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BIossomtoes · 27/05/2026 11:02

I give up. 🤦‍♀️

Badbadbunny · 27/05/2026 10:56

BIossomtoes · 27/05/2026 10:53

Nonetheless it’s an example of a small business successfully expanding. It’s irrelevant what its customer base is.

Yes, but that's ONE expanding when there've been literally hundreds and thousands closing down over the years, and very few left. One swallow doesn't make a Summer. As I said, for your ONE business, it's just been "lucky" to find a suitable, affordable location with high/affluent footfall that makes it work in that ONE instance. Basically the stars aligned in that isolated case.

Of course the customer base is relevant. It wouldn't survive with a different customer base who didn't have the money to buy quality/expensive bread and cakes.

BIossomtoes · 27/05/2026 10:53

Badbadbunny · 27/05/2026 10:46

Nail on the head when you mention Waitrose, which will only be frequented by people with money. So they'll also spend money on "quality" cakes and bread. It's the demographics of the people who shop at Waitrose.

That shop wouldn't work next to an Aldi or Morrisons or Tesco or Lidl or Asda.

It "may" work next to a M&S.

There won't be many available/suitable/affordable shop units next to a very limited number of Waitrose supermarkets.

Nonetheless it’s an example of a small business successfully expanding. It’s irrelevant what its customer base is.

Badbadbunny · 27/05/2026 10:46

BIossomtoes · 26/05/2026 18:08

It’s interesting because there’s a small family bakery about 30 miles north of us that produces amazing bread and cake, we actually used to go specially to buy their wares for special occasions. Suddenly they opened a shop in our nearest town a couple of years ago which is pretty much sold out by lunch time most days, despite it being far from cheap. Clever placement - it’s bang next door to Waitrose.

It must be possible for businesses to expand despite all the handicaps. All their products travel down the A1 every day too.

Nail on the head when you mention Waitrose, which will only be frequented by people with money. So they'll also spend money on "quality" cakes and bread. It's the demographics of the people who shop at Waitrose.

That shop wouldn't work next to an Aldi or Morrisons or Tesco or Lidl or Asda.

It "may" work next to a M&S.

There won't be many available/suitable/affordable shop units next to a very limited number of Waitrose supermarkets.

Badbadbunny · 27/05/2026 10:43

Papyrophile · 26/05/2026 21:11

Precisely because we own a small business, we look for other small businesses to support. I do resort to Amazon, and not infrequently, but I try very hard to buy what I want locally with locally owned businesses wherever I can, even when it's a bit more expensive. Usually only a few pennies, but yes, once upon a time, I watched the pennies eagle-eyed too. Apologies, I am being boring.

Likewise, but unfortunately there's a stampede of people who prefer online or the chains/supermarkets.

Our village (relatively large) used to have independently/locally owned newsagent, butcher, Spar shop and post office. A huge Co-Op was built and inevitably the locals chose to use it instead meaning all those shops are now closed.

All we have left is a little pie/sandwich shop which is kept open by tradesmen and van drivers buying their pies and bacon butties in the morning. It used to be a "proper" small bakery that served everyone for bread, scones, cakes, etc open all day Mon-Sat., but it closed down and new people bought it and converted it into a pie/bacon bun shop instead, which is clearly a completely different market and it's now open only mornings Mon-Fri. It only works because there's plentiful free and easy parking so easy for vans/lorries to park.

Small independents are fighting a losing battle sadly. Yes, there is a market for some, but things have changed a lot and you need the right products, right location, etc to actually hit on something that can work.

Papyrophile · 26/05/2026 21:11

Precisely because we own a small business, we look for other small businesses to support. I do resort to Amazon, and not infrequently, but I try very hard to buy what I want locally with locally owned businesses wherever I can, even when it's a bit more expensive. Usually only a few pennies, but yes, once upon a time, I watched the pennies eagle-eyed too. Apologies, I am being boring.

Papyrophile · 26/05/2026 20:48

BIossomtoes · 26/05/2026 18:08

It’s interesting because there’s a small family bakery about 30 miles north of us that produces amazing bread and cake, we actually used to go specially to buy their wares for special occasions. Suddenly they opened a shop in our nearest town a couple of years ago which is pretty much sold out by lunch time most days, despite it being far from cheap. Clever placement - it’s bang next door to Waitrose.

It must be possible for businesses to expand despite all the handicaps. All their products travel down the A1 every day too.

There are consumers ready to spend the money. Probably boomers. But they want the quality and have the cash. People like me, frankly.

Papyrophile · 26/05/2026 20:20

How do we bring one town up in the world? It has some lovely architecture, and it's beautifully located between Bodmin Moor and Dartmoor. In fact, the big thing the town has going for it is that it is possibly going to be the epicentre of a very rich rare earth mineral deep rock mining centre. Lithium, wulfram and other minerals I can't spell.

Papyrophile · 26/05/2026 20:14

I've taken the time to describe my world to a (hopefully) engaged audience, because it is easy to distinguish between a thriving area and a failing one, yet they are only 10 miles apart on the map. Property prices are lower in one than the other, by about 25% but the landscape is very similar. Neither has a rail connection (but my fleabite village is on the branch line to Plymouth -- mainly for reasons of industrial heritage). The financial situations of the residents are probably not dissimilar, but one has significant social issues (it's one of the heroin centres of the SW for starters) and the other is really quaite naice.

Papyrophile · 26/05/2026 20:02

We live a few miles between two towns, on the Devon Cornwall border. It's a farming area, mostly livestock. The smaller of the two towns is dominated by a very large national business that makes pasties and pies and savoury baked products, plus a Tesco, a health centre and a large comprehensive. Those are the local employment options. There's plenty of articulated delivery lorries too. But very few jobs are of interest to anyone with ambition or education.

The other town is much prettier, nicer houses, concert space, bowls club. It has four supermarkets, and two petrol stations so food prices are competitive. It also has a huge farmer's market, and a dozen or more specialist food retailers -- a cheesemonger, three independent butchers, a fishmonger, a Mediterranean delicatessen and it's the base for one of the most successful wine merchants in the Southwest. Very small branches of national chain stores. It's actually famous as the town where McDonalds failed. People go there at the weekend to buy fresh food. The comprehensive is huge, serving almost 300 sq miles. What is one town doing right and the other getting wrong? We have a lot of new housing being built in both towns. It sounds really petty but one town permits on street parking in the town centre for an hour, free. The county council want to change that, but so far the community has fought it off.

IsEveryUserNameBloodyTaken · 26/05/2026 19:53

Badbadbunny · 26/05/2026 18:38

But you're forgetting "earned income relief" that was in force for 2/3 years during that time, and that it was 41.25% for only about six years, quickly falling firstly to mid 30s then to low 30s.

Also that lots of other taxes we suffer today didn't exist or were a lot lower, such as VAT starting at 8% against the current 20%, plus much smaller fuel duties, and other taxes like landfill tax, insurance tax, air passenger tax, etc simply didn't exist, along with stamp duty, and of course employers NIC was a lot lower.

You really can't just "cherry pick" one tax when the entire tax regime has changed out of all recognition over the past 50-60 years.

True, I remember a time when VAT wasn’t charged on home energy bills at all.
When they brought it in you could pay an advance on your bills so you wouldn’t be charged VAT for the amount you paid in advance.

BIossomtoes · 26/05/2026 19:20

Badbadbunny · 26/05/2026 18:38

But you're forgetting "earned income relief" that was in force for 2/3 years during that time, and that it was 41.25% for only about six years, quickly falling firstly to mid 30s then to low 30s.

Also that lots of other taxes we suffer today didn't exist or were a lot lower, such as VAT starting at 8% against the current 20%, plus much smaller fuel duties, and other taxes like landfill tax, insurance tax, air passenger tax, etc simply didn't exist, along with stamp duty, and of course employers NIC was a lot lower.

You really can't just "cherry pick" one tax when the entire tax regime has changed out of all recognition over the past 50-60 years.

It was still six years of seeing literally half your pay disappear before you got it. Stamp duty has existed for well over a century and applied to cheques as well as property until decimalisation. Air passenger tax is a relatively new tax simply because until package holidays were introduced barely anyone flew. However you try and frame it taxation has been swings and roundabouts in different eras. What matters to most people is the amount in their pay packet and it’s considerably higher proportion now than it was then.

Badbadbunny · 26/05/2026 18:43

BIossomtoes · 26/05/2026 17:49

To be fair @Papyrophile, jobbing accountants are always going to agree with you because their clients are small businesses so they’re biased.

Plenty of small food businesses manage to conform to food regulations and I’d be pretty pissed off if they didn’t. Who wants to pay the inevitably inflated prices they charge and then go down with food poisoning? It would hardly benefit the business either.

It's not just "jobbing accountants", it's the various trade bodies, the federation of small business, huge numbers of small businesses themselves, etc. As a poster upthread said, small businesses are the biggest employers in the UK yet don't have a voice in Parliament as they're constantly ignored in favour of the big businesses (who often employ ex-politicians in lucrative roles after leaving Parliament) - funny that! We really need to start valuing small businesses more. Everyone seems to hate the millionaires and billionaires and the multinationals taking over everything, and there's a clear and obvious alternative which is to actually support small business rather than kill them which is clearly what the "Big boys" want so they can line their pockets even more.

Badbadbunny · 26/05/2026 18:38

BIossomtoes · 26/05/2026 15:25

Why should people substantially poorer than these pensioners be being hammered with the highest tax rates in peacetime in history

The standard basic rate of income tax was 41.25% the year I started work with NI on top. Just the taxation element was more than higher earners currently pay.

I very politely asked you what the evidence is that boomers have a lifetime deficit of £200k and millennials have a £300k surplus but you ignored me. Would you do me the kindness of providing that evidence, please?

But you're forgetting "earned income relief" that was in force for 2/3 years during that time, and that it was 41.25% for only about six years, quickly falling firstly to mid 30s then to low 30s.

Also that lots of other taxes we suffer today didn't exist or were a lot lower, such as VAT starting at 8% against the current 20%, plus much smaller fuel duties, and other taxes like landfill tax, insurance tax, air passenger tax, etc simply didn't exist, along with stamp duty, and of course employers NIC was a lot lower.

You really can't just "cherry pick" one tax when the entire tax regime has changed out of all recognition over the past 50-60 years.

Katypp · 26/05/2026 18:18

BIossomtoes · 26/05/2026 18:08

It’s interesting because there’s a small family bakery about 30 miles north of us that produces amazing bread and cake, we actually used to go specially to buy their wares for special occasions. Suddenly they opened a shop in our nearest town a couple of years ago which is pretty much sold out by lunch time most days, despite it being far from cheap. Clever placement - it’s bang next door to Waitrose.

It must be possible for businesses to expand despite all the handicaps. All their products travel down the A1 every day too.

I used to run a small food business. We went bust a few years ago now. We were completely strangled by legislation and standards and people employed by the council and standards agencies who had no concept of risk/cost analysis and the realities of running a small business.
Eg H&S who wanted us to invest £15k on a piece of equipment to enable staff to lift one heavy bag of flour a week. Our turnover at the time was roughly £200k and we employed six, including ourselves. If staff were dealing with dozens of 25kg sacks a day fair enough, but for one a week?
Or the auditor who wanted us to scrap £10k worth of packaging because we had the proportion of minor ingredients (not allegens) printed wrongly on the packet.

BIossomtoes · 26/05/2026 18:08

It’s interesting because there’s a small family bakery about 30 miles north of us that produces amazing bread and cake, we actually used to go specially to buy their wares for special occasions. Suddenly they opened a shop in our nearest town a couple of years ago which is pretty much sold out by lunch time most days, despite it being far from cheap. Clever placement - it’s bang next door to Waitrose.

It must be possible for businesses to expand despite all the handicaps. All their products travel down the A1 every day too.

Papyrophile · 26/05/2026 17:58

That's perfectly fair comment @BIossomtoes. Of course, food regulations need to be observed and no decent business wants to poison their customers. But if they didn't kill anyone working on a domestic scale, why would you think their hygiene standards should lapse on a slightly larger scale?

But it's less that aspect that inhibits growth than the difficulty of finding the few thousand pounds to tool up to take the next steps, particularly when you add in the extra administrators you have to hire. The banks aren't interested anymore because there is no branch left.

BIossomtoes · 26/05/2026 17:49

To be fair @Papyrophile, jobbing accountants are always going to agree with you because their clients are small businesses so they’re biased.

Plenty of small food businesses manage to conform to food regulations and I’d be pretty pissed off if they didn’t. Who wants to pay the inevitably inflated prices they charge and then go down with food poisoning? It would hardly benefit the business either.

Papyrophile · 26/05/2026 17:22

The jobbing accountants on this thread, like @Badbadbunny, have agreed with me here and elsewhere, that governments and civil servants of all political complexions need to get over their distaste for small businesses (which employ circa 60% of the UK's employees). Then encourage them and people like them and the banks to take the risk of investing in the next stage of growth. If they could do so without subjecting the local pasty shop to the same costly industrial food hygiene standards as our local big employer, which supplies most of the savoury baked goods sold in supermarket chill cabinets as well as its own brand goods which are bought by the tonne (hot and cold) on petrol filling station forecourts from Lands End to Inverness.

My little fishmonger's former taramasalata supplier (an ex-restaurateur with near-Michelin status) just retired when told that he needed to relocate to industrial premises to continue. To ramp up production from the 10kg he produced weekly to 100kg would have involved packaging and filling facilities, and someone to market the product, at which point someone would have pressured him for a better price, which would have involved compromising on quality.

I think the following article, dating back to November 2024, is probably past the paywall, but it explains the pitfalls.
My brewery, Timothy Taylor’s, succeeds despite Whitehall, not because of it

My brewery, Timothy Taylor’s, succeeds despite Whitehall, not because of it

Our brewery will not be able to absorb all of Rachel Reeves’s new costs — and we won’t be the only ones

https://www.thetimes.com/uk/politics/article/my-brewery-timothy-taylors-succeeds-despite-whitehall-not-because-of-it-qr7zq98jc

january1244 · 26/05/2026 16:23

I saw that scrapping the triple lock would save c.£19bn a year in ten years, increasing to up to £38 bn a year in twenty years. That would be a huge saving, and to me much fairer than means testing the state pension. Also means testing anything always seems to drive adverse behaviours, same as the cliff edges in taxation, or free childcare hours, as people seek to avoid it.

I do think the NHS needs reform. I work with many different nationalities, my partner is from another country, and so are multiple friends. Not one of them thinks the NHS is any good. The majority of these have a model where you part insure or pay in, part funded. Some refuse to use the NHS at all, either going home for treatment or paying privately.

A very easy win for the government would be removing the cliff edges in taxation and benefits - it really damages productivity and actively encourages people to work less or overpay into pensions.

BIossomtoes · 26/05/2026 16:08

You could have provided the link I requested in a fraction of the time it took you to post all that.

DrRylandGrace · 26/05/2026 16:06

DrRylandGrace · 26/05/2026 15:44

You do have access to the internet, I presume, given you are posting here?

As stated previously there are multiple detailed economic large-scale data studies on this matter which have also been reported in multiple national newspapers if you don’t like having to deal with the formulas and academic language in the original papers published in journals and accessible via pubmed etc.

And again, @blossomtoes it is well documented that the overall tax level now which isn’t just about headline tax rates, but stealth taxes, thresholds comparable to similar levels of earnings in real-terms (e.g. The higher rate tax threshold would now start at over £100k if it had been uprated with inflation each year, which is an automatic legal requirement UNLESS the Goverment gets a mandate to change it, in some countries) tax reliefs (remember MIRAS?!), etc. To compare the level of tax in total is necessary rather than just an anecdata comment about the taxes you personally happened to pay, without any context of what salary that occupation would earn now in real terms, total tax paid, the standard of living achievable after deduction for people with the SAME occupation you had at the same stage of life and how much disposable income in real-terms they had left after paying housing costs, tax, essential bills.

It is an evidenced fact that the tax burden is higher now than it’s ever been in the last ~80 years since the end of the second world war. On top of falling living standards. And every time it’s raised further living standards drop again because it creates more unemployment, more health costs and housing issues, more welfare dependency, more people falling below the poverty line because their incomes aren’t keeping pace with inflation.

If we want things to change we must address the underlying causes of the economic malaise which are: unnecessary self-imposed trade barriers, ongoing underfunding of education and infrastructure investment and totally incompetent management and design of those systems, the need to completely redesign our tax system to reduce distortions and cliff edges, the need to totally redesign our healthcare, social care and pensions models to make them fit for the 21st century and economically sustainable so that they don’t strip all other areas of spending of what they require, and the need to have a proper industrial strategy (all of which I explained in more detail in my post setting out specific policy changes that would be a good first step towards achieving the above by taking the most obvious measures that are needed and well evidenced from other countries that they actually work, hence their living standards not falling off a cliff like ours have and their incomes in PPP terms rising annually in comparison to ours, when they used to be similar not too long ago).

The UK has a serious case of ostrich syndrome. It doesn’t need to reinvent the wheel. There are systems with superior outcomes to ours which have been demonstrate in the real world in similar countries to achieve far superior outcomes. What we need to do, obviously, is emulate them. There’s a reason nobody’s copying the UK welfare, healthcare, pensions systems, industrial strategy (LOL) etc. It’s really not that difficult to look around the world, see what has been proved to work and emulate it here, if people DID actually want to stop getting poorer year after year. Sadly, instead, the UK populace seems determined to continually vote for an even worse/ more incompetent Government every time there is an election and if it continues to do so it can hardly pretend to be surprised at the outcome.

BIossomtoes · 26/05/2026 16:04

DrRylandGrace · 26/05/2026 15:44

You do have access to the internet, I presume, given you are posting here?

As stated previously there are multiple detailed economic large-scale data studies on this matter which have also been reported in multiple national newspapers if you don’t like having to deal with the formulas and academic language in the original papers published in journals and accessible via pubmed etc.

So could you please link to one. As an academic you must be used to providing citations.

DrRylandGrace · 26/05/2026 15:53

Papyrophile · 26/05/2026 08:35

Catching up on last night's contributions. Big thanks to everyone for their carefully worded and constructive thoughts, and for the insights into other people's lives. We're running out of thread here, but I wish we could forward this to every politician and civil servant in a senior role.

Thank you for your reasonable and constructive comments on this thread, it has been refreshing to see amongst all of the dross.

DrRylandGrace · 26/05/2026 15:50

crossedlines · 25/05/2026 22:15

A lot of sense here

😆

And ^^ therein lies the problem that’s been highlighted!