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

740 replies

Mushroo · 26/11/2025 13:43

Honestly in despair at this government. On a very high level calc, we are so much worse off!

We both pay a lot into pensions, so the NI change is about £700 a year worse off.

We have an EV car, so based on our 4k a year mileage, it’s about £120 a year. (Although how it will be enforced I have no idea).

Stagnating tax thresholds, probably about £100 a year between us.

Council tax F house (4 bed end terrace, not a mansion, needs renovating). So risk of revaluation after having paid a fortune in stamp duty. We didn’t get first time buyer stamp duty relief because we bought about 2 years too early, and we moved before Covid so no relief there either. So overall we’ve paid about £30k in stamp duty already over our lifetime.

Weve already had the private school hit (which is a separate debate and we’ve accepted that) but wow, we are just being kicked on all sides.

We are classic ‘middle earners’ - earn about £70k each, but have mahoosive mortgage and pay over £2k a month in nursery fees already.

Every measure just seems to have a negative effect on our lifestyle, which is ‘comfortable’ but increasingly squeezed.

OP posts:
Thread gallery
5
Slothisavirtue · 26/11/2025 19:36

Anyahyacinth · 26/11/2025 19:00

Moving on from the dehumanising of disabled people must be nice, does it leave a slime trail? Caring for others is basic decency and morality and not far left

Plenty of disabled people work full time and dont get any benefits and have to see their taxes spent on winter fuel allowance for wealthy pensioners and for Chantelle to pop out half a dozen children while working 16 hours a week

HPFA · 26/11/2025 19:35

Doggielovecharlotte · 26/11/2025 18:59

She said their going private

and sees herself as middle earner on 70k 😂😂

delusions

I'm always genuinely puzzled by the way private school parents forget that the vast majority of us have kids in the state system.

There always seems to be this search for sympathy and understanding why their kids should have something that ours don't.

EasternStandard · 26/11/2025 19:12

HoskinsChoice · 26/11/2025 19:04

This ⬆️

And also 🎣

For throwing in private school fees. 7/10

Labour should ask for more from these willing posters.

HoskinsChoice · 26/11/2025 19:04

frozengrapes1 · 26/11/2025 13:50

🎻

This ⬆️

And also 🎣

For throwing in private school fees. 7/10

Anyahyacinth · 26/11/2025 19:00

GentleOlive · 26/11/2025 14:51

Sorry, but equating every opinion that doesn’t align with your far left views with nazism has had it’s day. People have moved on.

Moving on from the dehumanising of disabled people must be nice, does it leave a slime trail? Caring for others is basic decency and morality and not far left

Doggielovecharlotte · 26/11/2025 18:59

HPFA · 26/11/2025 18:43

If I understood the OP the kids aren't at private school currently - it was a possibility for the future.

So no harm done at all -the children will just go to the same schools as 93% of their fellow citizens.

She said their going private

and sees herself as middle earner on 70k 😂😂

delusions

HPFA · 26/11/2025 18:43

Thankyourose · 26/11/2025 17:33

well, obviously. However children change schools for all kinds of reasons and make new friends and relationships and if OP is really going to be struggling because of that extra possible £1k less well off… ditching the £15/20/25k a year private school fees is an obvious saving…

If I understood the OP the kids aren't at private school currently - it was a possibility for the future.

So no harm done at all -the children will just go to the same schools as 93% of their fellow citizens.

Crikeyalmighty · 26/11/2025 18:28

Interesting isn’t it - I can bet your bottom dollar if Farage was in and cutting various benefits then plenty of thise criticising Benefits as they are , would be the first ones to object if it was any benefit ‘they’ personally got or might need in the future- I personally think we do need to get a grip on piss takers but they come in all guises, from the mum I know who won’t do more than 10 hours a week as it affects her benefits and yet gets a substantial amount of monthly child maintanance to the couple I know in their 70s who sold up , rented , banked over £400k in cash and yet claimed as if they had no money - this kind of stuff is rife and has been for years - and makes many feel resentful towards those in genuine need

Bellsbeachwaves · 26/11/2025 18:02

Addictforanex · 26/11/2025 16:58

Dumb question maybe, but how does this save money?

I have a relative who got a brand new car on disability- he said it was a £50k car - it’s a ford but I’ve been in it and it looked and felt like a Tesla inside, very high tech. He also told me that he could have paid extra for a Merc or Lexus etc but chose not to. Put aside my feeling for a moment that he didn’t need a brand new £50k car, there’s no adaptation to it etc, it’s just a free car, snazzier than my 4 year old car that I bought outright with my post tax income. What money will it save the tax payer if the contributions to the luxury cars were made personally by the claimant? I would rather they said they were tightening the scheme much further - I read a stat that 20% of all new cars sold in the UK are through the mobility scheme - wtaf?? My relative is only disabled btw because he drank himself to end stage liver disease. You can understand why net contributing tax payers get vexed by stuff like this.

It's a fair point. I think currently there are VAT tax breaks or something on the extra that your friend will have paid. Also the fees are subsidised anyway? So that's maybe a saving? Also I guess it's a principle thing. As you say, why should some buy an old car outright but if you're on the motobility you get an expensive car.

Benjithedog · 26/11/2025 17:50

Allisnotlost1 · 26/11/2025 17:46

I’m not insulting you because I disagree, I think what you’ve said is ridiculous. I’m not convinced you are posting in good faith because you say such outlandish things and argue and misquote.

Charities are not exclusively funded by individuals who want to see their donation go to people in need. Not all charities work with individuals, or even people at all. It’s baffling to try to insult someone because they are paid for working for a charity.

You are being insulting because you called me a troll which I am not. It’s interesting what your idea of being insulting is. Just because you say you’re not doesn’t mean you aren’t doing it. And I haven’t misquoted you at all. You said those things, I didn’t.

CurlewKate · 26/11/2025 17:50

Winter2020 · 26/11/2025 17:45

I'm no longer donating to food projects. Seeing too many people I know using these whose finances are fine/have holidays abroad etc. I'm not donating to give to people who are richer than me. People saying food shares are for everyone. I doubt the supermarkets giving the stuff want it given to people that could easily just buy the food in their shop if they weren't given it.

You are confusing the purposes of community pantries and food banks. People who use food banks do not take foreign holidays. So you’re safe donating to food banks.

Allisnotlost1 · 26/11/2025 17:46

Benjithedog · 26/11/2025 17:31

Don’t be so ridiculous. It’s true what I’ve said. Charity donations have dropped but such a substantial amount that they are going to the wall. Most people when they make a donation they want it to go the people in need. It is fascinating to me that people who don’t agree with opinions move straight to insults.

I’m not insulting you because I disagree, I think what you’ve said is ridiculous. I’m not convinced you are posting in good faith because you say such outlandish things and argue and misquote.

Charities are not exclusively funded by individuals who want to see their donation go to people in need. Not all charities work with individuals, or even people at all. It’s baffling to try to insult someone because they are paid for working for a charity.

Winter2020 · 26/11/2025 17:45

Benjithedog · 26/11/2025 17:31

Don’t be so ridiculous. It’s true what I’ve said. Charity donations have dropped but such a substantial amount that they are going to the wall. Most people when they make a donation they want it to go the people in need. It is fascinating to me that people who don’t agree with opinions move straight to insults.

I'm no longer donating to food projects. Seeing too many people I know using these whose finances are fine/have holidays abroad etc. I'm not donating to give to people who are richer than me. People saying food shares are for everyone. I doubt the supermarkets giving the stuff want it given to people that could easily just buy the food in their shop if they weren't given it.

Slothisavirtue · 26/11/2025 17:33

Winter2020 · 26/11/2025 17:28

I think this is disingenuous. Some of these tax rises are to enable families on benefits to comfortably afford to have as many kids as they like while families not on benefits (including people on over 100k household income) have to consider how many kids they can afford when planning their families.

Exactly. I don't see why I should work through disability to fund someone else to pop out endless babies

Thankyourose · 26/11/2025 17:33

RashidSanook · 26/11/2025 16:28

They probably have friends and maybe even relationships they've built in that school.

well, obviously. However children change schools for all kinds of reasons and make new friends and relationships and if OP is really going to be struggling because of that extra possible £1k less well off… ditching the £15/20/25k a year private school fees is an obvious saving…

Benjithedog · 26/11/2025 17:31

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

Don’t be so ridiculous. It’s true what I’ve said. Charity donations have dropped but such a substantial amount that they are going to the wall. Most people when they make a donation they want it to go the people in need. It is fascinating to me that people who don’t agree with opinions move straight to insults.

Clockworkbananas · 26/11/2025 17:29

I think the proof will be in whether or not the extra money raised from these rises actually results in any improvement to healthcare or reductions in child poverty.

Winter2020 · 26/11/2025 17:28

Happyjoe · 26/11/2025 14:49

Everyone wants not to pay tax. But they want a functioning NHS, potholes filled, good schools, NHS dentistry, good councils, streets kept clean, free childcare... and in the case of the OP, she wants to keep the household income of £140k all to themselves.

Make the complaining about tax make sense?

I think this is disingenuous. Some of these tax rises are to enable families on benefits to comfortably afford to have as many kids as they like while families not on benefits (including people on over 100k household income) have to consider how many kids they can afford when planning their families.

Gilead · 26/11/2025 17:12

There was already a rape clause for those people It existed but was rarely implemented,

Allisnotlost1 · 26/11/2025 17:05

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

Addictforanex · 26/11/2025 16:58

Bellsbeachwaves · 26/11/2025 16:45

She's changed the motobility thing

Dumb question maybe, but how does this save money?

I have a relative who got a brand new car on disability- he said it was a £50k car - it’s a ford but I’ve been in it and it looked and felt like a Tesla inside, very high tech. He also told me that he could have paid extra for a Merc or Lexus etc but chose not to. Put aside my feeling for a moment that he didn’t need a brand new £50k car, there’s no adaptation to it etc, it’s just a free car, snazzier than my 4 year old car that I bought outright with my post tax income. What money will it save the tax payer if the contributions to the luxury cars were made personally by the claimant? I would rather they said they were tightening the scheme much further - I read a stat that 20% of all new cars sold in the UK are through the mobility scheme - wtaf?? My relative is only disabled btw because he drank himself to end stage liver disease. You can understand why net contributing tax payers get vexed by stuff like this.

Fullofmag · 26/11/2025 16:53

This reply has been deleted

This has been deleted by MNHQ for breaking our Talk Guidelines.

EvangelicalAboutButteredToast · 26/11/2025 16:49

MasterBeth · 26/11/2025 15:45

I don't believe you. I bet your lifestyle allows you access to many things that others would consider luxuries.

Ask me

Bellsbeachwaves · 26/11/2025 16:45

Woollyguru · 26/11/2025 15:05

I know of someone with 7 children and a motobility BMW.

She's changed the motobility thing

EmmaOvary · 26/11/2025 16:44

Benjithedog · 26/11/2025 16:43

I think Admiral nurses should be funded out of the NHS for all that they do. They do a fantastic job as they are actually directly offering hands on help to those who need it so the help is still going where it should. I donate to them as well because of this reason.

Edited

The NHS that is funded by checks notes taxation?