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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:
Sethera · 29/10/2024 07:53

Shadysadiebaby · 29/10/2024 07:45

Sure. Go ahead and means test children. I think you'll find they don't have much income on the whole!

That's why I used the word 'parent' ....

IVFmumoftwo · 29/10/2024 07:50

Mlanket · 29/10/2024 07:44

Pregnancy weakens teeth though & treating dc should result in less problems as you age. Every adult was a child once so I don’t understand why they begrudge children getting free schooling or dental care?

Too true. One of my teeth broke three months after my son was born.

Mlanket · 29/10/2024 07:48

It’s so regressive!

Shadysadiebaby · 29/10/2024 07:46

Mlanket · 29/10/2024 07:44

Pregnancy weakens teeth though & treating dc should result in less problems as you age. Every adult was a child once so I don’t understand why they begrudge children getting free schooling or dental care?

Because they're selfish arseholes? Who would have had free schooling / prescriptions / child benefit/ the option of free university.

Shadysadiebaby · 29/10/2024 07:45

Sethera · 29/10/2024 07:41

Removal of the free prescription for over 60s. Instead, use this money to bring back the school nurse and perhaps even school dentist visits

Only if it's removed for children and pregnant women too. It should be means-tested, i.e, only available to people in receipt of certain benefits, whether parent or pensioner.

Sure. Go ahead and means test children. I think you'll find they don't have much income on the whole!

Mlanket · 29/10/2024 07:44

Pregnancy weakens teeth though & treating dc should result in less problems as you age. Every adult was a child once so I don’t understand why they begrudge children getting free schooling or dental care?

Sethera · 29/10/2024 07:41

Removal of the free prescription for over 60s. Instead, use this money to bring back the school nurse and perhaps even school dentist visits

Only if it's removed for children and pregnant women too. It should be means-tested, i.e, only available to people in receipt of certain benefits, whether parent or pensioner.

Mlanket · 29/10/2024 07:37

As an old person coming up to state pension age I would like a budget which puts old people first.

😆

One which recognises the length of time they have been working and paying taxes and National Insurance.

What does the above mean? Abolish pension credit?

RichTea90 · 29/10/2024 07:36

WitchyBits · 29/10/2024 06:43

A lot of children these days genuinely believe that they can change sex, want to order every meal from just eat/deliveroo and think designer labels are the bomb. These children would starve after having a giant sugar crash on payday and be naked apart from a north face coat, plouise lip oil and and pair of knickers fashioned from a collection of haribo bags and a wad of Maccies serviettes.

Sorry this really made me laugh 😆

ByQuaintAzureWasp · 29/10/2024 07:35

I taje it you are young and have a family. Hope your home budgetting is better than your 'pie in tge sky' national tax changes. Which don't add up economically.

Mlanket · 29/10/2024 07:35

Scrapping free prescriptions for retired people would put people in a position where they carnt afford the medication. My father needs 8 prescriptions a month to live, my mother 5. They already struggle, your suggestion OP is inhuman.

Would the annual certificate be unaffordable for them?

Laserwho · 29/10/2024 07:33

There shouldn't be a £10 charge for doctors. If there was any people would avoid going because they carnt afford it which would lead to cancer not being detected and other serious health conditions which could have been prevented if picked up early. Scrapping free prescriptions for retired people would put people in a position where they carnt afford the medication. My father needs 8 prescriptions a month to live, my mother 5. They already struggle, your suggestion OP is inhuman.

DilemmaDelilah · 29/10/2024 07:33

As an old person coming up to state pension age I would like a budget which puts old people first. One which recognises the length of time they have been working and paying taxes and National Insurance. One which recognises that older people often cannot do what younger people can do and need more help.

It is quite normal to want more money/benefits etc. for the age group that you are in, or which your children are in. I am old, my children are not young. Of course I want a budget that suits me.

Having said that - actually I want a budget which is fair for everybody.... If that is possible.

RichTea90 · 29/10/2024 07:33

Jollofoldmaninaredsuit · 29/10/2024 07:29

I think ideas to help all people buy their first home are good ones. They wonder why people stopped having children? Well most of my friends (mid to late thirties) are living in shared houses. Hard to have a family whilst living there! Private flats and deposits are completely out of reach.
I looked at a house to rent. We had a combined income of 4K a month, house was 1.5k, they wouldn't rent it to us. Said we wouldn't have enough disposable income left!

Yeah this is an important point too.

I think more social housing, with focus on key workers and help for people to buy their first home… where did help to buy go?!

Mlanket · 29/10/2024 07:32

@Jollofoldmaninaredsuit Im aware of that, I meant housing would need to be included in the assessment as opposed to just savings.

RichTea90 · 29/10/2024 07:31

There does need to be more support for young families but this isn’t the way about it imo. I’d focus on maternity/paternity support, lowering childcare costs and flexible working.

everyone in society is important and we should cater for different needs. We also need to support people having children as they will be the workers of the future

Jollofoldmaninaredsuit · 29/10/2024 07:30

@Mlanket they do. You pay a percentage of your care costs, and if you have over 16K in savings, you pay it all.

Jollofoldmaninaredsuit · 29/10/2024 07:29

I think ideas to help all people buy their first home are good ones. They wonder why people stopped having children? Well most of my friends (mid to late thirties) are living in shared houses. Hard to have a family whilst living there! Private flats and deposits are completely out of reach.
I looked at a house to rent. We had a combined income of 4K a month, house was 1.5k, they wouldn't rent it to us. Said we wouldn't have enough disposable income left!

Mlanket · 29/10/2024 07:28

It’s deeply unpopular but people will need to start paying for care in the home as opposed to just paying for care if you need to go to a care home.

Mlanket · 29/10/2024 07:27

It can't be though really whilst pensions are universal. There just isn't enough money to go round.

Pension age will keep moving out so they won’t be universal in reality though.

IVFmumoftwo · 29/10/2024 07:23

TigerRag · 29/10/2024 07:11

You'd get help via universal credit if your income is that low?

I do hence why I mentioned the cap. It isn't a great deal.

Gnomy · 29/10/2024 07:12

To me putting young people first isn’t around tax incentives to get on the housing ladder and is more fundamental:

  • education properly funded
  • children’s centres, social services, EdPsychs etc. all properly funded
  • College and uni lecturers properly funded so students have in-person, quality higher education
  • Proper apprenticeship schemes offering a range of career options
  • etc.

People may never be homeowners for a variety of reasons and that is not a benchmark of ‘having achieved’. We can give them the best start at least.

TigerRag · 29/10/2024 07:11

IVFmumoftwo · 29/10/2024 06:59

I would like an increase in child benefit. A significant one. It doesn't last long.

You'd get help via universal credit if your income is that low?

Shadysadiebaby · 29/10/2024 07:09

Mlanket · 29/10/2024 07:06

I would like an increase in child benefit. A significant one. It doesn't last long.

It should be universal, like it used to be.

It can't be though really whilst pensions are universal. There just isn't enough money to go round.

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