Tax TAx TAX!!!!!! Fuming at our government!

[Baldylovingbeard]

please try and convince me otherwise…..

What a joke this government are!!! ( UK)

Let’s just tax everyone who earns a bit of cash!!! Oh and while we’re at it… go on have loads more children it’s ok others will pay for them!!! Cutting the 2child benefit cap! If you decide to have multiple children you should be able to afford to provide for them. NOT expect others too!!!!! If you fall on hard times and you’ve worked and contributed to paying tax than you are within your rights to claim tax this is what benefits were made for, it’s not a means to not work, have more kids….etc!

Oh and if you work really hard and want to put some money by for you later days in life…. You’ll be taxed!

My situation:
Part time work, full time mum to 1 child. I work for myself and earn around 10k this money usually pays for things our daughter needs… clothes, clubs, any treats.
Husband works long hours, his under a lot of stress with his job, he has worked his way to and earns a very good salary 100k he gets taxed 60% you do the maths on that! We live in a 3 bed around £280k so nothing crazy but live within our means. We have one car! One holiday a year! Put money into savings! Pension! our daughter goes to one after school club. My husband got kicked out of home at 16…. He has worked with no help from family or friends and I believe he has worked very hard to get to where he is now. we are generous with charity’s and try our best to help out when we can if we can!

The specific thing I was responding to, and point I was making, was “I could work full time but choose not to.”

Thats not the same as “I could but… reason.”

If you could. Do.

Exactly

get a grip!

you are privileged - enjoy it and stop moaning

oh my “I’ve worked since 16” card - we all have love

@Baldylovingbeard not sure if you area troll or genuine because little has changed that would affect you personally - I wouldn’t personally have changed the 2 child benefit cap but the Tory’s didn’t have it in for years either and I didn’t see all the hoo about it then, so think a certain amount of political agitation going on about let’s moan about the gvt - to be frank if you can afford to be at home working very very part time then thank your lucky stars that you’ve got a £100k plus earning husband- or if it’s tighter than you would like find extra work, it all adds up

lol, has the op disappeared once she’s realised she was wrong all along? I was cringing for her throughout the thread. Lots of you are very very kind, explaining it so slowly, patiently and repeatedly throughout.

Wrong about what?

Disability is fair.

But at some point if you work FT and need to be topped up (not due to disability or caring) either budget better and make a plan to increase earnings

She thought and has been insisting all along, whilst calling other people stupid, that he was taxed 60 % on his whole salary.

Or reduce fixed costs !

I would love it if, for one day, just one day, all the FT workers who rely on benefits to lift them up to a living wage just didn't go to work and closed or turned off everything they maintain.

All the childminders, nurses, carers, bin men, factory workers, power plant workers, the people who monitor the BB connections for Virgin et al...

The ensuing chaos when no one could work or enjoy reliable electricity and running water would surely prove just how much we need them, and that not everyone can have a high-paying job because, without the low-paid workers doing their bit, the country would grind to a halt, and people (even rich people) would die.

Obviously, there would have to be some exceptions. I don't want people to actually die, so nurses and carers would have to work out a minimum staffing level to keep people alive and/or arrange for relatives to step up.

Look the top 5 per cent own 90 percent of the wealth (or similar) and the govt are propping up and supplementing many businesses that don’t pay what people need - the businesses that give that 5 percent 90 per cent of the wealth

don’t slag the people off - slag the system

people are doing their best

The NMW isn't enough to live off. Could you survive and maintain a household on £22k a year? I couldn't. No way. The government can either choose to raise the NMW until it's an actual living wage, which would result in businesses being more reluctant to employ people and managing on fewer staff, or top up the wages of those who don't earn enough to live on.

You can't just "make a plan" to earn more money. For a start, we actually need people to be doing NMW jobs. Without supermarket workers, teaching assistants and hospital porters, we'd be in a big mess very quickly. If you remember, we used to call them key workers and celebrate them. They couldn't be furloughed because we needed them.

And the other aspect, which seems to be taboo to mention, is that not everyone can do anything else. Some people have the right amount of intelligence and ability to learn new skills to be perfectly able to stack shelves but nothing more complex and that's actually perfectly fine, there's no moral superiority in just happening to have more brain power. Not everyone can be a doctor, but people don't deserve to starve just because they aren't University material. Those people are of equal value!

All of the above.

What she said 👆🏻

The fact we’re on a thread that complains about having £110k, even discussing whether £22k is liveable, says it all. It evidently isn’t.

But surely a couple both working full time earn £44k between them?

No. The higher tax rate is 40% (or 45% over £125k). 62% is the ‘effective’ tax rate, because between £100k and £125k you start to lose your personal allowance. So ‘effectively’ you’re losing 62% (with NI contributions too). Taxation is quite complex, its no wonder normal people get it wrapped round their heads.

Either way, though, with your DH earning £100k and you earning £10k (and paying no tax), you’ll have a joint monthly net income of £6.5k. Any bonuses your DH earns, you’ll effectively get just under half of it after tax. You aren’t on the breadline with £6.5k plus bonus per month. It’s going to be hard for anyone to feel sorry for you.

Most people in the “squeezed middle” will be on that as individuals.

How squeezed do we think those not in the middle are?

Not everyone is half a couple. I wouldn’t want to try living on £1628 a month which is what the take home on £22k amounts to.

I know but the fact is that 2 people together which is the majority of families where both people should be working full time would earn £44k between them. Should it be more?- in an ideal world but who will pay more for groceries that are already super expensive or pay more for public transport etc? If they put minimum wage up to £40k a year per person, I doubt many people would be able to afford to eat.

Sorry who’s taking the piss?

And yet when we lived in Copenhagen a lot of people brought home that kind of income or slightly more - the big difference was the fact as I mentioned earlier the expectation was both people in a couple worked , childcare was cheap( ish) and plentiful and lots of good quality social housing and utilities were less too and no council tax - the big issue in UK is costs! Particularly housing costs and more of an acute issue in southern half of UK and also the fact an awful lot of people expect to be able to work part time or be an SAHM and things not be tight. Unless you have a very high earning partner, pots of spare cash, or live in a cheap area then it’s always going to be tight doing a bit of part time or SAHM - tax is actually some of the lowest in Europe and wages around average - however costs are some of the highest - be that housing, utilities, transport or childcare

Childless NMW take home pay is £1.7k per month assuming no student loans?

That's manageable right? I admit it's not the most glamorous. But especially outside of London, you could manage right?

I don’t live in London; and pay £1200 just for the house. So no, probably not.

Even in the NE, where many of my family are based, the average cost of renting is around £850 pcm. If you’re on NMW you’re more likely to be renting because saving a deposit wouldn’t be as likely.

Add CT, gas and electric and food on to either of those basic living costs and things are either very tight, or impossible.

A single pensioner (relying solely on SP) is expected to live on £12k so I am not sure why it is so outrageous to think that a single 20 something could live on £22k.

It’s £1628 after deductions without any of the benefits pensioners get. It would be bloody tight and I wouldn’t want to attempt it. Round here there wouldn’t be much left after rent.

Even £44k is tight. But sometimes, people split up or die. Frequently, the lower earner is left with the children and frequently the higher earner pays nothing or very little in child maintenance.