To ask about child tax credit cuts.

[yellowbird11]

Is it inevitable and if so will it affect everyone? what a massive worry to all of you who are going to be affected.My DD works 16 hours a week and has 1 child. She'd love to do more hours as her child is at school but isn't able to. Can anyone give me any idea how much she'll lose, and when? I'm so worried for her because I know without these tax credits they'll be barely able to eat and keep warm. How can these Tory bs sleep at night?

Deletion, ban, whatever. Chuckling to myself at you trying to say that wasn't at me directly though!

I find Tories a shower of cunts. I think Jamie Oliver is, too. One poster referred to him as a 'slack-jawed mockney cunt'. I'd adopted that, too. It makes him slightly less irritating.

'Chuckling to myself at you trying to say that wasn't at me directly though!'

Then report it and be done with it instead of playing the wannabe mod.

Wouldn't want to be a fucking hypocritical cunt now, would we?

As usual with these threads the name calling starts continues.

I am a Labour voter, but calling people cunts and bastards doesn't help anyone.

you can say it wasn't aimed at a poster but you know it was

I'm amazed people get away with being so abusive just because someone has a differnet opinion to them.

I find Tories to be so out of touch of the reality of a typical working parent/family that they simply refuse to believe what they are told by them.

I like to think the best of people and refuse to believe that even the most twattish of Tories would not support the cuts if they truly understood what they mean to those on the lowest incomes, which whether you believe it or not is going to a choice between eating or heating, if they don't already have to face that choice.

I get less than half of 34k p/a with HB, CTC, WTC, CB and I'm still facing having that cut as well as the potential loss of my job because the small family run business I work for isn't sure that they can absorb the impact of the NLW.

I find Tories to be so out of touch of the reality of a typical working parent/family

What am I, a figment of my own imagination? I'd class myself as a fairly typical working parent.

I missed a word out, I meant to type working class, my brain works faster than my fingers type

Believe it or not, not all Tory voters are middle class and coming from a background of privilege

I'd still be interested to hear some actual examples. 'I'm losing £1k a year' is pretty meaningless when you don't know what someone's household income and set up is to start with.

I don't believe it. I don't believe that anyone who supports these cuts has any idea what it is like to survive on the lowest end of the scale because if they did they would be a shower of cunts and I'd like to think my children were not growing up in a world full of self absorbed, I'm alright Jack cunts.

I'm amazed people get away with being so abusive just because someone has a differnet opinion to them.

[shrugs]

I suppose it boils down to what you feel is more reprehensible - calling tories cunts on a talkboard, or taking £1,300 off people off people who already earn substantially less than the national average wage while at the same time ensuring millionaires pay less tax and the children of millionaires who inherit the family pile pay less tax again. The two things are related, because the first ensures that the people at the bottom get less, and the people at the top have more, which is what the tories always do. They entrench wealth and power. Maybe you don't think that's a big deal and that swearing is much much worse and a greater threat to society. Ok. Good for you.

taking £1,300 off people off people who already earn substantially less than the national average wage

So care to post an actual example with figures? Like I said, I've yet to see one where the family that are having tcs reduced will struggle to survive.

I'm alright Jack cunts.

People vote differently for different reasons. Unless you are in their head you don't know what those are.

You expect people to see your point of view when you call people names.

Yet when people call 'the left' names 'the left' get upset. It works both ways.

I am a Labour voter and will be affected by the cuts however swearing and name calling helps no one and actually makes people dig feet in further.

AllofTheCoffee - you're jumping on the name calling bandwagon.

What do you think is more likely? That your abuse will suddenly make all of us 'Tory Cunts' see the light and change opinion? Or that you're make yourself look like such a hysterical douchebag* that people stop engaging?

*hypothetical wondering of course. Blatantly not directed at an individual, as previously confirmed by others.

I guess on these threads we are only hearing from those who are going to be really hard hit by the cuts, the ones who are really going to struggle and who are understandably very worried. Its not going to be the ones who earn £35k and have savings in the bank or inheritance or a very low mortgage because they were lucky enough to buy at the right time. £20 a week cut is going to make little difference to them they will be cope despite the drop. My db and sil are a prime example, they have a lowish income ( around £30k between them and get tax credits for 3 kids. They own a lovely 4 bed house up North. before they met they were both were on the property ladder and did well out of house price rises so had a huge amount of equity as a deposit for their current house so have a very low mortgage. They may well lose their tax credits altogether with the cuts but they will be ok. They will not starve, they will not go without heat, thay may have to cut down on treats and holidays but they will cope. The problem on this threads is that we are not getting a the whole picture from those affected.

That's why I really want a specific example Baby which no one seems willing to give.

Like I said, saying 'i'm losing £1k' is meaningless without points of reference about overall household income and situation.

Anyone interested in signing this petition for the House of Lords, please do:

38d.gs/1GrSnux

It's up to 206,000 signatures so far.

Thanks x

I said I don't think they are cunts, I prefer to believe that they either didn't fully understand what they were voting for or that they don't fully understand the impact that these cuts will have on the working poor.

I refuse to believe that anyone could be so callous as to support these cuts, knowing what they mean to the working poor.

They either believe that the working poor are where they are because of some fault of their own (probably true, in simple terms, but more complex in reality) and/or that the working poor has the ability to change their circumstances but chooses not to because they are happier on raking in it on TC (not true in the vast majority of cases)

I fully understand that the income of the 'working poor' will be reduced in many cases.

I don't believe, and have seen no evidence or examples, that in the vast majority of cases it will push a family into poverty, or stop them eating or being able to afford basics.

Just 'we'll lose £800', 'we'll lose £1.5k'. Which means nothing without a point of reference.

I think the mystery of Tory voter opinion is self protection. If you believe all poor people are lazy, work shy, could just work harder etc it means that you as a hard worker will never be poor. If you allow yourself to think that some people are a victim of circumstances out of their control that means it could happen to you too, which is a scary thought.

SummerNights1986 - there is an online calculator from Union which you can play around with and see how much families will lose depending on income and how many children etc.

Looking at it quickly, a family with 2 children with an income of 30K would lose around £800. A family with an income of 15K would stand to lose £1800. The lower the income the higher the loss.

unison.typeform.com/to/nYWPlq

Summer, I've just done the Entitled To calculator, which says that I will lose £3 a week, once the extra HB/CTB is taken into account (just over £10 a week off my Tax credits but I'd get more rent and CT paid) the first year, which is far less scary than I expected however we often don't have £3 left at the end of the week.

I could shave £3 off the £15 a week I put into my savings account for Christmas/birthdays/days out/school shoe replacement (my savings account currently has £20 in it btw, my bank has £6 left in it, I get paid again on Tuesday, but bills, food has been bought so I shouldn't need to use my 'savings' I'm not in a position to be saving for ipads or holidays, I save for what most people would consider to be essentials)

What's worrying me more is that TC are frozen for the next four years, so after that year that £3 will be worth more and more again the year after and more after that. Each £1 is £1 less I can put in my savings for unusual expenses like school trips, uniform and growth spurts, which we struggle to cover at times as it is.

There's also the fact that in 4 years, when dd2 turns 12, I might not be able to work 30 hours because there is a fair chance she won't be able to be left unsupervised due to her disabilities, she is disabled enough to effect our lives, but not disabled enough for us to receive any extra benefits, which I am thankful for, I wouldn't want her life to be harder for any amount of money.

Plus the fact that my boss isn't sure he can afford to keep me on 21 hours with the rise in wages, so that'll make for a bigger loss, but I cannot calculate that until I know what my hours would be or if I even have a job once it comes into force.

It's only £3 a week, but as it is that £3 is enough to make a difference to us.

I think as I'm on the lowest on the scale, I'm least effected, it's people who are earning slightly more than me who will be hit the hardest.

You could play about with the Entitled To calculator if you want to see just exactly how they will be effected.

All of - if your dd is significantly disabled enough to require extra care/ supervision , more care than other kids of her age, then she should be entitled to DLA, even at the lowest rate would help you significantly and give you more tax credits too.

SummerNights I am not affected by the tax credits cuts as I don't currently work but I will lose a little over £4000 a year when the new benefits cap comes in in April.

I had to go to the foodbank this week and it's about my 6/7th visit this year since leaving my (abusive) husband in Jan.

I have 4 children 7 and under the youngest being just 3 months old. I didn't really want 4 children but my husband refused to use contraception and forced me to sleep with him as it was my "wifely duty".

I currently suffer from some kind of depression (PND?) and quite severe anxiety. I am always on the edge and can barely cope. Social services have closed my case as apparently I can cope.

I sleep about 4/5 hours a day and I'm always in tears.

As I left with nothing, since moving out of a refuge in May/June I've spent most of my benefits on second hand furniture and essentials like cutlery, plates etc.
I barely have any clothes that fit, cannot afford them, I prioritise the needs of my children above my own. I don't have any handbag let alone a designer one! I use a baby bag which was a gift and a bag for life .

I'll just get a job though and claim the maximum childcare allowance. And probably have a breakdown and my kids will get taken into care. Then who will be saving money!!?!

I have previously worked full time so I am not lazy. My husband used to be a higher rate tax payer before we moved abroad.

Specific enough?!