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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:
Thread gallery
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TooBored1 · 16/11/2025 16:41

Bonde · 15/11/2025 15:36

I apologise if I come across as lacking empathy. I had read a post on Reddit where a posted had claimed his relatives were all claiming these benefits even though they didn’t need to.

Perhaps a little actual research would be in order before posting maliciously and making yourself look silly as well as meant spirited.

rainingsnoring · 16/11/2025 16:32

Pickledpoppetpickle · 16/11/2025 15:11

Have you never read the benefits threads?! Utter pile ons towards anyone who claims any kind of benefit. Without exception. Why shouldn’t people on any kind of benefit push back?

I agree. A lot of what is written is appalling. I'm just asking for a bit of balance. People who are disabled don't have exclusive rights to sympathy either.

rainingsnoring · 16/11/2025 16:30

ChardonnaysBeastlyCat · 16/11/2025 14:21

Even if house prices fall in the short term they will inevitably rise because of the population growth and the rise of one person households on one hand and the restricted supply on the other.

I disagree. House prices aren't based mainly on the number of immigrants. The main factor is bank lending. If bank lending dries up, prices fall regardless of population numbers. I think the demographics are also in favour of falls. Who will afford all the Silent Gen and Boomer homes when they leave us over the next few years/couple of decades?
Re one person households, the increase in elderly widows living alone may start to be offset by people sharing homes more because of unaffordability. The average number per household has actually remained pretty constant in the last 10 years. It has apparently turned up in the US already, despite masses of pandemic era building.

youalright · 16/11/2025 15:56

Pickledpoppetpickle · 16/11/2025 15:48

Except the anti- benefit people insist on utter shite like people on benefits driving round in Mercedes cars…..or being told that they should just get a job, or a better job, or it’s so easy to get disability benefits that everyone is doing it….it’s really not ok to have an opinion based on incorrect information.

100% This. Nobody minds a discussion based on correct information and facts but that never happens. Think of what the op said about the motability scheme based on what she read on reddit. Posting lies and misinformation online is adding to the problem as there are a lot of very gullible people on the internet who will believe anything and everything they read. What about all the misinformation around how people on benefits don't work. Or how apparently everyone has a neighbours, girlfriends, cousins, brothers friend who they apparently know of all there financial details and medical history.

Pickledpoppetpickle · 16/11/2025 15:48

Plantatreetoday · 16/11/2025 15:35

Everyone and anyone can push back. Including those not on benefits
There’s no moral high ground here and everyone is entitled to their opinions

Except the anti- benefit people insist on utter shite like people on benefits driving round in Mercedes cars…..or being told that they should just get a job, or a better job, or it’s so easy to get disability benefits that everyone is doing it….it’s really not ok to have an opinion based on incorrect information.

Plantatreetoday · 16/11/2025 15:35

Pickledpoppetpickle · 16/11/2025 15:11

Have you never read the benefits threads?! Utter pile ons towards anyone who claims any kind of benefit. Without exception. Why shouldn’t people on any kind of benefit push back?

Everyone and anyone can push back. Including those not on benefits
There’s no moral high ground here and everyone is entitled to their opinions

Pickledpoppetpickle · 16/11/2025 15:11

rainingsnoring · 16/11/2025 13:20

That's an unpleasant and not very sensible argument.
She could just as easily to around to someone disabled and tell them that they are not entitled to benefits and list various reasons. Why do you think that you can pass judgement on who is allowed to struggle and who is not? Again, this isn't a race to the bottom?

Have you never read the benefits threads?! Utter pile ons towards anyone who claims any kind of benefit. Without exception. Why shouldn’t people on any kind of benefit push back?

Plantatreetoday · 16/11/2025 15:01

Pluto46 · 16/11/2025 14:59

This thread has got completely derailed - the OP was about the benefits system in general, which is known to be out of control and unsustainable and yet any suggestion of even slightly reining it in has seemingly been abandoned. A fair suggestion of a small increase in income tax (largely off set by NI adjustments) has now also been abandoned in favour of RRs latest 'initiative' which appears to be the proposed targeting of around 10% of families using massively outdated data which varies considerably from region to region. Its all very well telling the OP to just move but will there even be a buyer for a house subject to supplementary council tax and how do you argue its worth if there is nobody prepared to buy. If they devalue her house to the point it should not longer be in that band, how swiftly will they recalculate her council tax ? - if my experience of local council admin is anything to go by, it will be months to even get a reply to an email.

Agree and they won’t lower the band as it was based on 1991 values
its irrelevant what it’s value is today

Pluto46 · 16/11/2025 14:59

This thread has got completely derailed - the OP was about the benefits system in general, which is known to be out of control and unsustainable and yet any suggestion of even slightly reining it in has seemingly been abandoned. A fair suggestion of a small increase in income tax (largely off set by NI adjustments) has now also been abandoned in favour of RRs latest 'initiative' which appears to be the proposed targeting of around 10% of families using massively outdated data which varies considerably from region to region. Its all very well telling the OP to just move but will there even be a buyer for a house subject to supplementary council tax and how do you argue its worth if there is nobody prepared to buy. If they devalue her house to the point it should not longer be in that band, how swiftly will they recalculate her council tax ? - if my experience of local council admin is anything to go by, it will be months to even get a reply to an email.

Plantatreetoday · 16/11/2025 14:59

Livelovebehappy · 16/11/2025 14:33

That’s the point. It may possibly be rampant. It might not. How can we determine that unless we identify unidentified fraud? But I’m pretty certain that the 1% figure bandied about doesn’t account for all fraudulent activity. It would be naive to think it does.

Current detected amount of fraud in the benefits system is 2.2% of the budget

Obviously it’s impossible to put a figure on the unknown

LadyKenya · 16/11/2025 14:50

Livelovebehappy · 16/11/2025 14:33

That’s the point. It may possibly be rampant. It might not. How can we determine that unless we identify unidentified fraud? But I’m pretty certain that the 1% figure bandied about doesn’t account for all fraudulent activity. It would be naive to think it does.

Maybe, but I have yet to encounter anybody telling me with glee in real life, how they are defrauding the system, like I read about people claiming here, often.

Livelovebehappy · 16/11/2025 14:33

LadyKenya · 16/11/2025 13:36

No system is 100% fraud proof. I can't think of another word to describe what I mean. Some posters like to make out it is rampant though, even when they are told time, and again, how difficult the system is.

That’s the point. It may possibly be rampant. It might not. How can we determine that unless we identify unidentified fraud? But I’m pretty certain that the 1% figure bandied about doesn’t account for all fraudulent activity. It would be naive to think it does.

ChardonnaysBeastlyCat · 16/11/2025 14:23

ObelixtheGaul · 16/11/2025 13:14

She's got less money because she's bought a house she can't afford in an area she can't afford. If somebody on minimum wage did that and moaned about it, I'm pretty sure you'd be saying move!

The South East is expensive, but there are cheaper 2 bed properties than that in commutable distance. I understand she doesn't want to live elsewhere, but the difference between living in actual heating versus eating poverty and simply having bitten off more than you can chew mortgage wise is it's not a question of what you want.

If she's struggling that much, move. She isn't entitled to a house in a more expensive area because she works. She's only entitled to what she can afford, like the rest of us. We all make hard choices, but I struggle to sympathise with someone who could save £150,000 by moving house but won't do it.

If someone on minimum wage in a £150,000 mid terrace in Manchester was complaining about their situation, you'd all be asking why they weren't working harder, getting a better job, etc. Moving to a different area if the work isn't there.

Middle class woman complains and suddenly it's poor you, how terrible, nothing she can do to help herself.

Well, it's her money she's spending.

ChardonnaysBeastlyCat · 16/11/2025 14:21

rainingsnoring · 16/11/2025 13:33

Well that's because the Brits are obsessed with house ownership and social media fills people's heads with nonsense about dream houses. Also, people don't understand basic maths and economics.
They were a great asset for older people who managed to buy decades ago. Now, they have become a liability for some people. We are going to get a big financial shock at some point and a lot of people will lose their jobs. House prices are falling, not rocketing up like in the 1990s.

Even if house prices fall in the short term they will inevitably rise because of the population growth and the rise of one person households on one hand and the restricted supply on the other.

ObelixtheGaul · 16/11/2025 14:06

rainingsnoring · 16/11/2025 13:33

Well that's because the Brits are obsessed with house ownership and social media fills people's heads with nonsense about dream houses. Also, people don't understand basic maths and economics.
They were a great asset for older people who managed to buy decades ago. Now, they have become a liability for some people. We are going to get a big financial shock at some point and a lot of people will lose their jobs. House prices are falling, not rocketing up like in the 1990s.

It's because nobody wants to be paying rent and worrying about having to move because their landlord decides to sell the house, when they are 80.

I didn't want a dream house, I didn't want an asset I could make money out of, I just wanted something that wasn't subject to the caprices of somebody else, where I could put a picture on the wall without having to ask if I could drill a hole, where nobody tells me what pets I can have and where any improvements I make benefit me, not someone else.
I know renting is more common abroad, but I'd genuinely like to know how their landlord/tenant systems work to guarantee security in old age, etc.

ObelixtheGaul · 16/11/2025 13:58

rainingsnoring · 16/11/2025 13:38

Fair enough. I also hate those sort of 'it's all poor people's fault' type posts.
She does have more choices than some, including most very ill and very disabled people (obviously wealthy ill and disabled people have far more choices than poor ones), just not good ones, hence my sympathy for her too.

Thank you for your decent and polite response. This is a lovely example of how debate should happen on these sites, and I am not the best always at acknowledging the validity of other views myself, so responses like this remind me to do better. We need more folk like you round here.

BobblyBobbleHat · 16/11/2025 13:41

rainingsnoring · 16/11/2025 13:38

Fair enough. I also hate those sort of 'it's all poor people's fault' type posts.
She does have more choices than some, including most very ill and very disabled people (obviously wealthy ill and disabled people have far more choices than poor ones), just not good ones, hence my sympathy for her too.

I agree.

Kirbert2 · 16/11/2025 13:38

rainingsnoring · 16/11/2025 13:33

Well that's because the Brits are obsessed with house ownership and social media fills people's heads with nonsense about dream houses. Also, people don't understand basic maths and economics.
They were a great asset for older people who managed to buy decades ago. Now, they have become a liability for some people. We are going to get a big financial shock at some point and a lot of people will lose their jobs. House prices are falling, not rocketing up like in the 1990s.

I still think it's a better option than having to rely on a landlord in a private rental which is usually the only other option.

rainingsnoring · 16/11/2025 13:38

ObelixtheGaul · 16/11/2025 13:30

Where have I said she isn't struggling? She is struggling, but it's not a struggle she can't do anything about.

It's only 'not a race to the bottom' when it suits, isn't it? I've seen a few posts on here where people tell those on low wages that it's their own fault, they aren't working hard enough, etc.

Seems fine and dandy to point out the errors in judgement of those on low wages, but heaven forfend we dare to suggest someone on an income that enables them to obtain a £500,000 mortgage might improve her circumstances by simply moving.

Disabled people can't simply sell their illness and move to better health. That's the difference.

Fair enough. I also hate those sort of 'it's all poor people's fault' type posts.
She does have more choices than some, including most very ill and very disabled people (obviously wealthy ill and disabled people have far more choices than poor ones), just not good ones, hence my sympathy for her too.

EasternStandard · 16/11/2025 13:37

A 2.5 bed home is hardly a SM dream or whatever, it’s a very expensive place to live. And people still tend to want a house if they have dc.

LadyKenya · 16/11/2025 13:36

Livelovebehappy · 16/11/2025 13:27

OK then. Absolutely no-one committing fraud not accounted for in the 1%....Confused

No system is 100% fraud proof. I can't think of another word to describe what I mean. Some posters like to make out it is rampant though, even when they are told time, and again, how difficult the system is.

rainingsnoring · 16/11/2025 13:33

Kirbert2 · 16/11/2025 13:27

Of course it's a privileged situation. Buying a house is an asset and there's a reason why the vast majority of people who can afford to buy a house, do so.

When people say they've bought a house, it is usually said with smiles on their faces not expecting sympathy from others because they've now got a mortgage.

Well that's because the Brits are obsessed with house ownership and social media fills people's heads with nonsense about dream houses. Also, people don't understand basic maths and economics.
They were a great asset for older people who managed to buy decades ago. Now, they have become a liability for some people. We are going to get a big financial shock at some point and a lot of people will lose their jobs. House prices are falling, not rocketing up like in the 1990s.

ObelixtheGaul · 16/11/2025 13:30

rainingsnoring · 16/11/2025 13:20

That's an unpleasant and not very sensible argument.
She could just as easily to around to someone disabled and tell them that they are not entitled to benefits and list various reasons. Why do you think that you can pass judgement on who is allowed to struggle and who is not? Again, this isn't a race to the bottom?

Where have I said she isn't struggling? She is struggling, but it's not a struggle she can't do anything about.

It's only 'not a race to the bottom' when it suits, isn't it? I've seen a few posts on here where people tell those on low wages that it's their own fault, they aren't working hard enough, etc.

Seems fine and dandy to point out the errors in judgement of those on low wages, but heaven forfend we dare to suggest someone on an income that enables them to obtain a £500,000 mortgage might improve her circumstances by simply moving.

Disabled people can't simply sell their illness and move to better health. That's the difference.

rainingsnoring · 16/11/2025 13:29

LadyKenya · 16/11/2025 13:26

Fair enough. It would be interesting to know if the OP thinks differently now, if she is still reading the thread.

Hopefully so!
There's far too much awful anti disabled and poor people rubbish, mainly in the right wing press and people fall for it.

Livelovebehappy · 16/11/2025 13:27

DarkwingDuk · 16/11/2025 10:02

Do we all know that? Sounds like an assumption to me. And you know what that will make out of you...

Unless you are somehow clairvoyant? Or are you some kind of private investigator? Oh no wait, you must be a secret agent placed especially with the benefit fraud office that gets specialised information that they see but choose not to follow up...that must be it.

In this situation you are, in fact, Jon Snow. It's honestly laughable.

It also doesn't negate any of the points I made about a vast majority of people on benefits being in full time employment - so why don't you break the trend and comment on the factual and far more relevant points?

I'll bet you think yourself rather intelligent - whilst falling for the rich party line hook, line and sinker. It's ridiculous.

OK then. Absolutely no-one committing fraud not accounted for in the 1%....Confused

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