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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

This may be unpopular - but what about the squeezed middle?

590 replies

AndroidUsername · 24/10/2022 07:43

They are talking about raising taxes on the average person now. Which will really effect lower middle class families who are already feeling the pinch due to increases in cost of food, gas and electic, increasing childcare costs and rent or morgage increases. They are going to increase pensions and benefits with inflation but lots of middle class earners are not having their wages increased with inflation but will now have their taxes increased. What about help for the middle class, especially lower middle class and working class who earn slightly to much to qualify for any help but will now stuggle with all these increases.

OP posts:
neverbeenskiing · 24/10/2022 10:30

WatchoRulo · 24/10/2022 09:34

Fuck off with all the casual ageism, sick of it. Replace old with Black and have a think......

I think it's you that needs to "have a think", that analogy makes no sense whatsoever. It's quite reasonable, in fact necessary, to bring age into the conversation when talking about pensions, social care and inheritance tax whereas ethnicity has no relevance whatsoever.

WahineToa · 24/10/2022 10:31

I think access to the NHS should be means tested. £15 for a Dr appt if you earn more than £40k.

The stupidest idea I’ve ever heard. Ridiculous. You’d be better off spending money targeting people who don’t follow basic health and lifestyle advice now. They burden the NHS.

ilikesscience · 24/10/2022 10:31

mast0650 · 24/10/2022 10:18

a family with an income of 100k could qualify for child benefit, 30 free hours & tax free childcare. The last 2 a 200k income family could get. I don't have an issue with that though.

Thanks. I thought child benefit stopped at 50k, but it is phased out from 50k to 60k. Not sure I would really "count" the second two. Everyone gets free childcare hours in the same way as free school and free NHS. Or indeed free roads and street lighting!

I guess someone of pension age who has private income of over 100k still gets the state pension (but it would be taxed at high rate).

All a bit of a red herring when it comes to defining the "squeezed middle" which was the point of the post referring to those just above the threshold for help though.

A couple with 2 incomes around 50k would get full child benefit still (we earn over 110k combined and get the full amount).
The 30 free hours is still help with childcare costs, as is tax-free childcare, and it's not available to all as those earning over 100k individually don't get it.

We will be able to weather almost all increases we face. But mainly this is due to luck in that we both have jobs that increase slightly in salary year on year, and we have had significant pay rises (promotions) since taking on our mortgage so we have the capacity to cope with increased payments there. But I can easily see how others who bought a similar (basic) house at the same time may struggle if their wages have not increased

Whataretheodds · 24/10/2022 10:31

Magn · 24/10/2022 08:11

I had a bit of a look in to this after a recent thread. Apparently fewer than half the people in this country are net contributors via tax which is much lower than it was say 50 years ago, largely driven by the percentages of retired people. This makes it much harder to raise support as fewer people are worth taxing so you need to raise their taxes more for the same outcome, and at a point where all their costs are going up too. I don't know what the answer is.

I remember learning about this impact of the ageing population in school 25 years ago. One of the solutions was to enable skilled, unskilled and sem-skilled labour immigration...

midgetastic · 24/10/2022 10:32

Paying for health if Not receiving
benefits simply means that more people will be better off on benefits

Paying for health means more people waiting too late for help

Would asthmatics get their annual review for free ? What about people who need multiple appointments each month for a disability or MS?

Paying for wasted appointments however is a no brainier

bercan · 24/10/2022 10:32

Don't hate the old

Target the bloody rich

No one hates the old, most of us are old or have older parents, gps.

It's unrealistic to target the global elite & ignores the fact that the wealthy in this country tend to be older simply due to assets. If you want to target the rich you can actually reach it's going to be the old people of the country.

doobedooboom · 24/10/2022 10:32

midgetastic · 24/10/2022 10:10

Why should the10% with half the wealth of the country not fund stuff ?

Imagine - they could be brought down to average levels and everyone else 90% could have twice what they have now

That's where we need to look - up lift

It's seems much better than leaving them alone and raising a teachers pension fund , bringing the 90% down to subsistence levels

( not sure but it might well include strong taxes on a 1.5 million house )

Why on earth would a high earner keep doing the job to pay more taxes and receive average??? The lack of understanding how things work either in theory or reality is astounding on this thread

woff45 · 24/10/2022 10:33

@PotKettleB if that happened I would want more choice in my health care, frankly, I wouldn't be happy to pay for some of the care I've had in the NHS, I tolerate it because it's publicly funded. If they started a charge system I would want to see more private options, and that's a slippery slope, it's no longer universal health care.

PotKettleB · 24/10/2022 10:33

WahineToa · 24/10/2022 10:31

I think access to the NHS should be means tested. £15 for a Dr appt if you earn more than £40k.

The stupidest idea I’ve ever heard. Ridiculous. You’d be better off spending money targeting people who don’t follow basic health and lifestyle advice now. They burden the NHS.

Oh good stuff - you’ve gone one better than my tongue in cheek suggestion.

Let’s tax anyone over a BMI of 25 an extra 20%. And if they can’t work, let’s reduce their benefits proportionately to their weight or alcohol intake.

BerriesOnTop · 24/10/2022 10:33

Illybidol · 24/10/2022 08:23

Perhaps lots will use their Irish ancestry passport to escape UK and start again in mainland Europe? I’ve certainly seen a few take off for new lives recently France, Spain, Portugal. It’s what happens when people are cornered they look for an escape. So who do the government turn to milk when their usual cash cow has fled to pastures new? Will the lower income or those on benefits suffer whilst the super rich avoid supporting them? Sounds like a recipe for a revolution

This malaise isn’t just British in nature. It’s all
over Europe. Don’t think you can just escape to somewhere in Europe—they are all facing the same challenges. You may have to go further afield to the US, Canada or Australia.

Who would go to Spain for a serious job? It’s got serious unemployment issues, Portugal really has nothing to offer unless you are in tourism.

DullAndOvercast · 24/10/2022 10:33

Magn · 24/10/2022 08:11

I had a bit of a look in to this after a recent thread. Apparently fewer than half the people in this country are net contributors via tax which is much lower than it was say 50 years ago, largely driven by the percentages of retired people. This makes it much harder to raise support as fewer people are worth taxing so you need to raise their taxes more for the same outcome, and at a point where all their costs are going up too. I don't know what the answer is.

I don't think the population wants to acknowledge this so politically it's avoided.

I think NHS reform looking at European co-pay systems now would be a good idea - because I worry we'll end up with US disaster if we don't - as that's how their "system," developed everyone assuming some sort of fair system would develop and then corporate greed setting in - but politically touching NHS not really possible so it's back door privatisation - or creeping piecemeal like NHS dentistry and possibly GP accessibility.

midgetastic · 24/10/2022 10:34

I understood that Retired people pay taxes if their pension income brings them sufficient to meet the usual
Criteria ?

I think it's just the national insurance element they may not have to pay

So if lots of retired people are not paying income tax it's because they have an income less than the personal allowance

Hardly rich then!

bercan · 24/10/2022 10:34

I favour a healthcare model like France person

bercan · 24/10/2022 10:34

personally

Worriedddd · 24/10/2022 10:35

Whataretheodds · 24/10/2022 10:31

I remember learning about this impact of the ageing population in school 25 years ago. One of the solutions was to enable skilled, unskilled and sem-skilled labour immigration...

No because you are just creating a pyramid scheme. Everyone gets old including unskilled migrants they will also need health, social care and pensions. Then you need increasing numbers of people to fund this.

Alexandra2001 · 24/10/2022 10:36

Lozzybear · 24/10/2022 10:08

@midgetastic do you know what the average inflation rate is in the EU? It’s 10.9 so higher than the UK. Brexit is not the driving force.

The EU isn't a country, should the UK's inflation rate be taken as the average across the Common Wealth? or the USA's across Nafta countries?

Look at comparable economies in Europe, France has inflation at 6%, Spain at 9% and falling.
Germany is similar to ours, driven by their very high reliance on imported gas.
Italy 9.4% again imported gas prices.

UK should not be comparing itself to Bulgaria or Portugal.

The £ is weak, driving up import costs and it costs more to export to the UK from the EU... thats what you voted for.

BUT the real difference is in Govt borrowing costs, only Italy has similar, international investors are charging a premium to lend to the UK and have done for several years, long before Truss doubled them.

DamnUserName21 · 24/10/2022 10:37

WahineToa · 24/10/2022 10:31

I think access to the NHS should be means tested. £15 for a Dr appt if you earn more than £40k.

The stupidest idea I’ve ever heard. Ridiculous. You’d be better off spending money targeting people who don’t follow basic health and lifestyle advice now. They burden the NHS.

It's not stupid.
The NHS is it's current form is not sustainable.
People should co-pay. I very much hope we follow social insurance schemes as in France and Germany. It should be means-tested.

midgetastic · 24/10/2022 10:37

Most people actually are not money motivated

Most people once they have around 50k income are more motivated by the job itself or the work life balance or the status - not the money

The lack of understanding of human nature on this thread is astounding yes -

( yes not everyone but on average , so if you are strongly money motivated you are unusual )

midgetastic · 24/10/2022 10:38

Our GDP is considered to be 5% lower as a direct result of brexit

bercan · 24/10/2022 10:38

@midgetastic do you understand there is a difference between income & assets?

www.thetimes.co.uk/article/one-in-seven-own-a-second-property-at-age-70-fgrklhmlg

bercan · 24/10/2022 10:40

No because you are just creating a pyramid scheme. Everyone gets old including unskilled migrants they will also need health, social care and pensions. Then you need increasing numbers of people to fund this.

well now we have the upside down pyramid. How is that funded?

DamnUserName21 · 24/10/2022 10:40

Worriedddd · 24/10/2022 10:35

No because you are just creating a pyramid scheme. Everyone gets old including unskilled migrants they will also need health, social care and pensions. Then you need increasing numbers of people to fund this.

Well, unless, Brits start pushing out more children then encouraging younger immigrants to the country is exactly what will need to happen...so they can pay taxes, look after old and sick, and, generally, keep the country going.

PrestonNorthHen · 24/10/2022 10:41

hettie · 24/10/2022 09:12

We are all about to get a reality check as to UK PLC's real place in the world, both ecenomic and influence. We are a declining nation clinging to the idea that e are special 'great' or should somehow just because be better than Germany, France or Poland. I think the national malaise is an inability to think long term. We don't plan let alone complete and finish a plan. We are chancers addicted to a quick fix (quantative essing, tax cuts btexit miraculously giving us instant cash for the nhs) with a complete buy now pay later mentality that operates in the personal and private and state sector's. An aging population, climate change/switching from fossil fuels/skills shortages etc were all utterly predicted...The NHS for example had been begging for a work force plan for 15 years. Did we plan for any of these raging certainties. Did we bollocks. So here we find ourselves... declining.... which means our overall standard of living will decline. Because every time any politician goes to the electorate with any whiff of something that's about investing now for our future the 'people' reject in favour of quick fixes and absurd promises of jam tommorow. We are a nation of toddlers with poor impulse control. Honestly I reckon if you did a country by country league table rating the population on the Stanford marshmallow test we'd be bottom third...

👏
In regard to the NHS we knew in 1988 that 2020 would see 35% of nurses reaching retirement age.
What was done to mitigate this?
Nothing.
I have to laugh reading the governments Covid plan was to pull retired NHS staff back into service when actually what has happened is that anyone remotely near retirement age has retired early.
The average age (special classes) has dropped from 55 to 51
Its a disaster!

ArseInTheCoOpWindow · 24/10/2022 10:41

*The NHS is it's current form is not sustainable.

People should co-pay. I very much hope we follow social insurance schemes as in France and Germany. It should be means-tested.*

And yet when we had an nhs dental service, people couldn’t afford the fees.

Will we have a huge reduction in tax for this? I would rather pay higher taxes and have a functioning nhs.

Lily073 · 24/10/2022 10:41

Why should the10% with half the wealth of the country not fund stuff ?

Why should they? They're not cash cows to be milked at will.