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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Every household?????

638 replies

Trainfromredhill · 26/05/2022 22:33

So, the chancellor is going to give every household £400 for heating. Surely there should be a cut off of household income? The Beckhams, Elton John, james Dyson, Harry styles…….they all get the money too? . I say this as someone in the fortunate position of not needing the £400- I’d much rather it went to someone who does need it.Just seems a huge waste of public money to give it to everyone

OP posts:
mybiggestfan · 29/05/2022 22:07

I agree that in an ideal situation it would be means tested, however this would cost more to administrate than simply giving it to us all. I dont need the money I will put my £400 into the local food bank. Hopefully others will follow suit.

SlightlyGeordieJohn · 29/05/2022 22:13

GuildfordAngel · 29/05/2022 13:53

As far as I am aware, 2nd homes will not receive the payment.

How so? It’s coming off bills, how’s anyone going to know which bill is for a second home?

Threadkill · 29/05/2022 22:16

Also, energy prices are approaching their second peak and I think (personally) will come down afterwards as demand destruction (energy becoming simply too expensive to use) kicks in and Ukraine situation eventually gets resolved (prob around same time as Boris leaves number 10 and Trump gets back into Whitehouse) and China goes into recession dragging world with it. But I wouldn’t bet my house on this prediction! However, remember that a mere year ago oil prices where negative! Oil producers were having to pay refineries to take it off their hands). Things can change v quickly in this ole world.

Rosscameasdoody · 29/05/2022 22:34

Morph22010 · 29/05/2022 11:50

If it’s going to be paid for many years to come then I think a completely different system needs to be developed, but that will take time and this payout is just a crude sticking plaster so it can be done quickly. I completely agree with you about our situation and that it needs to be better targeted. Back when Ds was born in 2010 we were entitled to a low amount of tax credits, I wasn’t on the income I am now but still a decent salary. This was under the labour government and I recall your household income could be relatively high and you still got the basic level of tax credit. Maybe something like this could be brought back as it would collect data on household income and allow targeted extra payments to be made as and when. But then this wouldn’t be fair to single people with no children and it’s just as expensive for them to heat a house. The arguement against tax credits being operated like this was that what was the point In taxing people to then give them money back you might as well just increase the tax allowances so they could earn more before paying.

i don’t know the answer. There were complaints up thread about disabled people only being entitled to £150 when pensioners were entItled to £300 but then my particular situation demonstrates why all disabled people don’t need a higher a higher amount.

it’s just so complicated once you start thinking it all through, whatever system there is always people that gain and people that lose out.

How does your situation demonstrate why disabled people don’t’ t need a higher amount ? Sorry, you’ve lost me.

Morph22010 · 30/05/2022 05:09

@Rosscameasdoody i have a disabled child who we get dla for but as he is in school we both work around school hours and I earn £60k dh earns £25k so our household income is £85k so we are an example of why all disabled people don’t need extra £150as dla is not means tested. If disabled people/ families with a disabled child have a lower income and do need the money then they will probably also be on another means tested benefit like universal credit. Before people start saying we shouldn’t claim Dla is not just a financial benefit it also entitles you to other support that is not financial, lots of places you have to show dla as proof, or for example you can get a blue badge if you have high rate mobility dla.

TigerRag · 30/05/2022 06:49

Morph22010 · 30/05/2022 05:09

@Rosscameasdoody i have a disabled child who we get dla for but as he is in school we both work around school hours and I earn £60k dh earns £25k so our household income is £85k so we are an example of why all disabled people don’t need extra £150as dla is not means tested. If disabled people/ families with a disabled child have a lower income and do need the money then they will probably also be on another means tested benefit like universal credit. Before people start saying we shouldn’t claim Dla is not just a financial benefit it also entitles you to other support that is not financial, lots of places you have to show dla as proof, or for example you can get a blue badge if you have high rate mobility dla.

If only your situation was the same as everyone elses.

It, according to Scope, costs on average £583 per month extra for a disabled person. Whilst that £150 will help, it won't go far.

Morph22010 · 30/05/2022 07:18

@TigerRag i do appreciate I am in a lot more of a fortunate position financially than others, I know lots of parents who have had to give up work due to difficulties with schooling etc. We have just fallen lucky in that the school he is in we have found jobs that we can work round him so we can do drop offs and pickup as there is no childcare availability. I do feel like I’m running round like a headless chicken all the time and it is really stressful and I could do with cutting down hours but I am really worried about Ds’s future and especially when he leaves school as we will no longer both then be able to work as he’ll need supervision so im trying to save as much as I can and pay into my pension whilst I have the opportunity to be earning this amount. We get middle rate care and lower rate mobility for Ds so it’s around £380 every 4 weeks and then I also get £250 a month travel allowance from the la for taking him to school. But then things like child care, if you can find, cost alot more than for non disabled kids. Last year I paid an extra £50 a day for a 1-1 at a holiday club on top of the usual fee that other kids pay so that’s the kind of thing the dla goes towards

Seymour5 · 30/05/2022 17:42

Pensioner couple here, in a band B house. Neither of us has enough in pensions to pay income tax, so we’re far from well off. However, we’re just too well off to receive Pension Credit. DH has a limiting condition that means he feels the cold, and rarely goes out, so our heating bills are quite high. He never claimed DLA, and once you’re over state pension age, forget it.

We’re grateful for the extra £300.

Babyroobs · 30/05/2022 19:59

Seymour5 · 30/05/2022 17:42

Pensioner couple here, in a band B house. Neither of us has enough in pensions to pay income tax, so we’re far from well off. However, we’re just too well off to receive Pension Credit. DH has a limiting condition that means he feels the cold, and rarely goes out, so our heating bills are quite high. He never claimed DLA, and once you’re over state pension age, forget it.

We’re grateful for the extra £300.

He could definitely look at claiming Attendance Allowance if he has health conditions which mean he needs help with personal care etc. in my experience it's a lot easier to get than DLA/ PIP etc. Speak to AGE uk, they can send you a factsheet and help with form filling if needed.

breadwidow · 30/05/2022 21:52

@rainingsnoring just seen you replied to my post on child benefit- that's me, just sneaked over £60k and I'm tempted to cut my hrs to keep the benefit as with that loss plus tax I'm no better off being promoted!

It also really pisses me if it's done on income if one parent not the household - my DH earns very little yet we lose it, couple who both earn £49k each get to keep the lot

Morph22010 · 30/05/2022 22:43

breadwidow · 30/05/2022 21:52

@rainingsnoring just seen you replied to my post on child benefit- that's me, just sneaked over £60k and I'm tempted to cut my hrs to keep the benefit as with that loss plus tax I'm no better off being promoted!

It also really pisses me if it's done on income if one parent not the household - my DH earns very little yet we lose it, couple who both earn £49k each get to keep the lot

Put more in a pension scheme as you can deduct pension contributions in calculating your earnings for high interest child benefit purposes

Alexandra2001 · 31/05/2022 09:01

Morph22010 · 30/05/2022 22:43

Put more in a pension scheme as you can deduct pension contributions in calculating your earnings for high interest child benefit purposes

These posts do illustrate the folly of £400 for everyone.

Whilst many are struggling with heating or eating, plenty of others are talking about higher income effecting CB and paying extra into their pension schemes..... yet will still be getting the £400.

Meanwhile, Cornwall council is selling off for development, all its outdoor leisure centres.... got no money.... some of these places have taught children how to swim, climb, canoe etc for generations but plenty of cash to buy off Con voters.

Seymour5 · 31/05/2022 13:03

Babyroobs · 30/05/2022 19:59

He could definitely look at claiming Attendance Allowance if he has health conditions which mean he needs help with personal care etc. in my experience it's a lot easier to get than DLA/ PIP etc. Speak to AGE uk, they can send you a factsheet and help with form filling if needed.

Thanks, but his personal care, mobility etc is pretty much ok. He is in no pain, just has a dodgy ticker and needs to take things steady. Hence being at home a lot, and needing warmth, like many older people. I’m involved locally with Age UK, and familiar with the help thats available. He wouldn’t qualify.

After being unaware when he was seriously ill in his 50s about benefits like DLA, I’ve educated myself. I learnt (too late) he should have had care and mobility elements for at least a couple of years when he had a serious heart attack, when angina meant he could only walk a few yards, then when he was slowly recovering from open heart surgery. The effect of that illness meant his income went down considerably afterwards, with the knock on effect on any extra pension. DLA would have helped immensely, but as I worked we thought we just had to soldier on.

Rosscameasdoody · 01/06/2022 20:55

Babyroobs · 30/05/2022 19:59

He could definitely look at claiming Attendance Allowance if he has health conditions which mean he needs help with personal care etc. in my experience it's a lot easier to get than DLA/ PIP etc. Speak to AGE uk, they can send you a factsheet and help with form filling if needed.

I agree. Claim attendance allowance - there is no mobility but the higher rate pays nearly £370 a month. Well worth claiming.

Rosscameasdoody · 01/06/2022 20:59

Alexandra2001 · 29/05/2022 16:33

@Morph22010 I thought the 400 was a credit on their account? but you re right, the real risk is the additional 650 will be spent and not on energy.

I'd like to have seen a targeted scheme to insulate properties, this ultimately (for many people) will mean a real reduction in energy use.

Even if it’s not spent on energy it will boost the economy.

Rosscameasdoody · 01/06/2022 21:02

Nothappyatwork · 28/05/2022 21:30

HMRC use something called RPA, robotic process automation they know how much every single one of us earns in a heartbeat, it’s literally at their fingertips so this is a deliberate decision to give everybody the money absolutely nothing to do with the cost of administration.

But it’s not linked to benefits, so anyone that is just over the limit for UC or other means tested benefit would lose out if it wasn’t for the £400 universal payment. UC isn’t earned, it’s a DWP benefit to top up earnings and replace non legacy benefits. So not really at their fingertips for everyone ……….

Rosscameasdoody · 01/06/2022 21:05

Alexandra2001 · 31/05/2022 09:01

These posts do illustrate the folly of £400 for everyone.

Whilst many are struggling with heating or eating, plenty of others are talking about higher income effecting CB and paying extra into their pension schemes..... yet will still be getting the £400.

Meanwhile, Cornwall council is selling off for development, all its outdoor leisure centres.... got no money.... some of these places have taught children how to swim, climb, canoe etc for generations but plenty of cash to buy off Con voters.

Why is it folly ? It may pay out to some who don’t need it, but surely that’s worth it if those who earn a pound or two more than the pathetically low tapers and thresholds for means tested benefits will benefit and at least get something. Would people please stop acting like it’s their own money and maybe think of those who fall between the cracks ?

Rosscameasdoody · 01/06/2022 21:09

SlightlyGeordieJohn · 28/05/2022 21:27

Which is fair enough, as they don’t need it if it’s included in their fixed rent.

The money is to pay for energy, not a handout to the poor.

I hope you’re ashamed of that comment. We’re ruled by a government of people who have more money than they know what to do with, and you begrudge £400 to someone who’s probably paying an inflated rent to a fat Tory voter. FFS !!!

Rosscameasdoody · 01/06/2022 21:15

steve6375 · 28/05/2022 19:27

If 400 a year is not much for you to miss, then if you open a tax free stocks and shares ISA account and add just 400 into it each year, you will typically have 72k after 30 years by investing in a world index ETF. Anyone can do this and it would be quite handy in your retirement and costs just over £1 a day for very little risk. Einstein said compound interest was the eighth wonder of the world and he wasn't wrong!

And if you’re so strapped for cash that you don’t know where you would find £400 a year ?

Rosscameasdoody · 01/06/2022 21:21

Babyroobs · 28/05/2022 11:53

He will get £650 handed to him if he has a UC claim due to being out of work.

N he won’t. They take into account the work allowance.

Rosscameasdoody · 01/06/2022 21:24

Mrsmch123 · 28/05/2022 09:03

its about time people who earn more get a little something back for sure!im sick of being told I "earn to much".

Why ? Are you saying you’re more of a priority than someone working three jobs and still not making ends meet ? Because I would have though ‘getting a little something back’ means more to them than you - like the difference between being warm and being fed.

Rosscameasdoody · 01/06/2022 21:28

FOR THE LOVE OF GOD. IF YOU DON’T NEED THE MONEY, DONATE IT TO YOUR LOCAL FOOD BANK. THAT WAY, SOMEONE WHO DOES NEED IT WILL BENEFIT. IT’S THE SIMPLEST METHOD OF REDISTRIBUTION OF WEALTH. MUMSNET IS A BLOODY JOKE - SOME PEOPLE JUST POSTING BY WAY OF A BRAG THAT THEY EARN TOO MUCH TO NOTICE £400. WELL GIVE IT AWAY THEN AND STOP MOANING !!!!!!

Rosscameasdoody · 01/06/2022 21:31

Pippainthegarden · 28/05/2022 10:46

The criteria are a very crude threshold though, you can own a 600k house and have a fantastic pension but still be eligible for universal credit or could be a young family with 4 children on 32k and a high mortgage or even renting and trying to save up for a deposit on a house and not entitled to anything. I’ve been in the benefits and just getting by boats and the animosity I see on here towards people on UC saddens me but assuming that anyone not on UC is well off or isn’t true either and I can understand their view that for all the extra effort they often really aren't that much better off then people on benefits and nice they are considered once in a while. Personally I feel the balance of help is about right and taking the £400 off the just getting by families to give £1600 rather than ‘just’ £1200 to those on benefits would cause a lot of understandable resentment

If you have a fantastic pension you won’t be entitled to UC and the DWP don’t contribute anything towards mortgage payments.

Rosscameasdoody · 01/06/2022 21:34

breadwidow · 28/05/2022 16:02

Not read the whole thread admittedly so someone may have said this, but to everyone saying it's too hard/expensive to means test it in anyway, my answer is child benefit. This was universal til 2010 when it was partially taken away for this earning over £50k and fully taken away for everybody earning over £60k. This forced millions into self assessment and I think probably has been massive admin pain abs cost but proves where there is a political will to means test there is a way. I think the tories are much more willing to find ways to cut benefits for working people, who are far less likely to vote for them, than pensioners. It's also easier to means test based on income rather than wealth. I expect this is the reason that the fuel payment is going to everyone

I agree, but CB is ongoing. It’s not the same for short term or one off payments.

dottiedodah · 01/06/2022 21:38

There is a chap with 7 houses.says he's claiming 400 a piece ! Just wtaf? Bizarre