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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
Stardustnush · 28/11/2025 19:00

Chucklecheeks01 · 28/11/2025 11:48

I work within the criminal justice system, and yes you're right, it should afford me a basic standard of living.But little or no pay rises over the last 15 years along with the cost of living increase means I have less and less each year to fund myself and 2 DC on.

I am sorry your husband gave up. Hoping social services make him pay his dues.
You mentioned the "above average pension" which is one of the reasons you stayed in a lower paid job and having to rely on benefits? So it's ok to have a pension investment on that side of the fence, but not ppl in private sector should definitely pay more for the same ⚖️

jbm16 · 28/11/2025 18:26

Bambamhoohoo · 27/11/2025 13:26

It closed the loophole of self employed contractors setting up a limited company, paying themselves £10k a year salary and taking the rest as dividends at corporation tax rates rather than paying income tax.

I know what it is, my DH was a contractor for 20 years but recently took a permanent role as you just end up paying tax as employee without any of the benefits of being an employee. Even so in the umbrella scenario you are pay rolled in a fake way with them taking employers and employers tax and holiday pay by reducing the day rate to cover, he had the option of salary sacrifice.

NoKidsSendDogs · 28/11/2025 16:04

Spirallingdownwards · 28/11/2025 07:48

You think having more than a spare £12k net a year to save isn't. I guess you must be one of those MNetters who are high earning then and ignore the realities of what an average wage is before any living expenses are deducted.

Perhaps a survey of who has a spare £12k plus floating around each year should be done.

And what do you hope to accomplish with this survey? And yeah, sorry, 12k is not that much IMO, take from that what you will.

EasternStandard · 28/11/2025 15:44

jbm16 · 28/11/2025 15:33

That's just semantics, the tax people pay will increase and tax burden has gone up by £66bn since labour were elected.

Yep it’s not thin air no matter how they spin it.

jbm16 · 28/11/2025 15:33

Crikeyalmighty · 28/11/2025 12:11

You can’t answer , because there isn’t an answer. It’s not about calming down, it’s about putting stuff out there as if it’s fact, when it isn’t. I don’t disagree by the way with the fact the country has far too many piss takers, it has them too at a corporate level and has for many years , however I do disagree with posts trying to make it all about ‘awful terrible government and tax rises etc’ which when you actually look at it arent tax rises but closing loopholes or reducing allowances for people who can afford to save ‘a lot’ - whilst it’s advisable, these days you are indeed in a fortunate position if you can do that - I’m anti removing the 2 child cap as it happens but some things I feel are always done for political purpose, the Tory’s did lots.
there have been quite a few positive things too that rarely get a look in whilst people froth about benefit claimants that strangely they didn’t froth about under the Tory’s- clearly the media didn’t think it worth mentioning then -

That's just semantics, the tax people pay will increase and tax burden has gone up by £66bn since labour were elected.

Benjithedog · 28/11/2025 12:35

Crikeyalmighty · 28/11/2025 12:11

You can’t answer , because there isn’t an answer. It’s not about calming down, it’s about putting stuff out there as if it’s fact, when it isn’t. I don’t disagree by the way with the fact the country has far too many piss takers, it has them too at a corporate level and has for many years , however I do disagree with posts trying to make it all about ‘awful terrible government and tax rises etc’ which when you actually look at it arent tax rises but closing loopholes or reducing allowances for people who can afford to save ‘a lot’ - whilst it’s advisable, these days you are indeed in a fortunate position if you can do that - I’m anti removing the 2 child cap as it happens but some things I feel are always done for political purpose, the Tory’s did lots.
there have been quite a few positive things too that rarely get a look in whilst people froth about benefit claimants that strangely they didn’t froth about under the Tory’s- clearly the media didn’t think it worth mentioning then -

It’s already been answered

Crikeyalmighty · 28/11/2025 12:27

EasternStandard · 28/11/2025 12:24

There is an answer. It’s the £26bn in tax banding. Most of it anyway. That hits middle earners.

Edited

I don’t disagree - personally I would rather 2p on basic rate tax and a lifting by quite a bit of the middle band -

EasternStandard · 28/11/2025 12:24

Crikeyalmighty · 28/11/2025 12:11

You can’t answer , because there isn’t an answer. It’s not about calming down, it’s about putting stuff out there as if it’s fact, when it isn’t. I don’t disagree by the way with the fact the country has far too many piss takers, it has them too at a corporate level and has for many years , however I do disagree with posts trying to make it all about ‘awful terrible government and tax rises etc’ which when you actually look at it arent tax rises but closing loopholes or reducing allowances for people who can afford to save ‘a lot’ - whilst it’s advisable, these days you are indeed in a fortunate position if you can do that - I’m anti removing the 2 child cap as it happens but some things I feel are always done for political purpose, the Tory’s did lots.
there have been quite a few positive things too that rarely get a look in whilst people froth about benefit claimants that strangely they didn’t froth about under the Tory’s- clearly the media didn’t think it worth mentioning then -

There is an answer. It’s the £26bn in tax banding. Most of it anyway. That hits middle earners.

Crikeyalmighty · 28/11/2025 12:11

Benjithedog · 28/11/2025 08:08

Omg calm down. Whats interesting in these threads is that I’ve been perfectly polite to you but all you is be aggressive in your reply demanding answers. So no I’m not going to bother to answer you.

You can’t answer , because there isn’t an answer. It’s not about calming down, it’s about putting stuff out there as if it’s fact, when it isn’t. I don’t disagree by the way with the fact the country has far too many piss takers, it has them too at a corporate level and has for many years , however I do disagree with posts trying to make it all about ‘awful terrible government and tax rises etc’ which when you actually look at it arent tax rises but closing loopholes or reducing allowances for people who can afford to save ‘a lot’ - whilst it’s advisable, these days you are indeed in a fortunate position if you can do that - I’m anti removing the 2 child cap as it happens but some things I feel are always done for political purpose, the Tory’s did lots.
there have been quite a few positive things too that rarely get a look in whilst people froth about benefit claimants that strangely they didn’t froth about under the Tory’s- clearly the media didn’t think it worth mentioning then -

Benjithedog · 28/11/2025 12:03

Chucklecheeks01 · 28/11/2025 11:48

I work within the criminal justice system, and yes you're right, it should afford me a basic standard of living.But little or no pay rises over the last 15 years along with the cost of living increase means I have less and less each year to fund myself and 2 DC on.

And their dad? Does he pay towards your kids?

Chucklecheeks01 · 28/11/2025 11:48

RashidSanook · 28/11/2025 11:03

What do you do if you don't mind us asking? It seems mad the civil service doesn't pay enough to live off. I always assumed the starting pay was above minimum wage at least?

I work within the criminal justice system, and yes you're right, it should afford me a basic standard of living.But little or no pay rises over the last 15 years along with the cost of living increase means I have less and less each year to fund myself and 2 DC on.

BIossomtoes · 28/11/2025 11:32

RashidSanook · 28/11/2025 11:03

What do you do if you don't mind us asking? It seems mad the civil service doesn't pay enough to live off. I always assumed the starting pay was above minimum wage at least?

Average starting pay at the most junior scale is £23k. Not much above minimum wage.

RashidSanook · 28/11/2025 11:03

Chucklecheeks01 · 28/11/2025 10:33

People should be paid a living wage so they should not have to claim benefit's.

What do you do if you don't mind us asking? It seems mad the civil service doesn't pay enough to live off. I always assumed the starting pay was above minimum wage at least?

Benjithedog · 28/11/2025 10:35

Chucklecheeks01 · 28/11/2025 10:33

People should be paid a living wage so they should not have to claim benefit's.

You will ALWAYS get those who choose not to work full time as it affects their benefits

Chucklecheeks01 · 28/11/2025 10:33

Benjithedog · 28/11/2025 10:29

you should always earn more through working than claiming benefits

People should be paid a living wage so they should not have to claim benefit's.

Benjithedog · 28/11/2025 10:29

Chucklecheeks01 · 28/11/2025 10:21

Most benefit claimants work, doing vital jobs in society that you will utilise. I'm a civil servant who in practice doesn't even get a liveable wage. Its madness that i work for the government but they don't pay me enough to live on.

10 years ago I was married, working part time allowing my ExH to forge a better paid career. He then decided he did not want the responsibility of a family and kids with SEN and left. But I seem to be vilified for being the parent that stayed and having to claim UC.

If I leave to get a better paid job (I've tried trust me) someone else will replace me on the same low paid wage and claim UC. I will also lose an above average pension, so how is that good planning. I took this job for the long term benefits, maternity, pension etc.

People don't chose to be in poverty. There are so many nuances that you cant see until you find yourself fin that position. I will be about £10 worse off a month under this budget, I need that £10 but i understand taxes need to be paid.

I have a feeling I need that £10 more than the OP 'NEEDS' the extra money she will be paying in tax. I don't relish in the OP having to pay more.

There is no perfect solution, someone will always pay more, pay less, be advantaged or disadvantaged.

you should always earn more through working than claiming benefits

Chucklecheeks01 · 28/11/2025 10:21

Benjithedog · 28/11/2025 08:51

Well he should be working and providing for his child. No one should be better off on benefits rather than working.

Most benefit claimants work, doing vital jobs in society that you will utilise. I'm a civil servant who in practice doesn't even get a liveable wage. Its madness that i work for the government but they don't pay me enough to live on.

10 years ago I was married, working part time allowing my ExH to forge a better paid career. He then decided he did not want the responsibility of a family and kids with SEN and left. But I seem to be vilified for being the parent that stayed and having to claim UC.

If I leave to get a better paid job (I've tried trust me) someone else will replace me on the same low paid wage and claim UC. I will also lose an above average pension, so how is that good planning. I took this job for the long term benefits, maternity, pension etc.

People don't chose to be in poverty. There are so many nuances that you cant see until you find yourself fin that position. I will be about £10 worse off a month under this budget, I need that £10 but i understand taxes need to be paid.

I have a feeling I need that £10 more than the OP 'NEEDS' the extra money she will be paying in tax. I don't relish in the OP having to pay more.

There is no perfect solution, someone will always pay more, pay less, be advantaged or disadvantaged.

Chucklecheeks01 · 28/11/2025 10:03

jbm16 · 27/11/2025 12:07

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 do i know that your wage is seen by your children? are you more honest the more money you have?

Benjithedog · 28/11/2025 08:51

Moellen54 · 28/11/2025 08:50

Some people just dont have the same perception of income like the rest of us. Try being a pensioner whose additional pension that was supposed to be giving the safety net is now set to go almost completely on tax. Or the lower wage earner who cant afford to pay into a pension because he struggles to buy shoes his kids need. Who would be better off on benefits but has his pride. My heart does not bleed for you

Well he should be working and providing for his child. No one should be better off on benefits rather than working.

Moellen54 · 28/11/2025 08:50

Some people just dont have the same perception of income like the rest of us. Try being a pensioner whose additional pension that was supposed to be giving the safety net is now set to go almost completely on tax. Or the lower wage earner who cant afford to pay into a pension because he struggles to buy shoes his kids need. Who would be better off on benefits but has his pride. My heart does not bleed for you

EasternStandard · 28/11/2025 08:38

Benjithedog · 28/11/2025 08:08

Omg calm down. Whats interesting in these threads is that I’ve been perfectly polite to you but all you is be aggressive in your reply demanding answers. So no I’m not going to bother to answer you.

Fair. In answer to that question £26bn in taxes have been hiked in this budget after the last one which was a one off. Most of it from banding which means middle earners.

Benjithedog · 28/11/2025 08:08

Crikeyalmighty · 28/11/2025 00:49

Answer the question - what income tax rises were there? You can’t, because there were not any . Stop trolling hysteria - it’s very clear there is big money out there by the right wing creating the aggrieved agenda rather than actually reporting news and lots of people are gullible enough to be pulled into it too . People like to moan and to be honest I have very little sympathy with lots of them who voted for Brexit and have basically stuffed the country for around 4-6% of GDP , plus given a lot of our more interesting business to the EU on a plate-
I don’t agree with everything Labour do , I want us back in EU/EEA for business/trade reasons-I don’t agree with the 2 child cap being lifted , declaring my hand I vote Lib Dem but I analyse media a lot as part of my job and I know when posts are being created or posted on to create political agitation - you have posted about tax rises but there were none about things you have no choice in ie income tax- the only thing to me that is borderline is mansion tax and re evaluating houses and I’m not exactly in a tizz about that - we rent an F banded house, but nowhere near 2 million and as an end terrace admittedly in a nice area I’m pretty sure it won’t be band G - if it was then it’s cheaper to pay than move if I’m honest. Maybe people will vote differently but as the country has been stuffed by the right wing already in the last 14 years be careful what you wish for - I suspect once he can’t write policies on the back of a fag packet and they need to be funded and balanced he will be shown up for the utter bullshitting spiv he is and nothing will change at all - if the working class think he’s interested in them they are in for a shock , he’s interested in himself

Omg calm down. Whats interesting in these threads is that I’ve been perfectly polite to you but all you is be aggressive in your reply demanding answers. So no I’m not going to bother to answer you.

Spirallingdownwards · 28/11/2025 07:48

NoKidsSendDogs · 27/11/2025 16:58

It's really not.

You think having more than a spare £12k net a year to save isn't. I guess you must be one of those MNetters who are high earning then and ignore the realities of what an average wage is before any living expenses are deducted.

Perhaps a survey of who has a spare £12k plus floating around each year should be done.

EasternStandard · 28/11/2025 07:12

DurinsBane · 28/11/2025 02:43

Yes that was the promise! But I meant that Reeves plan when she actually did the budget was to make higher earners, like this poster, pay a bit more tax

It always is. Particularly earners in the op’s income bracket.

It’ll be a negative because more will opt out and behaviour will change. Reeves relying on taxing these people more every time isn’t going to work.

DurinsBane · 28/11/2025 02:43

EasternStandard · 27/11/2025 22:44

Why was it supposed to do that? It was meant to have no tax hikes after the last one.

Yes that was the promise! But I meant that Reeves plan when she actually did the budget was to make higher earners, like this poster, pay a bit more tax