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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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Kirbert2 · 16/11/2025 13:27

rainingsnoring · 16/11/2025 13:22

You may well do but that doesn't mean that it is a privileged situation. A huge debt is a millstone. There are plenty of groups who deserve sympathy.

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.

LadyKenya · 16/11/2025 13:26

rainingsnoring · 16/11/2025 13:23

I agree. I just think it has gone OTT and that rants about her being privileged are wide of the mark.

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

rainingsnoring · 16/11/2025 13:23

LadyKenya · 16/11/2025 13:20

It has been acknowledge that a lot of people are finding life difficult right now. Of course people are going to defend themselves, if they are unfairly targeted, which is what happened with the OP. As I pointed out earlier, taxes are used to pay towards lot of things, but the first point of call for the OP, was to make a false, inflammatory comment about Motability, without doing a basic check, to even make sure that what she was saying, was true.

I agree. I just think it has gone OTT and that rants about her being privileged are wide of the mark.

rainingsnoring · 16/11/2025 13:22

Kirbert2 · 16/11/2025 13:17

I agree that house prices are out of control in London and other places too. I'd consider myself very fortunate if I could afford such a big mortgage and still with money left over after bills were paid.

You may well do but that doesn't mean that it is a privileged situation. A huge debt is a millstone. There are plenty of groups who deserve sympathy.

LadyKenya · 16/11/2025 13:20

rainingsnoring · 16/11/2025 13:11

She shouldn't have attacked disabled people. That was unfair and ignorant and born of stress.
I think some people are going OTT in attacking her back and being pretty unpleasant. She had some choices but none were very good ones. House prices are far too high relative to incomes and that is causing so many problems for so many people. It's not just the disabled that are finding life hard.

It has been acknowledge that a lot of people are finding life difficult right now. Of course people are going to defend themselves, if they are unfairly targeted, which is what happened with the OP. As I pointed out earlier, taxes are used to pay towards lot of things, but the first point of call for the OP, was to make a false, inflammatory comment about Motability, without doing a basic check, to even make sure that what she was saying, was true.

rainingsnoring · 16/11/2025 13:20

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.

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?

Kirbert2 · 16/11/2025 13:17

rainingsnoring · 16/11/2025 13:11

She shouldn't have attacked disabled people. That was unfair and ignorant and born of stress.
I think some people are going OTT in attacking her back and being pretty unpleasant. She had some choices but none were very good ones. House prices are far too high relative to incomes and that is causing so many problems for so many people. It's not just the disabled that are finding life hard.

I agree that house prices are out of control in London and other places too. I'd consider myself very fortunate if I could afford such a big mortgage and still with money left over after bills were paid.

rainingsnoring · 16/11/2025 13:15

LadyKenya · 16/11/2025 13:13

It is not a new tactic, it works though. Years ago, I remember that single Mothers were being demonised by the press, and blamed for a lot of Society's ills. It never changes, the useful scapegoat.

It works brilliantly. Bread and circuses are old!
We all need to wake up and realise that we are all being manipulated by the government, the media and financial sector because if serves their interests. I can't see that happening though. 😪

ObelixtheGaul · 16/11/2025 13:14

ChardonnaysBeastlyCat · 16/11/2025 10:32

Of course it will have an effect. A negative one.

She'll have less money because she'll be paying more tax.

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.

LadyKenya · 16/11/2025 13:13

BobblyBobbleHat · 16/11/2025 12:21

It shouldn't be like this. We shouldn't be against each other, in reality lots of people are struggling at the moment for different reasons. The only thing the last few governments seem to have been good at is pitching us against each other.

It is not a new tactic, it works though. Years ago, I remember that single Mothers were being demonised by the press, and blamed for a lot of Society's ills. It never changes, the useful scapegoat.

rainingsnoring · 16/11/2025 13:12

youalright · 16/11/2025 13:09

It depends what you see as a privileged. I think being able to get up in the morning and be able to wash and dress yourself without help a privilege. I also see not having to take fistfuls off pills to keep you alive even though they will make you feel worse a privilege. I see not having to use all your holiday from work for appointments a privilege. I see having a normal life expectancy a privilege. I see not being constantly in pain a privilege. These are all privileges that people take for granted until it happens to them.

That's all fair and I sympathise if that is your own situation but it doesn't mean that everyone else is having an easy time. You have every right to expect more empathy but you don't have a monopoly on it.

rainingsnoring · 16/11/2025 13:11

Kirbert2 · 16/11/2025 13:06

I'd maybe have more sympathy if OP didn't target disabled people who again, didn't make the choice to be disabled.

OP made things more difficult by buying such an expensive house. A choice.

There's a difference.

She shouldn't have attacked disabled people. That was unfair and ignorant and born of stress.
I think some people are going OTT in attacking her back and being pretty unpleasant. She had some choices but none were very good ones. House prices are far too high relative to incomes and that is causing so many problems for so many people. It's not just the disabled that are finding life hard.

Kirbert2 · 16/11/2025 13:11

BobblyBobbleHat · 16/11/2025 13:07

It's probably not expensive for where she lives and circumstances can change.

It was still a choice. A choice many of the people she would like to take money from don't have.

youalright · 16/11/2025 13:09

rainingsnoring · 16/11/2025 13:03

That's true but that does not mean that she is privileged. She's still struggling, just probably less so.
It's not a race to the bottom.
I agree that disabled people are often targeted very unfairly. See also poor people in general, ethnic minorities, even public sector workers.

It depends what you see as a privileged. I think being able to get up in the morning and be able to wash and dress yourself without help a privilege. I also see not having to take fistfuls off pills to keep you alive even though they will make you feel worse a privilege. I see not having to use all your holiday from work for appointments a privilege. I see having a normal life expectancy a privilege. I see not being constantly in pain a privilege. These are all privileges that people take for granted until it happens to them.

BobblyBobbleHat · 16/11/2025 13:07

Kirbert2 · 16/11/2025 13:06

I'd maybe have more sympathy if OP didn't target disabled people who again, didn't make the choice to be disabled.

OP made things more difficult by buying such an expensive house. A choice.

There's a difference.

It's probably not expensive for where she lives and circumstances can change.

rainingsnoring · 16/11/2025 13:07

youalright · 16/11/2025 12:27

Exactly this. Has anyone suggested she move into a house share yet or invite a complete stranger into her home to rent a room.

Hang on. Younger people are being told to stop eating avocado toast, move to cheaper areas and stop being so entitled all the time by older generations who were able to buy houses cheaply.

Kirbert2 · 16/11/2025 13:06

BobblyBobbleHat · 16/11/2025 13:04

Well, it's a little sad that you can't see that others too may be finding things difficult.

I'd maybe have more sympathy if OP didn't target disabled people who again, didn't make the choice to be disabled.

OP made things more difficult by buying such an expensive house. A choice.

There's a difference.

BobblyBobbleHat · 16/11/2025 13:04

Kirbert2 · 16/11/2025 13:02

I'm sorry but I just don't see someone who made the choice to purchase a half a million pound house which leaves them with £100-£200 left over after bills as struggling but just in a different way.

Especially when they then go on to attack disability benefits when it isn't a choice to be disabled like it is to purchase an expensive house.

Edited

Well, it's a little sad that you can't see that others too may be finding things difficult.

rainingsnoring · 16/11/2025 13:03

youalright · 16/11/2025 12:11

Lots of choices thats the difference between severely disabled people and able bodied people

That's true but that does not mean that she is privileged. She's still struggling, just probably less so.
It's not a race to the bottom.
I agree that disabled people are often targeted very unfairly. See also poor people in general, ethnic minorities, even public sector workers.

Plantatreetoday · 16/11/2025 13:02

TigerRag · 16/11/2025 12:50

My council makes those of us on UC pay a minimum of 20%. I've just transferred from income based ESA to UC and I'll have to pay more despite having the same level of income

Which I think is what most people will be experiencing come the budget
Same income…less take home

Kirbert2 · 16/11/2025 13:02

BobblyBobbleHat · 16/11/2025 12:21

It shouldn't be like this. We shouldn't be against each other, in reality lots of people are struggling at the moment for different reasons. The only thing the last few governments seem to have been good at is pitching us against each other.

I'm sorry but I just don't see someone who made the choice to purchase a half a million pound house which leaves them with £100-£200 left over after bills as struggling but just in a different way.

Especially when they then go on to attack disability benefits when it isn't a choice to be disabled like it is to purchase an expensive house.

youalright · 16/11/2025 13:02

TigerRag · 16/11/2025 12:50

My council makes those of us on UC pay a minimum of 20%. I've just transferred from income based ESA to UC and I'll have to pay more despite having the same level of income

You got lucky our council doesn't give any discounts for benefit claimants

TigerRag · 16/11/2025 12:50

youalright · 16/11/2025 12:42

20%? Im on benefits and pay 100% council tax

My council makes those of us on UC pay a minimum of 20%. I've just transferred from income based ESA to UC and I'll have to pay more despite having the same level of income

youalright · 16/11/2025 12:42

TigerRag · 16/11/2025 12:35

Some people on benefits also have to pay up to 20% council tax

20%? Im on benefits and pay 100% council tax

TigerRag · 16/11/2025 12:35

Bryonyberries · 16/11/2025 10:09

If you look at what the standard benefits are I don’t think they can cut it without people literally starving. It’s about £400 a month for a single person. I certainly couldn’t run a house on that and they only pay the LHA most rents are higher than that now so a lot of the time some rent has to come out of that £400.

Everyone has found a decline in how far their money stretches now but someone with a big house and a good job has much more wriggle room to make changes than someone at the bottom of the financial heap.

Some people on benefits also have to pay up to 20% council tax

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