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Fuck it - the government will look me

666 replies

Phonicshaskilledmeoff · 09/11/2025 09:05

I am becoming increasingly frustrated with the way our country is run. I love my country, but what on earth can I do to fix it? the Rachel reeves pension and stamp duty rumours have tipped me over the edge.

I believe 90% of our lives is the summation of our own choices. Bar (some of) our own (and families) health and tragic life events, there is very little we can’t choose in this country.

I’m not saying that the playing field is fair - I absolutely acknowledge that some groups face structural barriers that make good choices harder. Others are unaware those choices even exist. That’s where government should step in—not to equalise outcomes, but to equalise access to meaningful choice.

I think we all acknowledge that bad governments are ones that take away choices. This government, however is also taking away choice by incentivising bad choices. Policies should nudge people toward self-sufficiency, not make state reliance easier than self-reliance, or rewarding short-term decisions over long-term

Our Government should be working towards equitable availability of choice (not equal - see below) to make sure those choices are as easy and available to everyone. Policies should be in place to make sure people are encouraged to make the right choices.

I increasingly feel like I make the right choices and think what was the bloody point!

I’m going to wish I never paid into my pension soon and went on holiday instead! Should I just spend my money, move into a smaller house and quit my job. At this point I think I’d be better off.

Jargon Buster - EQUALITY - It’s assumed there is a level playing field and everyone gets the same resources. EQUITY - Everyone gets what they need to succeed, which may mean different levels of support.

OP posts:
WildLimePoet · 09/11/2025 13:57

PandoraSocks · 09/11/2025 13:54

but I am saying that when PIP is calculated, if it includes an amount to fund a car that is unwanted or unneeded, that amount should be removed

It doesn't include an amount to fund a car.
Here is a simple explanation, which I hope will help you understand.

What PIP is for

Personal Independence Payment (PIP) can help with extra living costs if you have both:

a long-term physical or mental health condition or disability

difficulty doing certain everyday tasks or getting around because of your condition

You can get PIP even if you’re working, have savings or are getting most other benefits.

How PIP works

There are 2 parts to PIP:

a daily living part - if you need help with everyday tasks
a mobility part - if you need help with getting around

Whether you get one or both parts and how much you get depends on how difficult you find everyday tasks and getting around.

Edited

But it clearly does. If the recipient ends up by a car with it. Or is this like a Schrodinger’s car? Maybe it’s there, maybe it’s not.

MNLurker1345 · 09/11/2025 13:57

bottledboot · 09/11/2025 12:20

But I do think today’s government does have a choice, stop managing decline and stop punishing ambition.

But how does one do that after years of under investment?

When this government came into power they gave immediate above inflation pay rises to train drivers and NHS workers. This was clearly an agreement and seemed to appease the unions. Ok! Both sectors wages have stagnated since the crash. I am not making a moral argument here.

Could the arrangement with the unions not have been put on hold for a year, by prior agreement, and that money used for investment?

That could have been a start!

bottledboot · 09/11/2025 13:57

@Swiftie1878 & do you believe that if we to receive a bailout all state pension payouts would cease?

JustSawJohnny · 09/11/2025 13:56

Right wing rage is often not awfully cogent.

This country was in free fall for years before the current government took power.

We are in the shit. Hard decisions will need to be made by whomever is in power.

Get ready for a REALLY hard time if Reform get in.

bottledboot · 09/11/2025 13:56

We are also outliers on our welfare system. Many counties are time limited and contribution based. We have far too many people not contributing comparatively because our system allows it.

I agree our welfare model isn't sustainable because people haven't paid enough but how do you fix that now with such a large proportion of older people?

Swiftie1878 · 09/11/2025 13:55

bottledboot · 09/11/2025 13:46

@Swiftie1878 I don't believe we are at the point now of needing an IMF bailout, I'm happy to read a credible source that says we are? I don't believe all state pension payouts will stop if we did get to the point we needed an IMF bailout.

I don’t believe we’re there yet either, but given the speed with which this chancellor nurtures huge Black Holes that suddenly need filling, I am worried about it.

PandoraSocks · 09/11/2025 13:54

Swiftie1878 · 09/11/2025 13:52

I’m not sure I understand your point, so forgive me if I reply in a half-cocked way, but I am saying that when PIP is calculated, if it includes an amount to fund a car that is unwanted or unneeded, that amount should be removed. It shouldn’t be a case of ‘well you’re entitled to a car, so here’s £x,000 per year for a lease’ and then the recipient decides to spend that money on something else instead.
This is NOT free money, and shouldn’t be treated as such.

but I am saying that when PIP is calculated, if it includes an amount to fund a car that is unwanted or unneeded, that amount should be removed

It doesn't include an amount to fund a car.
Here is a simple explanation, which I hope will help you understand.

What PIP is for

Personal Independence Payment (PIP) can help with extra living costs if you have both:

a long-term physical or mental health condition or disability

difficulty doing certain everyday tasks or getting around because of your condition

You can get PIP even if you’re working, have savings or are getting most other benefits.

How PIP works

There are 2 parts to PIP:

a daily living part - if you need help with everyday tasks
a mobility part - if you need help with getting around

Whether you get one or both parts and how much you get depends on how difficult you find everyday tasks and getting around.

Swiftie1878 · 09/11/2025 13:52

Negroany · 09/11/2025 13:36

Right.

What if they have other income, from savings etc? PIP is not means tested, remember? It's to help fund the additional costs of being disabled.

I’m not sure I understand your point, so forgive me if I reply in a half-cocked way, but I am saying that when PIP is calculated, if it includes an amount to fund a car that is unwanted or unneeded, that amount should be removed. It shouldn’t be a case of ‘well you’re entitled to a car, so here’s £x,000 per year for a lease’ and then the recipient decides to spend that money on something else instead.
This is NOT free money, and shouldn’t be treated as such.

PandoraSocks · 09/11/2025 13:52

Swiftie1878 · 09/11/2025 13:44

Then the point stands. If they don’t want a car or can’t drive, why is the taxpayer giving them money for one?

You don't understand. The mobility element of PIP is not awarded to people so that they can use it to lease a car. It is awarded in recognition of their mobility needs.

But they can choose to use it for that. Other people use it for electric wheel chairs, or to pay for taxis or whatever they think fit.

bottledboot · 09/11/2025 13:52

However, that is not the higher earners, broadest shoulders or whatever. They pay exceptionally high rates compared to other economies.

@Legolava can you expand on the above. I already said upthread that lower & middle earners (on paye) pay less vs other European countries but I thought higher earners (paye) were broadly in line as opposed to exceptionally high. Do you mean the loss of childcare incentives etc?

Namechanged999999 · 09/11/2025 13:50

BMW6 · 09/11/2025 09:10

Can't make head nor tail of what OP is asking.

Me neither. Not a clue.

EasternStandard · 09/11/2025 13:49

Legolava · 09/11/2025 13:41

Ahh now we are on to the awkward truth. No we don’t. However, that is not the higher earners, broadest shoulders or whatever. They pay exceptionally high rates compared to other economies. We have a very distorted and upside down tax system. Harsh reality is, lower earners and middle earners pay no where near enough. We are also outliers on our welfare system. Many counties are time limited and contribution based. We have far too many people not contributing comparatively because our system allows it.

Edited

Yes that difference is a major factor and will impact behaviour. Especially over a long period of time.

Why did we diverge? It’s storing up an increasingly difficult issue to resolve.

PandoraSocks · 09/11/2025 13:48

EasternStandard · 09/11/2025 13:41

UC isn’t time limited is it?

Do other countries have the same thing?

That is what I said. Non-contributory benefits are not time-limited including UC.

I don't know what other countries do. But I assume most European countries have some kind of long-term benefit system, otherwise people would starve.

For example: a quick Google tells me Germany has a contributory system which is time limited and an open ended system:

"If a worker is not eligible for the full unemployment benefits or after receiving the full unemployment benefit for the maximum of 12 months, he is able to apply for benefits from the so-called Hartz IV programme, an open-ended welfare programme."

Kirbert2 · 09/11/2025 13:48

Swiftie1878 · 09/11/2025 13:44

Then the point stands. If they don’t want a car or can’t drive, why is the taxpayer giving them money for one?

Because it's the highest mobility element of PIP/DLA and it has been assessed that they are disabled enough to qualify for the highest mobility element?

Pluto46 · 09/11/2025 13:47

The bottom line is the vast majority of tax payers don't have an issue with supporting genuinely disabled people. The issue is the ever increasing definition of hidden disabilities and the ever increasing pathologizing of normal emotions. Everyone feels stressed and anxious sometimes but when one person receives a benefit for it and someone else pays for it despite suffering from it themselves then there will always be an divide.

Calliopespa · 09/11/2025 13:47

FlayOtters · 09/11/2025 10:14

k, bye.

I actually think we can't be flippant about that possibility. I know people who have left and leaving, lots turning the idea over.

bottledboot · 09/11/2025 13:46

@Swiftie1878 I don't believe we are at the point now of needing an IMF bailout, I'm happy to read a credible source that says we are? I don't believe all state pension payouts will stop if we did get to the point we needed an IMF bailout.

MrsMurphyIWish · 09/11/2025 13:46

Legolava · 09/11/2025 13:41

Ahh now we are on to the awkward truth. No we don’t. However, that is not the higher earners, broadest shoulders or whatever. They pay exceptionally high rates compared to other economies. We have a very distorted and upside down tax system. Harsh reality is, lower earners and middle earners pay no where near enough. We are also outliers on our welfare system. Many counties are time limited and contribution based. We have far too many people not contributing comparatively because our system allows it.

Edited

@Legolava Interesting - off to research this now. The question will be “how can we replicate the culture of those countries?”.

feellikeanalien · 09/11/2025 13:46

Woodlend · 09/11/2025 13:05

Those that have paid in to the pension can spend it on what they like. Those that haven’t get vouchers. It’s an incentive to work. We need more of these.

So how does my profoundly disabled daughter who will never live independently, has no concept of time or money and would basically die if she had to live by herself get incentivised to go to work.

Oh and the £83 a week Carers Allowance I get for her wouldn't even touch the sides of the amount of money the government would have to pay out if she was in full time residential care.

I am going to step away from this thread now as I can feel myself getting angrier and angrier.

Yes there probably are people who cheat the benefits system just as there are many wealthy companies and individuals who con the government out of tax they should be paying.

I am tired of being made to feel ashamed because I happened to have a profoundly disabled child. I had a professional career but sadly my choices did not include my partner dying. I also volunteer for a charity one day a week and the number of times I have had to cancel because my DD is unable to go to her special school because of health issues makes me feel guilty. I am lucky they are so understanding.

I am so sick of all people on benefits being tarred with the same brush despite all the faux protestations of "oh of course we don't mean you".

This country has serious issues but I really don't think that cutting welfare is going to solve them.

Oh and by the way from April next year the element of UC that is awarded when a person is unable to work due to illness or disability is being cut by 50%.

I spend every day of my life worrying for my daughter and I don't need people saying she just needs a bit more incentive.

Kirbert2 · 09/11/2025 13:45

Phonicshaskilledmeoff · 09/11/2025 13:42

Pardon? Doesn’t that fall into the health category that isn’t a choice?

And wouldn’t you prefer a government that supports him to be able to have choices?

Some people clearly want to limit choices of disabled people. Vouchers wouldn't save money and it might make some people feel better but it isn't going to help disabled people or give disabled people more choices as an example.

OwlBeThere · 09/11/2025 13:44

I believe 90% of our lives is the summation of our own choices. Bar (some of) our own (and families) health and tragic life events, there is very little we can’t choose in this country

nope. That’s just not true.

Swiftie1878 · 09/11/2025 13:44

Kirbert2 · 09/11/2025 13:28

It isn't enough money to afford to buy a car. It's money to lease a car or the same money in cash because not everyone wants to use the money to lease a car and not everyone is able to drive.

Then the point stands. If they don’t want a car or can’t drive, why is the taxpayer giving them money for one?

Damnthetorpedoes · 09/11/2025 13:44

Swiftie1878 · 09/11/2025 13:41

Don’t make that bet. You won’t be able to afford it! 😂

During this parliament?

Phonicshaskilledmeoff · 09/11/2025 13:42

Catsknowbest · 09/11/2025 13:27

Mm. Well. Guess what? My husband didn't want injuries from military service and to have to become disabled but hey ho. And if you're going to start a rather goady thread at least examine your grammar.

Edited

Pardon? Doesn’t that fall into the health category that isn’t a choice?

And wouldn’t you prefer a government that supports him to be able to have choices?

OP posts:
Swiftie1878 · 09/11/2025 13:41

PandoraSocks · 09/11/2025 13:20

I will pay £50 to the charity of your choice if there is an IMF bail out. Deal?

Edited

Don’t make that bet. You won’t be able to afford it! 😂

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