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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

2015 budget

79 replies

idliketoteachtheworldtosing · 08/07/2015 14:58

Shocked to actually find myself agreeing with the chancellor, well some of it. I think we have actually come to a stage where enough is enough and cb and tc for 2 children only, as shocking as it seems is actually the right thing to do!

OP posts:
BrieAndChilli · 08/07/2015 17:07

The problem is the country doesn't have enough money and sadly due to tax credits etc we have cultivated a culture of it pays to have new kids. Most working people will have the amount of children they feel they can afford but a lot of people I benefits don't think twice about havin more children
Capping at 2 children will hopefully stop future people from having more children than they can afford. It will be better for the state (less pressure on NHS an education etc) but also better for the 2 children they will already have.
By all means have lots of children (I have 3) but you need to have a plan in place of how you are going to raise them

ollieplimsoles · 08/07/2015 17:08

By feckless parents I mean those who have more and more children purely for the extra tax credits, cb etc. I know two women like this and it's the kids that are going to suffer.

I'm sorry to say I also know women like this. When I was 24 I wanted to have a baby. I discussed it with DH and we had to sit down and work out our budget for it seriously, as we would not be eligible for benefits. I'm 26 now and in those two years one of these women (same age as me) had two more children. I'm ashamed to say that it annoyed me a bit, it was like I was being punished for being responsible for waiting till we could actually support a baby financially. I know that sounds horrible but when the baby bug bites you, I find you tend to think in odd ways!

Goshthatsspicy · 08/07/2015 17:08

I'm thinking though little, that those families getting the 30 hours will be exexpected to find it when their children start school anyway? When the US comes in? I don't agree with it btw, just thinking that it might not be as bad? I don't know?

crazykat · 08/07/2015 17:09

I also disagree that social housing is subsidised unless you receive housing benefit. It's cheaper than private renting because it's not run to make a profit and cover agents fees, landlord insurance, a buffer against vacant periods. 30k a year sounds a lot but by the time tax is taken off and you have a couple of kids to support its not that much.

It's also galling that poorer families on minimum wage are facing a drop in tax credits and possible raise in rent if they're in social housing yet the inheritance tax threshold has been dramatically raised. It's widening the gap between rich and poor.

Goshthatsspicy · 08/07/2015 17:10

Not the US. Sorry. UTC

FluffyMcnuffy · 08/07/2015 17:14

A 30k household income is not "minimum wage" Confused well not unless you're working 50 hours a week each!

MaliceInWonderland78 · 08/07/2015 17:18

I actually think that he solution lies in reintroducing the notion of first having contributed before being able to take out. Also, with regards to the no. of children, it's about drawing a proverbial line in the sand at the point at which you become a recipient of benefits. My wages do not increase when I have more children, so why should benefits? It's about making sure that those on benefits are subject ot he same considerations as the rest of us.

I don't think it will make a huge difference, but it's about sending out the correct message. I have a friend who has 8 (yes 8) children. He has never claimed anyhting other than CB. Were he to need help, I'd have no argument in getting it - based solely on the basis that he's paid into the system.

Babyroobs · 08/07/2015 17:21

Child benefit aone for 8 kids would be £500 every 4 weeks though Malice !!

lem73 · 08/07/2015 17:21

Just seen a woman on Sky news say that the tax credits change means they will have to carefully consider if they can afford another child. Isn't that what you should be doing anyway?? I have 3 dcs and would love to have had 4 but we couldn't afford it. That's life. I don't expect the government to fix that for me.

MaliceInWonderland78 · 08/07/2015 17:25

Baby yes you're right, but to be honest, he doesn't even receive that now - I believe he lost it before baby No. 8 arrived.

SomewhereIBelong · 08/07/2015 17:28

My wages do not increase when I have more children, so why should benefits? It's about making sure that those on benefits are subject to he same considerations as the rest of us

never actually seen it written so simply before - I agree with this.

hesterton · 08/07/2015 17:32

This reply has been deleted

Message withdrawn at poster's request.

ethicsgalore · 08/07/2015 17:37

Love the change to buy to let, a small step in the right direction.

Lateswim16 · 08/07/2015 17:38

We'll then they are very stupid and feckless and I personally object to paying for other people's kids conceived through ridiculous religious beliefs.

Tough.

ollieplimsoles · 08/07/2015 17:46

I wonder what the impact will be on religious families who have many children as part of their beliefs? They may feel they have no choice but to continue following their religious leaders and those may be the children living in poverty.

They can do what they want but shouldn't be subject to any sort of special financial treatment because their religion requires them to have a big family! Confused

Bulldogclip · 08/07/2015 17:59

Let the church (the wealthiest organisation in the world) help them.

Dervel · 08/07/2015 18:33

I wouldn't dream of objecting to huge subsidies to assist large families. If we could afford it, but unfortunately as a nation we can't. I'm also appalled at the suggestion that somehow holding that view makes one not "generous of spirit".

I for one am frankly terrified at the level of national debt my child and his contemporaries are going to inherit once he is of age. A generous spirit it could also be argued would wish to leave a surplus for future generations and not a whopping black hole of debt, the event horizon of which our children's futures will be unable to escape...

ProphetOfDoom · 08/07/2015 19:55

I'm a single public sector working parent to three great kids. Being on my own was never in the costed plan but life happens. The tax credit cap will detrimentally impact us and we live austerely as is, but I'm glad for the people it benefits.

220hawthorn · 08/07/2015 19:58

So parents of 3 year olds forced into jobs. The way private rents are in London and the south many of them won't earn enough to pay the bills. They will provide 30 hrs of childcare for 3 and 4 year olds whit what happens during the holidays with older kids. Employers won't give someone 6-7 weeks off in the summer, childcare is very expensive and not everyone has a family support network to help

220hawthorn · 08/07/2015 20:09

Also call me a cynic but with regards to housing.. in my view. Restrict council housing so ppl e nd up renting or buying. Government make money on hour purchases, then make money if you sell. Then with an ageing population living longer you may have to sell it to pay nursing fees which means the government. Don't have to pay for your care. You will also have more onus to take a job.. any job to pay the mortgage. They are thinking of themselves and wrapping it up as helping hardworkking people get a foot up!

Kardamyli · 08/07/2015 20:14

Raggedy, shame on you for expecting other people to pay for your "quite a few children". As for the notion that your eldest will pay enough tax in his lifetime to make up for the vast amount of other people's money which his family have spent, he would have to be earning into 7 figures for that to be even remotely likely.

Dawndonnaagain · 08/07/2015 20:15

Are those of you that are happy with the budget aware that people with disabilities and their carers are losing money in this budget?

LaLyra · 08/07/2015 20:26

The 2 child limit only applies to children born after April 2017 anyway. So if you already have 3/6/9/16 children, just don't have any more!

Fingers crossed no-one who already has 3/6/9/16 children finds themselves widowed, them or their partner suddenly disabled or abandoning them because they'd be goosed.

Also interested to see how they implement the 'back to work when the child is 3' in the places in the UK where the 30 hour free childcare isn't going to apply?

The attack on the ESA WRAG group is scandelous imo. What is the point in assessing people, accepting that they are not average jobseekers, they have issues with illness or disability and are in need of more help, and will likely struggle more than the average person to get a job and then slashing the help you give them? Especially when so many people are wrongly put in that group that are in no way fit for work.

LaLyra · 08/07/2015 20:27

*they'd be goosed because they could also be new claimants despite currently being 'hard-working people' (which seemed to be the phrase of the day)

Goshthatsspicy · 08/07/2015 20:33

La you're right.
I'd totally overlooked the catch all 'new claiments' thing.
Completely covering themselves.

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