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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

To think we shouldn’t have to contribute to soch if we don’t intend to use it?

737 replies

slozenger · 27/01/2026 22:03

For example, I don’t want a state pension - so I should surely be able to opt out of soch based contributions percentage. And just pay a lesser amount to cover anything I do take advantage of.

OP posts:
Original poster
slozenger · 27/01/2026 23:32

dontmalbeconme · 27/01/2026 23:31

Soch person = pench person =£2K per week person.

Says it all...

Incorrect

OP posts:
Original poster
slozenger · 27/01/2026 23:32

McSpoot · 27/01/2026 23:31

Which is it - you’re the first person to use it or it was the term used in that past?

Show quote history

I used it first on here.

OP posts:
McSpoot · 27/01/2026 23:31

slozenger · 27/01/2026 22:30

Well I think you’ll find I know how to spell it the MOST as I’m the one who used the word first. I’ve spelt it both ways for those who struggle with comprehension.

Show quote history

Which is it - you’re the first person to use it or it was the term used in that past?

dontmalbeconme · 27/01/2026 23:31

Soch person = pench person =£2K per week person.

Says it all...

Original poster
slozenger · 27/01/2026 23:30

TunnocksOrDeath · 27/01/2026 23:29

My dead granny never had to call the fire brigade.
Can I get a rebate on her income tax as a deductible on her estate's Inheritance Tax calculation please?

You’ve had enough freebies now you inheritance ghoule

OP posts:
Original poster
slozenger · 27/01/2026 23:29

Flangle · 27/01/2026 23:28

Got to page 2 and don’t think I’ve ever had such a strong dislike for a poster.

SOCH OFF

Pure nastiness.

OP posts:
TunnocksOrDeath · 27/01/2026 23:29

My dead granny never had to call the fire brigade.
Can I get a rebate on her income tax as a deductible on her estate's Inheritance Tax calculation please?

Flangle · 27/01/2026 23:28

Got to page 2 and don’t think I’ve ever had such a strong dislike for a poster.

SOCH OFF

Dollymylove · 27/01/2026 23:28

Some real batshit posts on here tonight. We have the pearl clutches dissecting the lyrics of songs that are very popular, PPa declaring they dont want to pay for things they think they will never need.
Demands for Americans to change their language because someone is offended .
Ye Gods and Little fishes as my mother used to say (and no, I dont have a clue what it means) 😅😅

Schoolchoicesucks · 27/01/2026 23:28

So you're 4 years from retirement and don't want to claim your state pension. You've started this thread but I haven't seen you explain why you don't want to claim it. You know you could claim it and donate it to charity of choice, or donate it back to the state. You also don't pay standard NI on earnings once you're over state pension age. So there you go, you're getting a discount on your soch then. Happy?

Grammarnut · 27/01/2026 23:28

SouthernNights59 · 27/01/2026 22:42

Exactly this. I am the same, in addition I don't have children and I've never had any hospital treatment (I'm 66) however I don't think I'm entitled to receive a refund for services not used. We all should contribute to society without thought to what we get out of it.

YABVVVVVVVVVVVVU OP, and if this is how you wish to live then go find that island.

Show quote history

But you have used the health service. You benefit, for example, from having diseases that you might catch and die of being cured and prevented by the NHS. You benefit from the vaccination programme used in this country which confers herd immunity as long as 95% of people are vaccinated. You benefit from a healthy work force. You benefit from the fact that your wages are not partly sequestered by your employer to pay into private health insurance that you will lose if you change jobs, which means you are able to be paid a higher wage.

Original poster
slozenger · 27/01/2026 23:27

UserFront242 · 27/01/2026 23:26

YABU you pay your tax and NI to the government. After that, you have no say in where it goes, and rightly so because half the people on here would see no money go to the disabled whatsoever.
You are not "saving" into a pension via NI. It goes to people who are pensioners now.
I don't have kids, and never want any. I see my tax payments as paying for my own education I had as a kid.

I would always see the money go to
the disabled!!! I said a percentage just that wouldn’t be used as I cost less to run.

But I would never have disabled people or children go without!!! Ever

I swear down

OP posts:
Fullmoan · 27/01/2026 23:26

Boudy · 27/01/2026 23:24

I am still wondering if you are being serious op

The use of " soch" is a hefty clue Wink

UserFront242 · 27/01/2026 23:26

YABU you pay your tax and NI to the government. After that, you have no say in where it goes, and rightly so because half the people on here would see no money go to the disabled whatsoever.
You are not "saving" into a pension via NI. It goes to people who are pensioners now.
I don't have kids, and never want any. I see my tax payments as paying for my own education I had as a kid.

OnYerselfHen · 27/01/2026 23:26

Ha! I quoted myself 🙈 I mean to quote your response to me, @slozenger

OnYerselfHen · 27/01/2026 23:24

OnYerselfHen · 27/01/2026 23:18

OP, what happens if you get hit by a car? Or have a nasty accident at work and have a head injury and/or are bleeding heavily? It's those kinds of moments where you would have to attend the emergency department of the hospital, which private hospitals do not have.

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What about heart attack? Stoke? Brain aneurysm? Acute angle glaucoma? UTI that becomes septic? There is a myriad of reasons a person has to attend a&e. You could trip on the cord of your dressing gown and fall down stairs, breaking your neck. Has happened to an old neighbour of mine. Shit happens.

Boudy · 27/01/2026 23:24

I am still wondering if you are being serious op

Grammarnut · 27/01/2026 23:24

ByQuaintAzureWasp · 27/01/2026 22:21

Why have I just paid three grand to uplift my state pension?

Edited
Show quote history

That's to improve your contribution record, it doesn't go into a pot for you, just sets the amount of pension you will get - that's assuming state pensions are a thing in the future - neo-liberal capitalism doesn't like money spent on welfare that would be better as profits for a billionaire.

honeylulu · 27/01/2026 23:23

Beekman · 27/01/2026 23:21

What if you have a heart attack or stroke? Or get run over by a bus. What about when your fancy private healthcare tells you they can’t do any more for you and advise you to get an NHS appointment to sort your health problem out?

This type of selfishness is awful, OP.

Yes. One wonders how OP will self treat a broken bone, heart attack, cancer or dementia. Perhaps it is advancing already ...

WinterBlues26 · 27/01/2026 23:23

BlackCatDiscoClub · 27/01/2026 23:17

Mygrans is the mature person's OnlyFans. And coincidentally, round my way we call the chippy the OnlyFins

Did Wayne Rooney start that? 🤔

Original poster
slozenger · 27/01/2026 23:22

honeylulu · 27/01/2026 23:21

Migrants? Or immigrants? There is a difference.

Both. I don’t like to see anyone mistreated or prejudice / I have been predicted on this thread

OP posts:
Original poster
slozenger · 27/01/2026 23:21

Mum292939 · 27/01/2026 23:21

posted in wrong thread

Edited

This is nothing to do with MY thread.

OP posts:
honeylulu · 27/01/2026 23:21

Migrants? Or immigrants? There is a difference.

Beekman · 27/01/2026 23:21

What if you have a heart attack or stroke? Or get run over by a bus. What about when your fancy private healthcare tells you they can’t do any more for you and advise you to get an NHS appointment to sort your health problem out?

This type of selfishness is awful, OP.

Mum292939 · 27/01/2026 23:21

posted in wrong thread