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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Do you think we should life the two child benefit cap?

758 replies

Marshmallow4545 · 11/11/2025 07:16

I believe that the majority of people think that the cap should remain and child poverty should be tackled in different ways.

Personally I would like to see children on FSMs allowed free access to after school extracurricular clubs and activities. I would also provide more poor families with access to food banks and would look to stock these with a range of healthy and nutritious options either through donation or state funding if required. I would also look to recruit volunteers to offer advice on health and diet in these places. I would provide clothing and school uniform banks with high quality, second hand clothing that kids would actually want to wear. I have some branded 'fashionable' stuff my kids have grown out of that's still in great condition that I would happily donate.

All of the above in my view is preferable to lifting the cap and would be more effective in tackling the impact that child poverty has on the child.

So AIBU that the two child cap should remain and we should look at other more direct ways to tackle child poverty?

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yellowspanner · 11/11/2025 18:13

Leave the cap in place. Working families stop having kids because they can't afford them but still have to pay taxes that are funding other people's kids

Differentforgirls · 11/11/2025 18:00

givemesteel · 11/11/2025 13:21

You're not a pensioner until you're 67 though, at your age? If you've stopped working and are funding your unemployment then fine but at the moment you're "unemployed" not a pensioner.

Yet I get a pension.

HairyToity · 11/11/2025 17:59

Not read thread but we stopped at two DC as we couldn't afford more even with us both working full-time. I don't think the two children cap should be lifted.

EasternStandard · 11/11/2025 17:57

HappyGilmorex · 11/11/2025 17:31

https://ifs.org.uk/articles/economic-consequences-uks-ageing-population

Crib sheet for those not recognising the fiscal disaster that is an ageing population with insufficient young people working to pay for it.

If they’re not working how does it help?

Differentforgirls · 11/11/2025 17:42

Marshmallow4545 · 11/11/2025 16:01

Can you please link to the trial that was comparable with SNAP? I don't think Scotland has ever done this.

It wasn’t a trial. It was a thing called “section 12 payments”. Some councils tried to make it food vouchers. But it left out things like nappies etc, so was very quickly abandoned as it was taking choice away from the families who needed it.

Zitroneneis · 11/11/2025 17:33

Kendodd · 11/11/2025 17:13

Private pensions DO rely on current workforce to fund them. They invest money in companies and pay returns from profits. Those profits are generated by a workforce producing whatever it is they produce. If its a property company renting out buildings, it relies on people working to earn the money to pay the rent. Even just money left in the bank and earning interest is loaned out to other people, who will be working to pay back the loan.
How exactly did you think pensions are paid? Did you think it's just kept as a big pile of cash in a bank vault and dripped out to you?

Pension funds can and do invest internationally! That is they buy equity in companies abroad, so they are not dependent on the population and/or workforce of the UK.

HappyGilmorex · 11/11/2025 17:31

https://ifs.org.uk/articles/economic-consequences-uks-ageing-population

Crib sheet for those not recognising the fiscal disaster that is an ageing population with insufficient young people working to pay for it.

FlowerUser · 11/11/2025 17:30

I haven't RTFT but your ideas are crackers.

Labour was elected to reduce child poverty and PPs have quoted the IFS and CPAG who state that lifting the benefit cap is the quickest, easiest and most effective way to lift hundreds of thousands of children out of poverty.

Food banks barely existed under the last Labour government and are a direct result of suppressing wages and drastic cuts under austerity. Yet you are advocating that they should be more of them funded by the taxpayer to have more nutritious food.

There is a prevelant lie that you seem to have bought into, based on your experience rather than data and research, that money given to the poorest is spent on values and fags. Yet we know that money given to poorer families, particularly if the money goes directly to women, that it is spent on children's needs.

We also know that those in the lowest socioeconomic groups are more likely to spend their money than save, because they can buy more and better quality food and it's often still not enough to allow for savings as well.

This matters because that money goes into the economy. Supermarkets find people spending more means they have to hire more staff to manage the increase in demand. This creates the growth that the UK needs. Those staff, who may have been unemployed, then have money to spend and on it goes. It's called the multiplier effect.

The real culprits for child poverty are the Tories.with their austerity cuts and the private sector for paying poverty wages. Look elsewhere for your venom. It should not be pointed at children in poverty.

Swiftie1878 · 11/11/2025 17:26

Kendodd · 11/11/2025 17:13

Private pensions DO rely on current workforce to fund them. They invest money in companies and pay returns from profits. Those profits are generated by a workforce producing whatever it is they produce. If its a property company renting out buildings, it relies on people working to earn the money to pay the rent. Even just money left in the bank and earning interest is loaned out to other people, who will be working to pay back the loan.
How exactly did you think pensions are paid? Did you think it's just kept as a big pile of cash in a bank vault and dripped out to you?

They don’t depend on a single nation’s working population. And some companies can make more profits by reducing their workforce, especially as technology moves on.

State pensions are directly dependent on the number of people engaged in work and paying tax IN THAT STATE, since they are paid out of the current tax take.

Swiftie1878 · 11/11/2025 17:23

HappyGilmorex · 11/11/2025 17:02

Depends on whether it's a defined contribution or defined benefit pension

Defined benefit pensions tend to be workplace pensions. Very few are open to new members now.
The vast majority of private pensions are defined contribution and do NOT depend on anything other than the member’s own financial commitment.

State pensions are completely different and are paid out of the current tax take.
These will become unsustainable (already are, really) and won’t last for much further into the future. These government that will need to anniunce this fact is going to be in big trouble, that’s why they keep putting it off.

Ilovecakey · 11/11/2025 17:22

Whoevenarethey · 11/11/2025 07:41

Depending on school, a lot of extra curricular activities are free or definitely offered as free to selected students (I recall paying for my son to do football a few years ago with an external provider and was talking to another parent who told me how great it was for them to offer training for free!). Generally my children's school now do all clubs for free, even if it is an external provider. Unfortunately the uptake doesn't always get to the groups that you are thinking of. Same with the HAF schemes. They target certain groups but often these groups for some reason do not access them. More research should be done into why.

My belief is that child benefit should be given as vouchers which are restricted in how they are spent. Yes this is very nanny state, but there is always a perception benefits are spent on alcohol, vales or cigarettes so to me if they were given as a generic supermarket voucher that could be used in any store but only in food items then this would shut up the haters and ensure that all children have a contribution to food.

What about when they need to buy clothes or shoes or birthday or christmas or other presents for their children?

Marshmallow4545 · 11/11/2025 17:17

Kendodd · 11/11/2025 17:13

Private pensions DO rely on current workforce to fund them. They invest money in companies and pay returns from profits. Those profits are generated by a workforce producing whatever it is they produce. If its a property company renting out buildings, it relies on people working to earn the money to pay the rent. Even just money left in the bank and earning interest is loaned out to other people, who will be working to pay back the loan.
How exactly did you think pensions are paid? Did you think it's just kept as a big pile of cash in a bank vault and dripped out to you?

This far too simplistic.

Pensions funds will have have diversified portfolios of investment involving commodities, bonds and shares. Much of this investment will be suceptible to global trends rather than the UK specifically. Frankly as long as these investments are profitable then the pension fund is doing fine.

If they think birth rates are a problem here they can invest elsewhere

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Kendodd · 11/11/2025 17:13

Zitroneneis · 11/11/2025 16:19

No, that is incorrect!

Private pensions are literally pots of money that a person pays into and invests into different assets. They DO NOT rely on the current workforce!

Private pensions DO rely on current workforce to fund them. They invest money in companies and pay returns from profits. Those profits are generated by a workforce producing whatever it is they produce. If its a property company renting out buildings, it relies on people working to earn the money to pay the rent. Even just money left in the bank and earning interest is loaned out to other people, who will be working to pay back the loan.
How exactly did you think pensions are paid? Did you think it's just kept as a big pile of cash in a bank vault and dripped out to you?

Andanotherplease · 11/11/2025 17:09

They should just cut foreign aid completely then they can lift the 2 child cap and not raise taxes either

Cherrysoup · 11/11/2025 17:07

Marshmallow4545 · 11/11/2025 07:23

Just to add that Starmer actually stated in 2023 that he wouldn't lift the cap so do Labour even have a political mandate to do this?

And he also promised not to raise taxes but they’ve pretty much said they’re going to anyway in the budget.

Many extra-curricular clubs at school are already free: we don’t charge unless the students need new equipment. However, the funding for fsm/pp students has been drastically chopped. It used to be that we’d paid over £300 per year per child towards trips, this has disappeared this year and we’ve had to say that for non-curriculum based trips, there is no financial assistance available.

HappyGilmorex · 11/11/2025 17:02

Zitroneneis · 11/11/2025 16:19

No, that is incorrect!

Private pensions are literally pots of money that a person pays into and invests into different assets. They DO NOT rely on the current workforce!

Depends on whether it's a defined contribution or defined benefit pension

EasternStandard · 11/11/2025 16:55

Locutus2000 · 11/11/2025 16:36

I'm glad your mask has slipped and revealed your toxic combination of snobbery and jealousy, instead of pretending you give a fuck about the kids.

Why to that post in particular?

Zitroneneis · 11/11/2025 16:54

Locutus2000 · 11/11/2025 16:36

I'm glad your mask has slipped and revealed your toxic combination of snobbery and jealousy, instead of pretending you give a fuck about the kids.

What a strange conclusion?

Can you not see that for those of us working hard to keep a roof over our heads this is a huge amount of money being handed to some families?

Marshmallow4545 · 11/11/2025 16:50

Just to add, as a very real example of how parents can make decisions that go against the interests of their kids.

I know at least three families with five plus kids where they also have lots of animals. I'm talking numerous dogs, cats, fish and rabbits. These animals are hugely expensive and need to be fed, walked, recieve veterinary care and generally take up space in the house and yet I hear just this week that one of the families had procured yet another puppy. Some people really do put their own selfish desires before the needs of their kids.

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Marshmallow4545 · 11/11/2025 16:44

Locutus2000 · 11/11/2025 16:36

I'm glad your mask has slipped and revealed your toxic combination of snobbery and jealousy, instead of pretending you give a fuck about the kids.

Oh, come on! I have literally gone around the houses working through options that would directly help children in poverty. Paying parents £30k a year in benefits with no obligation to spend it all or even most of it on the actual children just isn't the right way to go about it. It is tax payer money and we need any spending to be as efficient and effective as possible.

Do you think handing parents £30k to spend however they want is going to help children with irresponsible and reckless parents? What about parents that just don't know any better?

I have seen and been around a lot of poverty in my life. I won't be persuaded by those that are convinced that parents always do the right thing by their children, especially parents that knowingly bring more and more children into this world in abject poverty knowing that this is also detrimental to the existing children. This isn't the decision making of a responsible parent that is putting their kids first and yet we supposed to believe that this £30k will be spent responsibly and in the interests of the child. I was not born yesterday and neither were most of this country's population.

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Locutus2000 · 11/11/2025 16:36

Marshmallow4545 · 11/11/2025 16:33

It is an awful lot of money. For a family of seven that would be an additional £1,500 a month. All tax free of course. This is the equivalent of a FT minimum wage added to their 'income' with absolutely no obligation to spend the money on the kids.

Add in child benefit too and the UC they will already be claiming for two kids and a family will be entitled to £30k a year in child related benefits alone a year. That's an awful lot of tax some poor bugger is paying to fund all of this.

I'm glad your mask has slipped and revealed your toxic combination of snobbery and jealousy, instead of pretending you give a fuck about the kids.

Marshmallow4545 · 11/11/2025 16:36

TigerRag · 11/11/2025 16:34

Depending on the age of the children, the parents may not get benefits for all of them

True, but the kids then may be entitled to claim in their own right for benefits of their own so the household benefit claim might not reduce a lot.

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TigerRag · 11/11/2025 16:34

Marshmallow4545 · 11/11/2025 16:33

It is an awful lot of money. For a family of seven that would be an additional £1,500 a month. All tax free of course. This is the equivalent of a FT minimum wage added to their 'income' with absolutely no obligation to spend the money on the kids.

Add in child benefit too and the UC they will already be claiming for two kids and a family will be entitled to £30k a year in child related benefits alone a year. That's an awful lot of tax some poor bugger is paying to fund all of this.

Depending on the age of the children, the parents may not get benefits for all of them

Marshmallow4545 · 11/11/2025 16:33

RubySquid · 11/11/2025 16:27

As pointed out before its the child allowance of UC that's capped. Thats £300 pound a month per child. Not to be sniffed at.

My kids didn't cost that per month each

It is an awful lot of money. For a family of seven that would be an additional £1,500 a month. All tax free of course. This is the equivalent of a FT minimum wage added to their 'income' with absolutely no obligation to spend the money on the kids.

Add in child benefit too and the UC they will already be claiming for two kids and a family will be entitled to £30k a year in child related benefits alone a year. That's an awful lot of tax some poor bugger is paying to fund all of this.

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Zitroneneis · 11/11/2025 16:31

I actually voted YABU as I thought that to mean we SHOULD NOT pay benefits beyond two children. Perhaps me (and others) voted incorrectly in that case 🤔