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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To want the Government to do more about the Cost of Living crisis?

254 replies

user365241987 · 18/04/2026 16:26

I just cannot see what the Government is doing to support the insane rise in CoL. Our income is higher than it has ever beautiful we just scrape by every month. It's so depressing. Don't qualify for any benefits. So tired of it. I have written to my MP. I can't understand why they don't increase the lowest tax threshold as that would at least help everyone at the lower end. I don't see any improvement ahead.

OP posts:
UniquePinkSwan · 18/04/2026 18:16

I live in a deprived area and I really don’t see a cost of living crisis around here. Everywhere is rammed at the weekend

SomedayIllBeSaturdayNight · 18/04/2026 18:15

Not required to seek work in UC terms means people who:
Have been assessed as having limited capability for work and work-related activity (LCWRA) because of a serious illness or disability.
Are the main carer of a child under 1 year old.
Are pregnant and due to give birth within 11 weeks.
Are caring full-time for a severely disabled person and receive, or are entitled to, Carer’s Allowance or the carer element of Universal Credit.
Are in full-time education in certain circumstances, for example some students with children or disabilities, or under-21s without parental support.
Are over State Pension age but still part of a Universal Credit couple claim.

Pickledonion1999 · 18/04/2026 18:13

caringcarer · 18/04/2026 18:08

Not all pensioners can claim a full state pension. Also older pensioners are on the old state pension and get a lot less than £12.5k.

And many older ones get way more. My 88 year old dad gets significantly more due to ? Serps.
Many on less than new state pension will likely be topped up by pension credit unless they also have significant savings. this will mean all rent paid, council tax paid, dental costs paid etc also. The ones qualifying for pension credit can end up way better off than those just on new state pension.

Statsquestion1 · 18/04/2026 18:13

DdraigGoch · 18/04/2026 18:04

The UK has much higher council tax bills than the Irish one quoted. The biggest expense UK councils have is social care. Are Irish councils on the hook for this or is the central funding available?

So there’s property tax brackets and then different councils have an added percentage on top. Mine is 428 plus a 15% county charge on top.
local property tax pays for
local roads and street maintenance
public lighting
parks and playgrounds
libraries
fire and emergency services
housing and community services
street cleaning / environmental services
local amenities and infrastructure

We pay for our own waste/recycling- I pay a company 25 per month.

Social care services are funded through Income tax, VAT, corporation tax and other state revenues fund.

lovealieinortwo · 18/04/2026 18:10

@caringcarer but they still won’t have paid enough tax will they?

2dogsandabudgie · 18/04/2026 18:10

The problem is that if the Government bail us out we still end up paying in the long run with increased taxes anyway. Aren't we still paying for all the people furloughed during covid?

OttersOnAPlane · 18/04/2026 18:09

The Tories took us to Brexit, harming the economy, Boris chucked money around at nonsense projects, Truss fucked the economy beyond recognition and we're absolutely skint with city councils going bankrupt.

Yes, it would be great if the government could do more to help, but practically speaking, the options are few.

Okitsnotokboomer · 18/04/2026 18:09

lovealieinortwo · 18/04/2026 18:03

They need to remove the cliff edges, it stops me from working more.

Yes to this, it will increase productivity.

caringcarer · 18/04/2026 18:08

lovealieinortwo · 18/04/2026 17:52

Here we go again, bashing pensioners. I own a modest semi, bought with hard work. I live on my state pension (earned through work) and part of my late husband's private pension (earned through work).

But it’s not hard work alone, income vs salary made buying more achievable in the past, plus rents were not so high, more council housing. Housing is considerably harder these days.

Again an average earner on 35k will pay 6.5k tax a year but the state pension is 12.5k a year, ands that before costs for education & healthcare.

The system works when you have lots of workers to pensioners but we don’t have that now.

Not all pensioners can claim a full state pension. Also older pensioners are on the old state pension and get a lot less than £12.5k.

Okitsnotokboomer · 18/04/2026 18:08

SomedayIllBeSaturdayNight · 18/04/2026 18:03

I think they should keep taxes and benefits as they are, possibly even reduce taxes. This would be paid for by taking a person's whole estate when they die into the treasury. This would raise a ton of money for the country, stop a small number of wealthy families hoarding wealth for generations, set a level playing field, incentivise work for all, and mean that public services could be well funded. Winner winner!

Can we please include the royals in this.

Chocaholick · 18/04/2026 18:08

SomedayIllBeSaturdayNight · 18/04/2026 18:06

50% of people on UC are not required to seek work, meaning that the government have assessed them as being unable to work at all.

That’s a scandal in itself.

DdraigGoch · 18/04/2026 18:08

Indianajet · 18/04/2026 17:57

Okay, answer my question- how can I shoulder your problems?

By not taking yet another above-inflation rise in the state pension and by not complaining about the decision to means test the WFA.

Oh, and by paying NI like anyone of working age with the same income as you would have to.

Unpaidviewer · 18/04/2026 18:07

What do you want them to do and who is going to pay for it? You say you don't qualify for any benefits so do you not think you'll be paying rather than receiving if there is any help?

SomedayIllBeSaturdayNight · 18/04/2026 18:06

Chocaholick · 18/04/2026 18:02

The majority of people claiming UC do. not. work

50% of people on UC are not required to seek work, meaning that the government have assessed them as being unable to work at all.

caringcarer · 18/04/2026 18:05

Pickledonion1999 · 18/04/2026 17:44

I imagine you do pretty well out of the benefits system with your 13 buy to let properties that you rent out though? Or are none of your tenants claiming UC or housing benefit?

Edited

I have 12 btl houses not 13. The other one is a holiday home and as of yet had not been rented out. None of my tenants claim UC or housing benefit that I am aware of . I try to let to families who pass credit checks and income affordability checks where both in a couple work. I get to see their occupations when I vet tenants prior to moving in.

DdraigGoch · 18/04/2026 18:04

Statsquestion1 · 18/04/2026 17:56

Tax revenue mainly and dept budgets. In what way do you mean?

The UK has much higher council tax bills than the Irish one quoted. The biggest expense UK councils have is social care. Are Irish councils on the hook for this or is the central funding available?

SomedayIllBeSaturdayNight · 18/04/2026 18:03

I think they should keep taxes and benefits as they are, possibly even reduce taxes. This would be paid for by taking a person's whole estate when they die into the treasury. This would raise a ton of money for the country, stop a small number of wealthy families hoarding wealth for generations, set a level playing field, incentivise work for all, and mean that public services could be well funded. Winner winner!

lovealieinortwo · 18/04/2026 18:03

They need to remove the cliff edges, it stops me from working more.

Chocaholick · 18/04/2026 18:02

Cantgetausername87 · 18/04/2026 17:54

I love a good benefit bashing thread. A lot of people claiming UC do work and do pay their taxes.
Can anyone see how the COL crisis has further divided the country? Lots of things have impacted this, COVID, Brexit and then Trump starting a war one day because he wanted to!
I do believe there's more the government could do to increase productivity and help ease taxation on lower and middle incomes. But I'm more concerned about the impact the scapegoating has on us as a society and people turning to places like reform for the answer. Don't have to look too far back in history to where we've heard this one before...

The majority of people claiming UC do. not. work

lovealieinortwo · 18/04/2026 18:02

I think it's not acceptable here as in other countries the amount taken is a fraction of what we pay in council tax in the UK. A lot of it paying for social care.

I think it’s because of our distorted housing market and because so much of that wealth is in the hands of the older generations.
People need to accept that should have to pay for their social care.

Chocaholick · 18/04/2026 18:02

Ilikewinter · 18/04/2026 16:31

There will be help coming - means tested so it will be for those already in receipt of benefits. The rest of us who are just managing to keep our heads above water but who can't take much more will have to fend for ourselves - as usual.

This.
There will be no inflation linked salary increases.
There will be no one off payments.
There will be nobody to step in if you can’t afford your mortgage.
There will be no discounts.

Nobody is coming. You’re a working responsible adult.

God speed.

Dexterrr · 18/04/2026 18:00

lovealieinortwo · 18/04/2026 17:34

They do it in many countries but for some reason it’s not acceptable here

I think it's not acceptable here as in other countries the amount taken is a fraction of what we pay in council tax in the UK. A lot of it paying for social care.

Indianajet · 18/04/2026 17:57

Flossette · 18/04/2026 17:52

Just stating facts. Sorry if you don’t like them.

Okay, answer my question- how can I shoulder your problems?

lovealieinortwo · 18/04/2026 17:57

There is far too much money tied up in housing, successive governments have caused so many issues making ever increasing house prices a key part of our economy.

As a result it’s too hard to increase taxes on lower & middle earners because so much of that income is tied to housing costs.

We already tax higher earners a lot.

There really isn’t much wriggle room left and despite everyone thinking it’s so easy to get the economy growing again the Tories couldn’t achieve it and labour wont either.

mindfulmoaning · 18/04/2026 17:57

They should cut benefits and help people like OP who are working h for a living. Honestly we can’t afford to support all these people who don’t work anymore