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Share your dilemmas and get honest opinions from other Mumsnetters.

To wonder how the UK will look in 3 years time?

905 replies

Labradorlover987 · 11/08/2025 13:19

I was inspired to write this after reading the UC post that was just reported - the govt’s welfare bill has passed but was watered down so unlikely to make any real savings.

I earn 40k, have a school age child and just feel like I am living hand to mouth 😩 I 100% think there should be a welfare systems that supports people on low incomes but I wonder how the current system will be sustained in the long run?

Just wondered what other people thought.

I actually wouldn’t mind paying more in taxes if we could be guaranteed more in services etc - for example my council tax just went up and the services seem even worse this year than usual.

OP posts:
Thread gallery
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Alexandra2001 · 13/08/2025 09:31

MyNameIsX · 13/08/2025 09:08

Which poster referred to people being useless, or worthy only for the scrap heap? Please advise.

There are consequences to what you propose. Take entrepreneurs - if they are taxed too heavily, or the investment climate is perceived as anti-business, they will simply scale back, or not invest, or invest in another jurisdiction. I cite Reeves’s NI hike on SME’s, and the non-dom reforms, and the imposition of PS VAT. There is an impact, as we are seeing.

Please show where i said any pp said this?

But if inequality isn't reduced, thats the outcome.

We still have some quite generous tax breaks for entrepreneurs.

Why are there "consequences" to reducing inequality? i'd suggest that having wealth distributed across the economy, a little more fairly, means more people can buy goods and services, they will also pay more taxes..... & be less reliant on in work benefits

UK has a higher relative inequality index compared to most EU countries, are we booming? have we been?

But what you don't say is how you would raise the money for what we all want... because if the money is mainly in the hands of the few, the only way is to tax them more.... which you don't want.....

DrizzleMemory · 13/08/2025 09:26

cumbriaisbest · 13/08/2025 08:43

How on earth does she think Reform will help ?

No idea. Maybe it is a protest vote. Maybe she’s very angry and feel that the government is discouraging small businesses. Anyway, the election is some time away so I will see what she does then. Changing from Green to Reform is quite the jump for her.

MyNameIsX · 13/08/2025 09:08

Alexandra2001 · 13/08/2025 08:49

Amazing how "Reducing inequality" becomes "Equalising everyone at a low level"
Reducing doesn't mean Equalling.

Of course we are all different, different skills, different abilities but no one, or very few, are worthless and should thrown on the scrap heap, if hey are they are, all that will happen is they will have kids that in all probability will be the same as their parents.

But what does limit life chances is opportunity, some people have very little, they don't have good parents, no money, they are always "put down" don't play sport, have no access to music or even a decent inspiring education.

How about we try to give everyone the same opportunities, as much as we can.

Which poster referred to people being useless, or worthy only for the scrap heap? Please advise.

There are consequences to what you propose. Take entrepreneurs - if they are taxed too heavily, or the investment climate is perceived as anti-business, they will simply scale back, or not invest, or invest in another jurisdiction. I cite Reeves’s NI hike on SME’s, and the non-dom reforms, and the imposition of PS VAT. There is an impact, as we are seeing.

cumbriaisbest · 13/08/2025 09:07

unfortunately, though, all of this will be academic within the next 30 years. If some people on this Island feel overwhelmed now, this will be as nothing when climate change really bites and hundreds of millions of desperate people from the southern hemisphere need to migrate north

I think there will be more and more white enclaves in wealthy rural areas.

Araminta1003 · 13/08/2025 09:05

“But what does limit life chances is opportunity, some people have very little, they don't have good parents, no money, they are always "put down" don't play sport, have no access to music or even a decent inspiring education.
How about we try to give everyone the same opportunities, as much as we can.”

As a society, we are also to blame for this. We should never be paying anyone long term unemployment benefits. It is bad for mental health. People who do not have a job should earn their benefits by getting up at 7 am like the rest of us, cleaning up the streets, learning to do basic policing and handiwork in their own locality. Nobody who is fit and young should be doing nothing.
If you look at Scandinavia and Switzerland that is what they do.
We now have loads of young long term unemployed on benefits which they then share with their parents all living together not contributing. It is not OK. Even if you have a disability the councils should be insisting on creating work for all of these people that is useful before dishing out benefits. It will help their CVs and motivation and mental health to have something to do.

Alexandra2001 · 13/08/2025 08:49

Amazing how "Reducing inequality" becomes "Equalising everyone at a low level"
Reducing doesn't mean Equalling.

Of course we are all different, different skills, different abilities but no one, or very few, are worthless and should thrown on the scrap heap, if hey are they are, all that will happen is they will have kids that in all probability will be the same as their parents.

But what does limit life chances is opportunity, some people have very little, they don't have good parents, no money, they are always "put down" don't play sport, have no access to music or even a decent inspiring education.

How about we try to give everyone the same opportunities, as much as we can.

cumbriaisbest · 13/08/2025 08:43

DrizzleMemory · 12/08/2025 17:27

My friend owns a café in central London. She said that Labour has ruined her business. They can’t afford the staff now so life is harder for existing staff and she may have to close. She’s a lifelong Green voter and says she will be voting for reform next. That was a surprise to me, but I’m sure she has her reasons as a business owner.

How on earth does she think Reform will help ?

SouthernNights59 · 13/08/2025 08:43

bluewanda · 13/08/2025 05:08

The poster gives their reason in literally the same sentence you quoted.

Her reason is a load of nonsense, hence my asking where they have got this ridiculous idea from (and no, I don't think climate change is nonsense, just that poster's statement).

MyNameIsX · 13/08/2025 08:40

Twofoursixeight · 12/08/2025 21:53

As discussed up thread, many economists and institutions now believe that reducing inequality - via, for example, progressive taxation, is more likely to promote growth than reduce it.

https://www.oecd.org/en/publications/policy-approaches-to-reduce-inequalities-while-boosting-productivity-growth_af121c8f-en.html?utm_source=chatgpt.com

https://www.imf.org/external/pubs/ft/ar/2018/eng/spotlight/making-growth-inclusive/?utm_source=chatgpt.com

If by ‘reducing inequality’, you mean equalising everyone at a low level, then knock yourself out.

Personally, I am not keen on it. The world is not egalitarian, some people are simply ‘better’ than others. Better at learning, better at creating wealth, better at making and taking opportunities, better at not making one poor life choice after another.

Try to social engineer all you like.

BIossomtoes · 13/08/2025 08:35

Do you have a link for that @Alexandra2001?

Alexandra2001 · 13/08/2025 08:30

EasternStandard · 13/08/2025 07:00

It’s also nonsense because all these ‘tax us more’ posters are overlooking the damage it does to the economy, jobs and growth.

Look at where Labour are a year after a tax and borrowing hike. It’s not working, it’s depleting receipts.

Tax receipts are 3.5% higher in 24/25 than 23/24.....

HMRC collected £857.8 billion in taxes in 2024 to 2025, an increase of 3.5% from the year before

Lets have a bit more "Depletion...."

Alexandra2001 · 13/08/2025 08:26

nearlylovemyusername · 12/08/2025 21:35

The NI tax hike per FT on NMW is £770 pa.

Please share this calculation.

From the IFS.....

Today an extensive report on Cancer survivals rates show show good improvements from 50 years ago but these have stagnated in the last 10 to 12 years, going against the trend in comparable European countries.... the reports author says this is down to NHS real terms under funding.

Labour have now a Cancer strategy but that needs money, what the low tax people cannot say is how they will pay for all of this...plus everything else we want..... i suspect that they simply don't care, they can afford the private tests and treatments

BIossomtoes · 13/08/2025 07:33

Badbadbunny · 13/08/2025 07:23

And child care!

Child care is a red herring. It’s a cost for a relatively short period of time. The vast majority of the working population at any given time aren’t paying it.

Badbadbunny · 13/08/2025 07:23

floormats · 13/08/2025 01:36

Can you please look at tax rates in Europe? Other countries have far higher taxes on lower earners.

But the issue is housing! We can't tax middle & lower earners more like in other countries because they spend more on housing.

And child care!

YelloDaisy · 13/08/2025 07:05

True^^

EasternStandard · 13/08/2025 07:00

ChildFreeAndOhSoHappy · 12/08/2025 22:41

So people who don't want to be taxed into oblivion love their country less? What an idiotic argument. And UK taxes hardly benefit the poor, why don't you read the statistics about who actually benefits the most from those taxes you love paying so much. Why is it that people who proclaim to be oh so bright are actually the opposite?

Edited

It’s also nonsense because all these ‘tax us more’ posters are overlooking the damage it does to the economy, jobs and growth.

Look at where Labour are a year after a tax and borrowing hike. It’s not working, it’s depleting receipts.

Bulldog02 · 13/08/2025 06:39

I think the UK will be worse in 3 years from now.The government do not care how it treats the tax payer.Schools are under achieving Children leaving school without the skills they will need for life.Barely any training schemes.Services are being cut.Councils bankrupt.High streets are like ghost towns.Ripped off by most supermarkets.Milk has gone up from 1.45 to 1.65 in one week! Jobs are becoming more scarce.The weekly shops are increasing in price, especially the basics.Trying to get a Dr appointment is a challenge.Our Daughter is having a operation in 2 wks time.Her blood pressure is high.Hospital recommended attending the doctors for blood pressure tests.No appointments available this week for a basic blood pressure check.Daughter & partner moved in with us, as the rent on there flat was going up to 1400.00 a month.Students paying 9,000+ for degree + rent costs.With no guarantee of employment.Energy bills are ridiculously expensive.It may not effect some people living in a good location in well paid employment.I went to London this week, the amount of flats being built were everywhere.These flats are 300,000 + to 500,000 +.So not for the low to moderate income.Looking around where I live, it's grim, no street cleaning, litter, anti social behaviour, shops closing due to shoplifting.No police presence.Not much, if any investing in our young people.Old people on mobility scooters then put in to Nursing homes.This country has become depressing to live in!

DrizzleMemory · 13/08/2025 05:46

Bambamhoohoo · 12/08/2025 18:04

Did she explain what labour have done to her cafe? The NI increase has been very difficult for many but depending on how many staff she has it’s hard to imagine how it has finished a successful cafe off? On minimum wage it is unlikely to cost say an extra £1k a year. It must’ve had other problems?

Sorry I can’t remember it all. She mentioned NI as an issue. She also was worried about the change to zero hour contracts but I don’t know if that’s happened; she and the staff didn’t want the changes. I don’t think the cafe has had other issues. She opened in her fifties and loved it. So this would be a huge blow.

bluewanda · 13/08/2025 05:08

SouthernNights59 · 13/08/2025 02:26

What makes you think "hundreds of millions of desperate people from the southern hemisphere need to migrate north" any time soon (if at all)?

The poster gives their reason in literally the same sentence you quoted.

bluewanda · 13/08/2025 05:04

Our MPs are low quality individuals, fairly thick and not very capable. Most have never had real jobs and don’t understand anything about how money works.

I think this is the crux of the matter.

YellowZebraStripes · 13/08/2025 04:02

floormats · 13/08/2025 01:36

Can you please look at tax rates in Europe? Other countries have far higher taxes on lower earners.

But the issue is housing! We can't tax middle & lower earners more like in other countries because they spend more on housing.

Exactly - it's not so much of a thing in Scandinavian countries, where they have high taxes, to buy a home, renting for life is more secure.

YellowZebraStripes · 13/08/2025 03:59

Dorisbonson · 13/08/2025 00:10

If you want to tax me risking my life savings and my house in the same way as taking a job then be prepared to see investment plummet, start ups plummet.

Who is going to be mad enough to risk everything and then pay 50% tax on it?

There isn't a country in the world that taxes capital gains like that.

Great plan

  • Create 1,000,000 (1m) business.
  • Sell it, pay 45-50% tax on sale.
  • Have 550,000 left.
  • Die, pay 40% on that amount over your house proceeds because you live in the South East.
  • Have 330k left.
Tax paid = 670k Tax rate - 67%

Excellent system. Currently it works as

  • Create 1m business
  • Sell it, pay 24%
  • Have 760k left
  • Die pay 40% on that amount over house proceeds etc
  • Have 420k left
Tax paid = 580k. Tax rate = 42%

Or, I can live in multiple European countries with no capital gains tax and no inheritance tax. Sounds better?

In the UK, the top 1% pay 29% of income tax, top 5% pay 49% of income tax. This is more than any country in Europe. You have to be smoking crack to think we aren't getting enough tax from them.

Can you please look at tax rates in Europe? Other countries have far higher taxes on lower earners.

Those with assets above say £15m is who we should be taxing more.

SouthernNights59 · 13/08/2025 02:26

MrsSkylerWhite · 13/08/2025 00:52

Perfectly reasonable stance.
I don’t have an issue with economic migration simply because I’m sure I would do
precisely the same thing to better my family’s prospects. I also believe that those who make it to our shores must be some of the most resourceful, resilient and determined folk on the face of this earth and I welcome them.

I don’t deny for a moment that there will be a dangerous, nasty element who ought to be deported once their claim is processed : I think that’s probably true of any group/nationality, though. A first step in weeding out this element would be to allow asylum claimants to work from the moment they set foot on British soil, which they are currently not permitted to do. This would serve several purposes: it would give people dignify (most want to work), it would fill much needed gaps in our struggling public services and it would contribute to the nation’s tax take.

It would also have the benefit of discouraging the minority element of non-genuine claimants.

unfortunately, though, all of this will be academic within the next 30 years. If some people on this Island feel overwhelmed now, this will be as nothing when climate change really bites and hundreds of millions of desperate people from the southern hemisphere need to migrate north.

What makes you think "hundreds of millions of desperate people from the southern hemisphere need to migrate north" any time soon (if at all)?