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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

AIBU to want spending cuts rather than more tax rises?

1000 replies

PinkFruitbat · 05/09/2026 10:07

The foundations are being laid for more tax rises in the October Budget.

https://www.ft.com/content/6d43b599-3d7c-471c-88c2-0f056475a840?syn-25a6b1a6=1

AIBU to ask for savings in spending to help balance the budget rather than more taxes.

With welfare spending at nearly £1bn each day, when is enough, enough?

OP posts:
Thread gallery
23
xoxoxoxocube · 05/09/2026 22:18

HappyHedgehog247 · 05/09/2026 22:17

I find threads like these hard.
I'm (just) a 40% tax payer.
My DSis has a motability vehicle and gets PIP. She's younger than me but had an accident and is disabled. Sometimes wheelchair, sometimes crutches when she is doing better. She can't work as has to rest a lot. She makes the absolute best of it but it's not a life anyone would wish for. Every time I go to London I see the dripping wealth in Knightsbridge etc (not all parts of London, specific parts) and wonder why our poorest and most vulnerable are the focus of our money saving/generating as opposed to our richest.

Because they aren’t been given money for nothing, they are earning it

HappyHedgehog247 · 05/09/2026 22:17

I find threads like these hard.
I'm (just) a 40% tax payer.
My DSis has a motability vehicle and gets PIP. She's younger than me but had an accident and is disabled. Sometimes wheelchair, sometimes crutches when she is doing better. She can't work as has to rest a lot. She makes the absolute best of it but it's not a life anyone would wish for. Every time I go to London I see the dripping wealth in Knightsbridge etc (not all parts of London, specific parts) and wonder why our poorest and most vulnerable are the focus of our money saving/generating as opposed to our richest.

Bushmillsbabe · 05/09/2026 22:17

foursquares · 05/09/2026 20:16

Really don't want taxes to rise any further particular income tax, but would be comfortable with NI rising. We really need to do following :

  1. Stop triple lock for pensioners
  2. Increse NI by 2%.
  3. Scrap council tax and introduce property tax at 0.48%
  4. Stop sending money to Ukraine each year

Let me guess, you live up north, and work for Andy, with that very specific property tax figure?

Those of us with more expensive properties generally (apart from the very rich) have less disposable income as our mortgages are higher. Living in an expensive area doesn't necessarily mean we earn more - the nhs pays the same whether you live in the south east or north east. And I'm sure I will get 'well you could always move somewhere cheaper' - not so easy in the current job market, and with elderly relatives to care for.

The previous NI rises have already crippled nhs and schools, as it goes up for employers as well as employees, as well as having a huge impact on private business, impacting on economy and likely leading to a reduced ratherthan increased tax take

Grumpyoldcat · 05/09/2026 22:13

Your question is too simplistic.

WhistPie · 05/09/2026 22:10

Cut child benefit completely - the number of people on here who save the child benefit to pay for driving lessons is ridiculous.

CoffeeAndCats3 · 05/09/2026 22:06

Ginmonkeyagain · 05/09/2026 10:47

The only way you can make a meaningful dent in the welfare budget is by looking at the state pension. Everyone who wants to "cut the welfare bill" finds this out at some point.

The pension needs to be means tested. I know - shock horror!

But they do it in Australia with the superannuation system, and it works well.

GingerBeverage · 05/09/2026 22:05

PinkFruitbat · 05/09/2026 22:00

And how many do this?

Between 2021-22 and 2025-26, there were 62 voluntary payments made to the Treasury, according to figures acquired under Freedom of Information….

https://www.telegraph.co.uk/money/tax/news/patriotic-taxpayers-donate-23m-to-treasury-over-decade/

Judging from the first few pages on here, many would like to.

It should really be highlighted and advertised as an option. Lots of people trust the govt to spend tax wisely and want to give them more.

It should be added as an option on the HMRC app.

PinkFruitbat · 05/09/2026 22:00

GingerBeverage · 05/09/2026 21:54

Haven’t rtft but here’s the link for anyone wanting to pay more tax.

https://advisingfamilies.org/uk/information-portal/managing-money/can-i-pay-more-tax-voluntarily/

Voluntary payments/donations to the government
You can give a donation to the government via the form of a direct bank transfer. To do this the potential donor should write to Her Majesty’s Treasury (HMT) at [email protected]specifying that they wish to make a donation towards public expenditure and lay out the value of the donation and the planned date of the donation (which must be seven calendar days in advance).

The donor must also confirm that the money is theirs to give and is not derived from crime, money laundering or other illegal activity; additionally the donor must acknowledge they cannot request a refund of the donation once it has been made. HMT will then provide details of the bank account and reference to be used for the donation. HMT also does advise that the gift cannot be ring-fenced for a specific purpose or assigned to a specific area of public spending.
Donations can also be given specifically to reduce the national debt. To do this all the donor needs to do is download, complete and submit a form to the United Kingdom Debt Management Office (DMO). More information on donating to the government is here.

And how many do this?

Between 2021-22 and 2025-26, there were 62 voluntary payments made to the Treasury, according to figures acquired under Freedom of Information….

https://www.telegraph.co.uk/money/tax/news/patriotic-taxpayers-donate-23m-to-treasury-over-decade/

OP posts:
GingerBeverage · 05/09/2026 21:54

Ziggyzag · 05/09/2026 12:17

HMRC probably wouldn't know how to allow you to pay more tax.

When my DH died, as instructed, I had to write to them to tell them how much income had been earned for the period after death to the date of probate being finalised. It took them 20 months to respond and let me know where to pay the tax that was due.

I'd really like to see everything simplified, at the moment there are so many different complicated rules around tax. Simplify it, make it more straightforward, fewer 'cliff edge' scenarios.

Haven’t rtft but here’s the link for anyone wanting to pay more tax.

https://advisingfamilies.org/uk/information-portal/managing-money/can-i-pay-more-tax-voluntarily/

Voluntary payments/donations to the government
You can give a donation to the government via the form of a direct bank transfer. To do this the potential donor should write to Her Majesty’s Treasury (HMT) at [email protected]specifying that they wish to make a donation towards public expenditure and lay out the value of the donation and the planned date of the donation (which must be seven calendar days in advance).

The donor must also confirm that the money is theirs to give and is not derived from crime, money laundering or other illegal activity; additionally the donor must acknowledge they cannot request a refund of the donation once it has been made. HMT will then provide details of the bank account and reference to be used for the donation. HMT also does advise that the gift cannot be ring-fenced for a specific purpose or assigned to a specific area of public spending.
Donations can also be given specifically to reduce the national debt. To do this all the donor needs to do is download, complete and submit a form to the United Kingdom Debt Management Office (DMO). More information on donating to the government is here.

Donations and Bequests Account

https://www.dmo.gov.uk/responsibilities/public-sector-funds-crnd/miscellaneous-accounts/donations-and-bequests-account/

strawberrybubblegum · 05/09/2026 21:47

Velumental · 05/09/2026 21:31

I'm literally taking rough numbers of net take home off the table the op has posted not using real world taxation figures.

They did use real tax figures, and then even did the percentages for you.

I think we're realising that not only do you have no clue about what people are taxed (despite your strong opinion that it isn't enough...) but you also can't do basic maths.

Weren't you the poster who insulted a pp's education, when she has a masters in engineering?

And made a rather rude comment about me too?

Hmmm.

PinkFruitbat · 05/09/2026 21:44

MrsTerryPratchett · 05/09/2026 21:43

How many kids do you have?

2

OP posts:
MrsTerryPratchett · 05/09/2026 21:43

PinkFruitbat · 05/09/2026 11:01

I suggest we reinstate it at 3 kids. We do need a net positive population growth. We don’t want to be like Japan.

How many kids do you have?

strawberrybubblegum · 05/09/2026 21:43

This reply has been deleted

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

SomethingFun · 05/09/2026 21:40

I think if people were paying £30k tax on £200000 paye we wouldn’t be having this conversation 😁

I disagree with cutting jobs in the civil service - we need more people working and not fewer. I’d rather my taxes be spent on people working and doing bullshit jobs than be spent on benefits for them becuse there are no jobs to do. I’d also like the nhs to employ all the currently out of work health care professionals - if the shit show we have is costing the figures I’ve seen here, an extra billion on physios and nurses is neither here nor there. But then I don’t think the nhs should be completely free anymore and we should have a more European attitude to healthcare.

Kitte321 · 05/09/2026 21:39

Surely, we need to remove the triple lock. It costs c12billion per year more than if pensions just tracked average earnings increases. With changing demographics, It’s become unaffordable.

strawberrybubblegum · 05/09/2026 21:39

Velumental · 05/09/2026 21:05

So you're happy for some families to be living on absolute bare minimum and unable to afford 3 basic meals for their family or a home dure to the mixture of inflated housing prices and poor wages but think those who have a lot of disposable income should just... Keep it? While still expecting services? That's someone with an income of 20k should pay the same rate of tax as someone on 200k? That's some kind of fairness to you?

I'm glad not to be you. Very very glad

Someone on £20k isn't even doing a full time minimum wage job - yet will still be topped up to cover their housing, and extra to live on to a more than acceptable standard. Not just the basics at all. As well as free money, they get cheaper bills (social tarifs), reduced council tax, free prescriptions and opticians, and even reduced attractions entrance as we learned recently! As well as free access to state provided services - free medical care, education etc - which cost the state an average of £10k per person each year.

Sure, they'll be paying £2k tax per year. (assuming you meant they actually earned the £20k. If the £20k was benefits, they're paying nada). It comes nowhere near covering even the services they get, let alone the handouts.

Whereas someone on £200k is handing over £82k tax. And not getting any of those tax discounts or free extras.

How the hell can you suggest that they're paying "the same rate of tax" ? Confused

The £20k earner is a net recipient - paid for by absolutely huge amounts of redistribution from the £200k earner.

You're right that it's not fair. And you'll only realise how greedy you are when it's too late - when you've pushed it too far, and those high earners have stopped massively subsidising you.

Foxyloxy89 · 05/09/2026 21:36

Some great ideas here. Scrap the House of Lords. Biggest waste of money and completely irrelevant bunch of old farts. Scrap PIP and DLA for all but the most needy. Scrap PIP and DLA for MH/Anxiety/Depression and ensure they are receiving treatment and intervention for their MH issues rather than sitting at home and rinsing the taxpayer. Too many playing the system and if you think otherwise, you have no idea what is really going on.

Kitte321 · 05/09/2026 21:34

Velumental · 05/09/2026 21:17

Yet the person on 20k takes home 17k and the person on 200k takes home 170k. Every additional penny of tax removed from the lower earner takes them closer to the point where they can't afford basic necessities. You'd go a long way to get to the point someone on 200k couldn't afford basic necessities.

A s before you start about cost of living and private school in the South East as though those are basic necessities for a high earner rather than massive luxuries they choose. It's nonsense.

If basics for any human is considered a single bedroom and basic tinned food and a bare minimum of heating to sustain life then those basics remain the basics for the higher earner so anything above that level IS a luxury.

Someone on 200k takes home c117k 🤦‍♀️

AndyKitten · 05/09/2026 21:33

Velumental · 05/09/2026 21:31

I'm literally taking rough numbers of net take home off the table the op has posted not using real world taxation figures.

There is rough numbers and then there is 70’grand off.

PinkFruitbat · 05/09/2026 21:33

Velumental · 05/09/2026 21:31

But I want you to tell me what point you are making with the link and how the information in the article relates to your point. Is appreciate the clarity

Is appreciate the clarity?

OP posts:
Goota · 05/09/2026 21:32

AndyKitten · 05/09/2026 21:30

Yet the person on 20k takes home 17k and the person on 200k takes home 170k.

Do they?

That's just completely wrong

nearlylovemyusername · 05/09/2026 21:31

HollyhocksandPeons · 05/09/2026 20:55

A Maltese person doing cleaning jobs cash-in hand, living in social housing, with 3 children in state schools and getting child benefit, tax credits, etc.? Of course! Let them use the NHS for free as well, why not? We are so rich and have no national debt at all! I have just described my SIL's cleaning lady.

So why did your SIL agreed to pay cash in hand? She should've gone all above the board and pay via bank. This would cost her much more because that Maltese lady would have to pay tax and wouldn't be able to claim benefits.
Don't you see that it's your SIL's fault?

Velumental · 05/09/2026 21:31

AndyKitten · 05/09/2026 21:30

Yet the person on 20k takes home 17k and the person on 200k takes home 170k.

Do they?

I'm literally taking rough numbers of net take home off the table the op has posted not using real world taxation figures.

Velumental · 05/09/2026 21:31

PinkFruitbat · 05/09/2026 21:29

I’m sure you can figure it out yourself.

But I want you to tell me what point you are making with the link and how the information in the article relates to your point. Is appreciate the clarity

AndyKitten · 05/09/2026 21:30

Velumental · 05/09/2026 21:17

Yet the person on 20k takes home 17k and the person on 200k takes home 170k. Every additional penny of tax removed from the lower earner takes them closer to the point where they can't afford basic necessities. You'd go a long way to get to the point someone on 200k couldn't afford basic necessities.

A s before you start about cost of living and private school in the South East as though those are basic necessities for a high earner rather than massive luxuries they choose. It's nonsense.

If basics for any human is considered a single bedroom and basic tinned food and a bare minimum of heating to sustain life then those basics remain the basics for the higher earner so anything above that level IS a luxury.

Yet the person on 20k takes home 17k and the person on 200k takes home 170k.

Do they?

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