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Cut benefits before increasing council tax

460 replies

Bonde · 15/11/2025 15:19

https://www.lbc.co.uk/article/reeves-council-tax-hike-5HjdMrJ_2/

As an increase in income tax is now out the window, the government will have to look at other ways to fill the gap by increasing a dozen smaller taxes. One option, I think they will opt for, is to apply a surcharge for homes in bands F,G&H. It would be politically expedient to do so because many people will assume those in such homes are wealthy.

We purchased our band f property earlier this year at £550k. We live in London and didn’t want to uproot our family, and move jobs, so decided to buy our 2.5 bed house.
After mortgage and bills, we have £100 to £200 left over, but some months have nothing. An increase would be so difficult to manage.

Why can’t the government have the courage to cut benefits. You can buy a BMW or Mercedes on the Mobility Scheme! Why?

Reeves set to hit thousands of homes with new levy after massive U-turn on income tax | LBC

The Chancellor is preparing to hit homes in the highest council tax bands with a new surcharge

https://www.lbc.co.uk/article/reeves-council-tax-hike-5HjdMrJ_2/

OP posts:
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8
Swiftasthewind · 15/11/2025 17:28

ThatGladTiger · 15/11/2025 17:24

I am no miser.

Why is someone who has metal illness more worthy of a brand new car on lease though the mobility scheme then any other person?

Because of the horrible circumstances of which they were born into this world. Having empathy is recognising this and doing everything in your power to help those less fortunate than you, and that includes sacrificing a portion of the money that your able body earned you.

elviswhorley · 15/11/2025 17:27

youalright · 15/11/2025 17:12

You would be highly unlikely to get pip for social anxiety especially a mild form which you can just work through. You may not realise it but what you are describing is very mild anxiety. Anxiety disorder covers agoraphobia, panic disorder, ocd, ptsd, selective mutism. There is no pip criteria for going red from talking to someone

You've just named multiple medication conditions that are not an anxiety disorder. Of course those things are debilitating.

elviswhorley · 15/11/2025 17:25

SuffolkSun · 15/11/2025 17:16

Well, to echo you: I don't think you need UC as you're perfectly capable of working. You just need to work more....

See how difficult it gets when you start highlighting specific groups as the "reason" the Welfare Budget is "too high".

State pensions account for half the Welfare budget. Removing the triple lock would reduce Welfare spending by £5bn-£10bn over the next five years. Seems like a good enough place to start as any, no.

Maybe yeah. I know little about pensions. I'm not saying they're the reason for the welfare budget being high. I don't think it's high. There's always loads unclaimed too.

That wasn't the point I made.

ThatGladTiger · 15/11/2025 17:24

Swiftasthewind · 15/11/2025 16:50

People lying to get benefits and steal ‘your’ tax money is a right wing myth made up to get you to hate the disadvantaged of society. The fact is, we do not pay nearly enough into the system for those with disabilities to live a comfortable and dignified life and you are privileged to be in a position where you can earn money to pay for your lifestyle. The least you can do is offer some of that up to the less fortunate you miser.

I am no miser.

Why is someone who has metal illness more worthy of a brand new car on lease though the mobility scheme then any other person?

Joeninety · 15/11/2025 17:24

Mmm, a free Mercedes or similar, absolutely no bills of any sort, and about £2000 a month of what they used to call 'pin money' to spend ? And all you have to do is give up working ? I'd like to enrol.

AnneShirleyBlythe · 15/11/2025 17:24

If the Motability scheme ended tomorrow my DH would still be wheelchair dependent & still be claiming PIP! No money would be saved but it would be more difficult for disabled people to access suitable vehicles. Often these vehicles are what allows the claimant to work & pay taxes. But no, better to stop the scheme so disabled people know their place, which is not in a nice vehicle 🙄

ThatGladTiger · 15/11/2025 17:23

Climbingrosexx · 15/11/2025 17:01

Is the person with epilepsy the driver or is the car for their carer to drive them around?
If the epilepsy is controlled enough they can drive then they shouldn't be claiming anything surely? I have epilepsy which has been controlled for many years but even in the years it wasn't and I couldn't drive I still didn't claim anything I just got on with life. Never even occurred to me I might be disabled in any way.

Yes disability benefits for epilepsy. Has used them to get a lease car through mobility. Their epilepsy is controlled but still can get benefits. Make it make sense!

EilonwyWithRedGoldHair · 15/11/2025 17:22

Helpingout2000 · 15/11/2025 16:53

How many workers have experienced traumatic personal lives, attempted suicides but carry on in automatic pilot. Why, because they know they would lose their house and everything.

MH is experienced by everyone to some degree but to succumb to it is only an option for the wealthy or those able to rely on benefits. I speak from experience as I have witnessed harrowing examples. I find this so upsetting.

You know people go from well with jobs, houses, families etc. to very unwell and in some cases lose everything, right?

Severe mental illness doesn't care about your bills, about your life.

SuffolkSun · 15/11/2025 17:16

elviswhorley · 15/11/2025 16:43

I have. in fact I still do and as such I don't get on well in jobs, and I've tried and tried but they have on numerous occasions threatened to ruin or end my life due to it.

I had no choice but to persevere. Now I am freelance and it's much better, but I still need benefits to top up my income.

I could probably be on PIP but I'm not, I'm on UC.

Well, to echo you: I don't think you need UC as you're perfectly capable of working. You just need to work more....

See how difficult it gets when you start highlighting specific groups as the "reason" the Welfare Budget is "too high".

State pensions account for half the Welfare budget. Removing the triple lock would reduce Welfare spending by £5bn-£10bn over the next five years. Seems like a good enough place to start as any, no.

AnneShirleyBlythe · 15/11/2025 17:16

AlastheDaffodils · 15/11/2025 15:28

The problem with council tax is the bands bear little relation to today’s values. OP lives in a fairly normal house and is band F. There are £700k houses that are band G paying £4k a year. Meanwhile most of the houses on our London suburban road in a low tax borough are worth about £2m but are band E, £1200 council tax a year.

So if they double the rates for bands G and H, you’ll get £700k houses paying £8k p.a. tax and £2m houses paying £1200 pa. Grossly unfair.

But not the fault of those on PIP, I’m sure you’ll agree?

EilonwyWithRedGoldHair · 15/11/2025 17:16

cityanalyst678 · 15/11/2025 16:57

So what you are saying is that working people should work harder and harder to fund the enormous number of people claiming benefits?
You may well be genuine, but at what point do you want working people to be broken?
Does your husband work long hours?

My DH works stupid hours for a pittance (way below minimum wage) because he can do it around DS and his needs. So yes, you can have a disabled family member and still work long hours.

I only work 20hrs at present but that's because that was the job I could find after being made redundant.

No UC, we get DLA for DS and DH gets Carers Allowance.

ObelixtheGaul · 15/11/2025 17:14

Genevieva · 15/11/2025 15:35

I agree. We are band F, as are a lot of the houses in the surrounding area even though they probably shouldn’t be. All because some idiot councillor in the 70s thought we were a pretty area and a potentially desirable holiday destination. But we couldn’t afford to buy a studio flat in London for the sale price of our family home. Plus we don’t get the amazing public services Londoner enjoy. Our local bus service has been cancelled. The village GP surgery closed and amalgamated in a hub in a larger village. The bin collections have been reduced. There are potholes everywhere that never get fixed. And people are on their knees financially because small local businesses are being eviscerated. This will bankrupt people.

Well, we could have had a national revaluation in the early 2000s, but it was shelved last minute because everyone moaned about it.

As a result, we are stuck with valuations based on prices as at 1993. I used to work for the valuation office and thought it was daft to shelve the reval at the time, but the public outcry was so high over it.

You see, we are our own worst enemy. The short term view was 'ooh, my tax band might go up'.

youalright · 15/11/2025 17:12

elviswhorley · 15/11/2025 16:27

Well, we're talking about completely non-tangible things here so we can't really pin it down.

I suppose I do question the validity of it to a degree. I remember having really, really bad anxiety growing up, they used to call it 'social anxiety'. I couldn't even speak to people without going red.

But I left home as a young adult and simply had no choice but to push through. It worked like exposure therapy.

I don't know how great it is to say 'okay you can just have this money and work less'

I don't know why that's more valid either than saying that to someone like me, a mother working part-time to properly raise children.

If you are crippled by anxiety you can still work, and it is too open to abuse. So I think if we have to cut benefits, it should be for that.

You would be highly unlikely to get pip for social anxiety especially a mild form which you can just work through. You may not realise it but what you are describing is very mild anxiety. Anxiety disorder covers agoraphobia, panic disorder, ocd, ptsd, selective mutism. There is no pip criteria for going red from talking to someone

Pointingwiththepointer · 15/11/2025 17:10

SD1978 · 15/11/2025 15:39

You chose a house you could barely afford, no one chooses a disability…….

The OP could afford it before this disgusting government decided to tax the homes people live in

cityanalyst678 · 15/11/2025 17:10

elviswhorley · 15/11/2025 16:58

You work hard for satisfaction and to fund your own lifestyle don't you?

Absolutely not always the case. Sometimes the unexpected happens. You have to dig deep and keep going. And my job used to be fantastic, but since Covid it has become almost impossible. And if one of your previous pensions collapsed and then one gets made redundant, plans can go out the window. But no one has ever funded our lifestyle, apart from us. Even in tough times.

Livelovebehappy · 15/11/2025 17:07

DarkwingDuk · 15/11/2025 16:54

Wow...the ignorance on this thread is insane.

From what I've seen in the job I do the vast majority of people on benefits work full time - in over half of the cases we see both adults in the house are working full time - and yet they do not earn enough to live, so they are topped up by benefits.

It's incredibly selfish to sit and say that those who are working full time and just scraping by should have to suffer more simply because you don't want to have to suffer at all.

Benefit fraud makes up less than 1% of benefit claimants - but the rich people who run the press keep convincing the middle classes that people on benefits are the issue.

Honestly - all of you need to do some research and stop blaming the poor, who already have nothing, and start looking at the super rich who continually benefit whilst vilifying the very people they're taking from.
How people constantly fall for it is beyond me. Open your eyes.

The known benefit fraud might only make up 1% but we all know there are many more probably committing fraud who are not found out.

Helpmefindmysoul · 15/11/2025 17:07

I would maybe cautiously state that while the number of benefits fraud cases are small it’s because the individuals recruited to investigate these roles lack knowledge to be in the role. I went for an interview within the department that does this work and one of the panel did not know what AML was when I used it in one of my responses.
I think benefits need to be reviewed to see if some circumstances are the same. Benefits abuse is quite rife in my wider family and so it maybe more common than thought.

I don’t think the child benefit cap should be lifted but that money but should it I think the money should be invested into schools instead. Possibly to provide greater SEN provisions and ensure children can access education more suited / tailored to their needs.

The mobility scheme is an option if those eligible decide to use the money they are entitled to on a car or have the cash. It’s easy to say they shouldn’t have a luxury car but it might not suit their needs. I have an autoimmune condition I do not get PIP for it, however as a result of my condition I really struggle to drive manual vehicles. There is a certain make of car which is very very easy to drive and therefore I won’t drive any other. I do have that car , they are not cheap and are in the “luxury” category. My car is 10 years old but it works best for me, so we don’t know what the needs of those who need a car and so it’s not as easy as they shouldn’t drive that car.

The council tax amendments I don’t agree with either because again the service is not returned by local authorities so not value. It also shouldn’t be cause your house is worth X you pay more. Those who say you shouldn’t have a house you can’t afford, well maybe when someone brought it they could then to just be slapped with an increase without any justification beside price is a little nonsensical. Again if they don’t buy the house then on the current model a lot of revenue wouldn’t have been generated from their stamp duty. Also those who have by some miracle been given a council house which is that band will they be subjected to it? Or is it just homeowners who have to pick up the tab?

Income tax is the easiest way to raise the revenue but it needs to be fair, it can’t just be on net contributors to facilitate this.

Enigma54 · 15/11/2025 17:06

ninjahamster · 15/11/2025 15:26

Oh FFS, another benefit bashing thread.

Because those of us claiming are living the life of Riley didn’t you know? Foreign holidays, sports cars, latest tech…

Honestly, you have no clue. If my benefits were reduced, we would be in serious difficulty. Our income barely covers the essentials (my husband works). But that’s ok is it? Because we are poor and deserve to be poorer?

This!
Just piss off with your benefits bashing thread OP! I’ve got cancer, can’t work, on chemo, in pain, reliant on pip, ESA and MY savings. Also unlikely to see my young adult kids grow up. Want to swap?!!!!

SushiForMe · 15/11/2025 17:06

SugarandSpiceandAllThingsNaice · 15/11/2025 15:42

Yabu.
London council tax is well below the national average. It’s about time things were evened up. Band F in Westminster is only £1500/yr, whereas Band F in my deprived rural area is £3500/yr.

How is that unfair? Council tax pays for local services so in high density area the cost per household will be lower. There are advantages to living in a lower density area though (pollution, noise, to name a few). In a sense the council tax discrepancy partly reflects that.

SuffolkSun · 15/11/2025 17:05

Holycowhowmuch · 15/11/2025 16:38

The Government are Fabians check out fabian society the are trying to follow the one world government playbook make everyone poor rather like communism. They care not for wealth (apart for themselves). Blair started the push, and is behind starmer. The country allowing open borders, treating them well and with leniency...unsettling the population... its being played out the same across europe, australia, canada and, until Trump, in USA. Remember Klaus Scwab of the World Economic Forum quoted as saying "you will own nothing, but be happy" google it all. This is why we are gradually unable to afford housing, have to cut back endlessly. Homeowners will lose houses , farms close etc watch lots of news channels hunt around on these topics. Get following it all. Are we happy enough yet....sadly not i fear !!

Yawn.

Do you often come onto mumsnet to make a fool of yourself?

TeatimeForTheSoul · 15/11/2025 17:05

Thank goodness we have another right-wing campaigners thread. There’s been so few of these recently 🙄

Livelovebehappy · 15/11/2025 17:03

ninjahamster · 15/11/2025 15:26

Oh FFS, another benefit bashing thread.

Because those of us claiming are living the life of Riley didn’t you know? Foreign holidays, sports cars, latest tech…

Honestly, you have no clue. If my benefits were reduced, we would be in serious difficulty. Our income barely covers the essentials (my husband works). But that’s ok is it? Because we are poor and deserve to be poorer?

Do you work too?

Kirbert2 · 15/11/2025 17:02

I tell you what, I'll swap you my Mercedes Motability car for your expensive house.

The only catch is that your child has to be severely disabled as that's the reason why I have my Motability car.

Deal? Yeah, I thought not.

SpaceRaccoon · 15/11/2025 17:01

I would have sucked up an income tax rise - I'm not a high earner but could wear a couple of hundred extra quid a year.
I can't afford to find an extra 3K plus, I just can't.

Climbingrosexx · 15/11/2025 17:01

ThatGladTiger · 15/11/2025 16:47

mumsnet….

The only place where every single person who is claiming benefits is deserving of them.

No one has an issue with genuine people in need of benefits. But I know of at least two people who have a brand new car on lease through the mobility scheme one has metal health issues and one has epilepsy. How is that right? Why is it for brand new cars too? This scheme is being abused.

Is the person with epilepsy the driver or is the car for their carer to drive them around?
If the epilepsy is controlled enough they can drive then they shouldn't be claiming anything surely? I have epilepsy which has been controlled for many years but even in the years it wasn't and I couldn't drive I still didn't claim anything I just got on with life. Never even occurred to me I might be disabled in any way.