Absolutely rinsed in this budget - almost £1k a year worse off.

I have a great deal of sympathy for you but that is not the taxpayers fault.

Someone has to pay for it as long as it’s not you?

If you'd read the thread, they haven't got kids in private school yet.

All the British people I know who have moved to Dubai or plan to- or even, like Dubai- are British south east Asians (usually Pakistani/ Bangladeshi rated than Indian)

I think they go there because it’s so much more comfortable for them rather than facing the racism and lack of opportunity in the uk

its a shame really. They contributed so much here

I have come across a fair few people in the UK who want to move to Dubai because there are "too many Muslim foreigners in London it's not England anymore" where do they think Dubai is apart from somewhere you go to from terminal 5 at Heathrow 🤔

Very few people are planning on moving abroad. Visas and languages aside, they’ll give up their salaried job here to get another one… where?!? Oh let me guess. The only answer to this is ever Dubai, good luck with that.

Try being a full time unpaid carer to a disabled child. Then you'll know what squeezed actually means.

No sympathy.

Do what I did and learn to budget better.

How do you know it will make any difference to the actual children? puts more money in their parents pocket, but no guarantee the children actually see any benefit.

If you are on the poverty line and can't support 2 children, perhaps don't have a 3rd...

How will those planning to move abroad cope with the language barrier? (Except those going ' home'). I'm thinking learning the language to be able to work in Sweden would be a massive issue for example?

The problem with the EV tax is that EVs often only make sense in the context of doing high mileage. In fact the recouperation of fuel costs is often one of the few things that makes the expensive purchase cost of the battery worth it.

Start hitting people who are doing high mileage with the extra tax (20000 miles =600 a year) then you are basically adding in another £6000 of costs over a 10 year lifespan which makes them even more unviable.

I am a bit pissed because I run a PHEV on relatively low mileage. Most of the mileage I use is on battery. I was hoping that because they could not discriminate between petrol and electric they would exempt PHEVs but the tax is still there just halved. I suppose the good news is my mileage is so low that it will not be a huge price anyway, but of course anything more is unwelcome.

I don't think this tax is sending the right message about the transition to EVs. They should have put more tax on petrol and on heavy cars like SUVs IMO to encourage/force the switch over.

They do have to make up the revenue loss from petrol/diesel, but to me that should be introduced further down the line while they continue to tax petrol/diesel off the roads.

I think she should pay all the tax due and stop complaining.

obviously not unreasonable and it’s rubbish you’re being hit at every angle. I’d probably get independent financial advice to see if there is any way to save.

@Woollyguru think you are lucky , I’ve looked at Sweden via umbrella ( self employed visas very hard to get even if you have been business a long while earning around £110k in total) the employer and employee contributions are way way more than UK , same in a fair old chunk of other places - we are not IR35 restricted, genuine freelancers.
if you have a right to be here though without needing sponsorship visas that umbrella companies can sort ( and charge a fair old whack ) then why go via umbrella company ? Or did the client insist on it? If you needed the visas then these arrangements are the cost of being here and yep they can work but you can’t get round things the way others can by self employment/kits companies/ dividends etc -Are you / a ltd company you might have paying the umbrella bill out of interest , or is the client (s) paying that you work for ? The fact is the Uk can’t afford for people to be coming in , whacking away large money in pensions and getting tax relief on it without paying NI on it - personally I would get rid of such schemes, they are tax avoidance under a cosy name and only available to people with an awful lot of spare cash floating around month to month - if you want low tax but hammered on goods and services instead then maybe somewhere like Dubai, Switzerland or even the states will be more your way of doing things -

thong is with Sweden when I looked at it I can see why a family especially with young kids would factor all this in and go for it , lovely big rental homes in great condition are much much cheaper often looking into lakes, woods, good public transport in many semi rural areas and childcare very much cheaper . UK , I struggle to see why those not British might come these days, it’s not low tax when you factor in NI and council tax , services are pretty poor in many areas unless you go private and wages are middling at best unless in a really high earning sector like banking or legal and unless buying a lot of rented housing is crap - even at highish levels - I don’t blame the current gvt at all, I blame the 14 years that lead up to this- However Brexit made sure of one thing, it trapped a lot of middle earners here who might otherwise have thought ‘sod this’

If the job was inside IR35 he wouldn’t have been able to do this, but weird he’s worked inside IR35 for so long without just getting a permanent employed role if it was that bad

Agreed. How greedy, robotic and uninspired are these people?! How awful to have a country of diligent tax payers sneering at the less valuable and neglecting risk, entrepreneurship and creativity in favour of PAYE and nastiness?!

I seriously hope this post isn't genuine as it is just offensive to most people. Whilst I understand that everyone at all levels is feeling some form of squeeze except maybe the top 2%, to complain so much when you have a tax band F house, your kids go to private school and you can even afford an EV car is just ridiculous. You have a higher household income than 90% of the country. You may not be rich but you are absolutely NOT classic middle earners. Classic middle earners are on about half of what you are on at best.

Feel free to whine about having less money within your own walls but don't go whining online expecting any sympathy

Agreed. How greedy, robotic and uninspired are these people?! How awful to have a country of diligent tax payers sneering at the less valuable and neglecting risk, entrepreneurship and creativity in favour of PAYE and nastiness?!

How does he pay employers NIC as the employee?

Because he’s not an employee, he’s self employed and channels his pay through an umbrella company. Basically he’s got the worst of all possible worlds which he could easily have avoided by setting up a limited company and channelling his gross pay through it. He’s nobody but himself to blame.

OP our household income id the same as yours and we would barely notice less than a hundred quid less a month. Maybe you need to cut your cloth a bit.

I am finding Mumsnet increasingly depressing. I genuinely believe that most people are actually good, then I come across a thread like this with so many posters completely lacking in empathy or understanding. The poster complaining that her tax bill is more than some people’s salary was particularly bad-it’s saying the quiet part out loud in spades. I think I might just crawl under a rug and stay there.

My concern is there will be more of these children as more children now = more money. More children living shit lives than before.

😂😂 you clearly said you don’t understand it.

as I said, I am not only a chartered accountant but have been on both sides as contractor and client and worked for umbrella companies myself. As the poster above said, it doesn’t add up. Not least, why the impact is apparently over £1k a month for him.

It’s not exactly it because we all know what an Umbrella company is and still cant understand your claim that it’s an extra £15k a year.

although he’s done bloody well to have been getting salary sacrifice as a self employed person maybe he should pat himself on the back as a the reward of all the effort he’s been putting into tax avoidance over the years - because salary sacrifice through an umbrella certainly wasn’t easy to arrange.

Sure, yes, but employee’s NIC over the threshold is only 2% so impact is minimal.

If somehow you are talking about salary sacrifice and him paying employers NIC then I think it’s a tax dodge going on.

I worked in-house at a large corporate and put one of these schemes in place (15 years ago!!). The NI saving is mostly for the employer (ie the company). Some employers have shared this benefit.

I can't be bothered to argue the toss with you. You clearly have no understanding of IR35 and working for umbrella companies.