress further down the dismantling route.

OK, I take your point. I'm not good at economics. It's the attitude of entitlement and superiority that makes people with so much be so so nasty to those in need.

MidnightPatrol · 05/05/2024 07:55

Neveralonewithaclone · 05/05/2024 07:50

Why does a banker earn more than a GP?

Two thoughts:

  • Doctors do earn more in other countries. Doctors in the UK are poorly paid because the state sets their wages. Over my lifetime many state-dominated professions have seen the same wage-depreciation
  • Bankers are paid based on how much money they can generate for their companies. The companies want the best people to be working for them to generate that money, so they use the money as an incentive.
qwertyqwertyqwertyqwerty · 05/05/2024 07:53

Neveralonewithaclone · 05/05/2024 07:47

What kind of person takes something when they already have SO MUCH? How can they sit there and receive their £10 Christmas bonus from the DWP. What scroungers!

I wonder if you have ever met any humans!?

If you had been told for 50 years that you would pay NI to earn an entitlement to a pension, how would you respond to having that cut?