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To want a budget which puts young people and families first

385 replies

HFJ · 28/10/2024 19:59

In advance of an upcoming budget that will likely hammer working people (again, despite the rhetoric), I’m consoling myself by imagining my own budget. You’ll notice a theme. This is because I believe young people and families are the future, deserve to have hope, aspirations and goals. Please feel free to contribute.

  1. The first 5 years of young people’s full time earnings to be tax and NI free. This would enable all to save for a house deposit, rather than only the few who inherit. Imagine the incentive to work hard!
  2. No increases to any tax that primarily affects working age people, including fuel tax (because working people need fuel to go to work)
  3. No stamp duty for young people and those with children under 18. This enables them a fairer chance of buying property rather than have to compete unfairly with cash buyers
  4. Complete removal of the pension tax free cash allowance. This is because 100s of 1000s are poised to take their 25% lump sum and plough this into the property market (tbf I think the gov has got wind of this, hence the landlord tax changes)
  5. instead of massive increases to NHS budget (which does not really benefit the young or families), a £10 charge to see the doctor, so people start to take ownership for their health
  6. Removal of the free prescription for over 60s. Instead, use this money to bring back the school nurse and perhaps even school dentist visits

Any other ideas?

OP posts:
Mlanket · 29/10/2024 05:51

Already lost the WFA and the free TVAlicante
Now you want to come for the free prescriptions as well.

WFA is still there if you are eligible. Blanket free prescriptions for the over 60s will be gone in the next decade.

Mlanket · 29/10/2024 05:46

There definitely needs to be a focus on the young because as you say they are the future & it makes sense to invest in them. However it won’t happen probably because the demographic swing is under way. Portugal are looking at tax breaks & housing policies for the under 35s I suspect more countries will follow suit as they start to compete for younger workers. Best thing to do is emigrate!

ForGreyKoala · 29/10/2024 03:50

redorangeye110w · 28/10/2024 22:53

But people are put off already for "non urgent but could be something" as it's too hard to gat an appointment.

A nominal fee could help that. Something has to change.

I live in a country where we pay to go to the GP and people don't seem to be dying like flies here. Children get free visits and people on benefits or with high health needs can get lower fees, but the rest of us just pay up.

theemptinessmachine · 29/10/2024 03:39

I'm not quite sure where you think all the money is going to come from OP.

WitchesCauldron · 29/10/2024 02:18

MemphisBluesAgain · 29/10/2024 00:30

Pensioners' interests have been protected at the expense of the rest of us since 2010. In return, they gave us Brexit and successive Tory governments. So yes, I think they'll have to get used to being at the back of the queue for a while.

Absolutely. The boomer generation have had the best financial circumstances in history yet are the most angry and entitled.

Sunshineandrainbow · 29/10/2024 01:59

Meadowfinch · 29/10/2024 00:39

@MemphisBluesAgain why do you think it was pensioners who gave us Brexit. As far as I can see it was the likes of Tommy Robinson and his ilk. A lot of reform voters are under 40.

Many pensioners are living on £128 a week. I really can't see that they are living at the expense of everyone else.

Where is the £128.00 from?

JudgeJ · 29/10/2024 01:49

coxesorangepippin · 28/10/2024 22:32

Subsidized daycare, from birth

Free education, at all ages

Free travel for youth/students

Never gonna happen

Someone else to give birth for you, save you any pain of stress, maybe the state rears said child, another job palmed off. The list could be endless!

username1478 · 29/10/2024 01:44

JudgeJ · 29/10/2024 01:39

You can look at any group of people with comparable incomes who live differently, it's human nature, some will choose to live within their means and others will live from overdraft to overdraft.

Comparable incomes? Yes people spend money differently. Surely that's obvious.

JudgeJ · 29/10/2024 01:44

Gall10 · 28/10/2024 22:05

Inheritance to be taxed at 99%….after all its unearned income.

So you would take it to give as unearned income to many who do nothing but take?

JudgeJ · 29/10/2024 01:39

username1478 · 28/10/2024 21:42

Are you saying that the 'have nots', many single mothers, people with disabilities, people from deprived backgrounds for example, are responsible for not having much?

You can look at any group of people with comparable incomes who live differently, it's human nature, some will choose to live within their means and others will live from overdraft to overdraft.

Schnauzersaremyheros · 29/10/2024 01:38

XxSideshowAuntSallyx · 28/10/2024 21:22

Don't single people matter? Or is it just people with children and the young that should get help buying a house?

I know we single, childless people are the bottom of the pile and second class citizens but you know we struggle more than a couple with children do getting on the property ladder as we only have one wage.

Also as someone that through no fault of my own has had to see a doctors several times in the past two years it has nothing to do with not looking after my health, my body decided to say "fuck it, I'm going to put her in chronic pain" it wasn't caused by anything I did. Also people can't help being born with certain conditions so all those would have to pay under your scheme too?

Well said! 👏

Us childfree/childless singletons really do get the raw end of the deal.

JudgeJ · 29/10/2024 01:32

Houseplanter · 28/10/2024 21:55

Why are young people and families more important than any other part of society OP?

The OP will have changed her tune in 20 years time, suddenly the world will be revolving around the middle aged whose children have left home, bugger the young families etc.. One's sense of Me changes with maturity.

Wingedharpy · 29/10/2024 01:31

All those over the age of whatever the Chancellor decides, can apply for a Government funded "death box", should they wish.
A bit like the Scottish Goverment's "baby box" - but for the other end of the spectrum.
It would contain a mega dose of some medication or other to put those of us who so choose, to shuffle off this mortal coil rather than being carted off in an ambulance to God knows where, to be "looked after" when it's not what we want.
Saves the state, a fortune, and, in my case, would free up a house.
Should have a phone number in the box which you ring, before pill consumption, so the operator can advise the body collectors to drop by in a couple of hours.

Peanut2345 · 29/10/2024 01:24

I would want everyone catered too.

Getting elderly is rubbish enough, your friends passing on, even moving around gets harder. Some are alone, they're on about stopping winter fuel, your more likely to get ill, pension age increasing. So you work all your life, just to get ill not be able to afford medicine, to sit in the dark and cold alone ... bit mean.

I kinda think focus the budget on easing the cost of living, make wages actually cover bills and it would sort a of pressure on a lot of areas.

If people can afford life on their wages, benefits claims would decrease (as most people need top up benefit on top of full time wages), housing pressure would decrease as private rent/saving for mortgage would be possible so less pressure on council housing. A lot of NHS illness is caused by stress/mental health, making life a bit more manageable takes out the people getting ill from environmental stress factors, That would then release some budget money to filter onto other areas.

Anxiouswaffle · 29/10/2024 01:21

it shouldn't be linked to age but to wealth/income -
we need to bring in more income/means linked benefits without the furor and to reduce the stigma of claiming.
And get rid of the rhetoric- i'm sick to death of "hard working people "

PassingStranger · 29/10/2024 01:02

HFJ · 28/10/2024 19:59

In advance of an upcoming budget that will likely hammer working people (again, despite the rhetoric), I’m consoling myself by imagining my own budget. You’ll notice a theme. This is because I believe young people and families are the future, deserve to have hope, aspirations and goals. Please feel free to contribute.

  1. The first 5 years of young people’s full time earnings to be tax and NI free. This would enable all to save for a house deposit, rather than only the few who inherit. Imagine the incentive to work hard!
  2. No increases to any tax that primarily affects working age people, including fuel tax (because working people need fuel to go to work)
  3. No stamp duty for young people and those with children under 18. This enables them a fairer chance of buying property rather than have to compete unfairly with cash buyers
  4. Complete removal of the pension tax free cash allowance. This is because 100s of 1000s are poised to take their 25% lump sum and plough this into the property market (tbf I think the gov has got wind of this, hence the landlord tax changes)
  5. instead of massive increases to NHS budget (which does not really benefit the young or families), a £10 charge to see the doctor, so people start to take ownership for their health
  6. Removal of the free prescription for over 60s. Instead, use this money to bring back the school nurse and perhaps even school dentist visits

Any other ideas?

Yes that right take everything away from older people.

Already lost the WFA and the free TVAlicante.
Now you want to come for the free prescriptions as well.
Glad your not deciding.

Nsky62 · 29/10/2024 00:59

notbelieved · 28/10/2024 23:15

Older people have needs too or don't we matter? We vote, if that helps focus your thinking.

instead of massive increases to NHS budget (which does not really benefit the young or families), a £10 charge to see the doctor, so people start to take ownership for their health

Some people have illness and disabilities through no fault of their own. My youngest is a type 1 diabetic, for example, which is an autoimmune condition (sod all about taking ownership of his health). We have multiple consultant appointments annually and sometimes require a hospital admission for fairly basic illness which gets out of hand - last year he ended up in hospital with a throat infection brought on by glandular fever, for example. Is your suggestion that we should pay on these occasions? Because if we couldn't affordnit - and some families can't - then essential check ups will be missed which means opportunities for improving control and management will be missed which means long term, serious ill health may result. That reduces the likelihood of working and paying tax. Counterproductive.

Totally agree I can’t change Parkinson’s , no real research or answered

BibbityBobbityToo · 29/10/2024 00:58

No tax for people who don't have kids in education? No tax for healthy folk who never use the NHS? No tax for people who don't claim benefits and are self sufficient. No tax after 50 for people who have worked full time since they were 16 and have already paid more than their fare share?

No? How about a flat rate % tax on all income for everyone, no exception, no evasion. And, scrap NI to make pensioners pay their full share.

Nsky62 · 29/10/2024 00:55

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It’s always been unfair, children are our future, you can’t claim a refund for things that you’ve never needed.
Hopefully you don’t a life changing condition that I and so many have, yes I’ve paid for stuff to help myself, mines progressive, paid towards a state pension due in 5 years time, may not see it.

Viviennemary · 29/10/2024 00:53

Tax free allowance raised to say £18k

Pensioners to pay NI. No reason why they shouldn't if they have enough income.

No extra benefits for more than two children

Nsky62 · 29/10/2024 00:49

GOODCAT · 28/10/2024 20:26

Disagree entirely. It needs to be fair to everyone of all ages and wealth levels and whether people have children or elderly relatives or not.

Exactly, as someone caught in a pension gap, 62, circumstances and life, led me not to be able to plan for a good private pension., state one 67.
Didn’t plan in my 20s, no pension when married , didn’t work, divorced a year off getting my ex husband’s, a small work pension, luckily a house bought with a final settlement.
i worked till 59 health reasons, unbecknown to me Parkinson’s at 55, now 62, disabling more now, add in prism needed for left eye undiagnosed for years, despite 2 private opticians looking nhs referral, a fall osteopenia , stage before osteoporosis , need insoles too
I had hoped to work till 60, cut back hrs and retire at 62, trying not to think too far ahead.
The fact is we need more tax and national insurance in a system, for all, lots take out more than they’ve put in, unviable.
Mortgage rates are very low, comparatively, tho other costs higher, the young, elderly and unwell all need support.
Tho I think for lots, and a defined clamp down on lots of fathers who walk away, and t are no responsibility for their children, and for the obese to take responsibility and help, as should other addicts.

BettyBardMacDonald · 29/10/2024 00:48

Notcontent · 28/10/2024 23:26

I will play.

How about families pay more tax - it’s only fair, because they are using more services, right???

This is where I stand.

Meadowfinch · 29/10/2024 00:39

@MemphisBluesAgain why do you think it was pensioners who gave us Brexit. As far as I can see it was the likes of Tommy Robinson and his ilk. A lot of reform voters are under 40.

Many pensioners are living on £128 a week. I really can't see that they are living at the expense of everyone else.

MemphisBluesAgain · 29/10/2024 00:30

Pensioners' interests have been protected at the expense of the rest of us since 2010. In return, they gave us Brexit and successive Tory governments. So yes, I think they'll have to get used to being at the back of the queue for a while.

BashfulClam · 28/10/2024 23:50

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