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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

What's the one single thing a government could do to make your life better?

309 replies

verdantverdure · 29/05/2023 15:14

Mine?

Rejoin the EU.

It the single most powerful lever any government could employ.

It makes the country significantly better off at a stroke and improves all kinds of situations, growth, investment, labour shortages, farming, fishing...

What's yours?

OP posts:
Skullduggeryfizz · 30/05/2023 20:41

Increase the rate of Statutory Sick Pay or make employers pay sick pay. £109.00 is just not enough.
Increase the mileage allowance as the 30 pence an hour I am paid nowhere nears covers the cost of running my car.

Inthedarkagain · 30/05/2023 20:47

Sort the housing crisis out. Build AFFORDABLE homes for FAMILIES. Not just second home poky flats that have 10k off usual price, but proper homes that are significantly lower, so 3-4x earnings like it is supposed to be.

Solving the housing crisis would solve a host of other crises in this country. Its a no brained, but politicians are happy to continue with this current mess so they and their voters continue to build wealth.

Inthedarkagain · 30/05/2023 21:47

OrrAppleCheeks · 29/05/2023 16:02

That feels like an unnecessarily rude response in an otherwise perfectly polite thread

Indeed. These tax loopholes may well be legal but they are not moral. I do agree about housing though. The reason the economy is shit and people are struggling with cost of living shocks is because housing and childcare are so extortionate in the first place. Partner and I earn well and are pretty frugal, but childcare and housing costs have ruined our chances of owning a home and progressing in life. These issues need urgently fixing and unfortunately people's homes need to lose value for a while to sort this out.

Room102 · 30/05/2023 23:10

I think I read more factually stringent news sources than you so I know that Germany is doing some pretty tough future-proofing on the energy front which obviously has costs.(the benefits will come later)

But they still compare favourably to us on almost every economic metric.

Indeed. The UK economy was 90% of the size of Germany's prior to Brexit. Now it is 70% of the size. Go figure.

Room102 · 30/05/2023 23:19

Yes everyone, income tax in the UK is very low

That's not actually the case. The overall tax burden on middle to highly paid PAYE employees in the UK (earning £50k- £150k) is one of the highest in Europe. And for that, terrible services and pensions are received.

The discrepancy with our European counterparts is:

a) that our low to middle earners pay far lower taxes than elsewhere in the countries in Europe whose services etc people generally say they want to emulate, including us having a hugely higher tax free allowance meaning we have narrowed our tax base and a large proportion of people pay little or no income tax and NI at all; and

b) the larger disproportionate treatment of capital gains and dividends compared to income tax, meaning those who are actually wealthy pay much lower overall rates of tax on their incomes than their European counterparts. As do the self-employed, who also avoid much of NI.

So it's not a uniform picture: those in the middle are paying so much they really cannot afford more (marginal rates from £50-60k can reach over 85% with withdrawal of child benefit, and at £100-£125k they can be well over 100% due to withdrawal of personal allowance and tax free childcare etc). It is the lower earners and business owners who don't pay through PAYE that need to pay more, otherwise there is no hope of funding the services people desire.

Room102 · 30/05/2023 23:20

MrsRinaDecker · 30/05/2023 12:33

Increase the following in line with inflation each year:

  • minimum wage
  • public sector wages
  • benefits
(Was just discussing similar with ds).

And tax thresholds.

Room102 · 30/05/2023 23:21

verdantverdure · 30/05/2023 13:53

The U.K. having the highest electricity prices in the world is a major driver of U.K. inflation

That's also a myth. It was debunked on More Or Less on BBC4 as utter nonsense.

AlltheFs · 30/05/2023 23:23

Increase the threshold for higher rate tax and child benefit cut off. It has been deliberately frozen.

Then I could afford to work full time again (In ridiculous situation where our net household income is less if I work full time instead of 4 days. That shouldn’t be right).

Room102 · 30/05/2023 23:28

AlltheFs · 30/05/2023 23:23

Increase the threshold for higher rate tax and child benefit cut off. It has been deliberately frozen.

Then I could afford to work full time again (In ridiculous situation where our net household income is less if I work full time instead of 4 days. That shouldn’t be right).

They need to get rid of those cliff edges altogether. Hunt actually commissioned research into why UK productivity was so low and one key factor was people cutting hours/ not bothering to seek promotions once they hit either £50k or £100k earnings because of the completely illogical tax system and skyrocketing marginal rates of tax from removing child benefit/ the personal allowance, respectively. Both have been shown by multiple pieces of research to cost more than they save by withdrawing them. So he knows this. Did he do anything about it? No. Then Rachel Reeves was asked about it in her interview with Mumsnet not long ago and she scoffed and said it's "not a priority". Addressing something discouraging your most productive workers from working more is not a priority in a productivity and fiscal crisis? They are all utterly clueless.

ecuse · 30/05/2023 23:47

Make going to the GP feel like it did when I was a kid in the 80s and 90s. Being on the list of a doctor that knew you and having the safe expectation that most of the time you'd see them, so they had an idea of your medical history.

In fact - just being able to call and book an appointment for something non-urgent a day or two in advance...or to be able to choose to book further in the future if for example your GP was away and you wanted to wait to see them when you came back. Or if the doctor said to come back in a month, being able to schedule that in as you leave.

The GP system just feels utterly broken. It seems to exist only to give same-day urgent appointments (and only then even if you're lucky to snaffle the handful of gold dust appointments they release at 10am) or to redirect to you 111 if its so urgent you can't wait. Isn't the main point of primary care to pick minor things up early to avoid them becoming major things?

Wishitsnows · 30/05/2023 23:58

Sort the housing issue so it gets back to people in regular jobs can actually buy a house not just a flat. Also investigate the water companies and find out how much their shareholders have been fleecing everyone. Why do we have Victorian sewerage systems. Why have they not invested in over 100 years. Clearly people have been profiting and not reinvesting the money paid to them.

CheeseTouch · 31/05/2023 11:50

Room102 · 30/05/2023 23:21

That's also a myth. It was debunked on More Or Less on BBC4 as utter nonsense.

The UK has the third highest electricity prices in the world. Hardly something to celebrate! Only Denmark and Germany’s are higher and they have a renewables strategy to get prices down and create jobs for their economies. Shame the UK is so focused on ‘investing’ in oil and gas, when it hasn’t and wont deliver cheaper bills for homes and our businesses, or environmental benefits.

https://www.euractiv.com/section/energy-environment/news/berlin-lays-out-plan-to-bring-back-solar-wind-industry-on-german-soil/

Berlin lays out plan to bring back solar, wind industry on German soil

The German government is looking to acquire shares in renewable energy firms and provide support to wind turbine and solar panel manufacturers in order to encourage their production in Germany.

https://www.euractiv.com/section/energy-environment/news/berlin-lays-out-plan-to-bring-back-solar-wind-industry-on-german-soil/

verdantverdure · 31/05/2023 12:21

I stand corrected

The U.K. having the third highest electricity prices in the world is a major driver of U.K. inflation

OP posts:
Room102 · 31/05/2023 13:53

@CheeseTouch it is expensive because we have designed our pricing model to peg the price to gas even for the renewables generated. That could - and should - be changed. Also because we stopped investing in nuclear decades ago. And unbelievably we are surrounded by coastline yet import hydro power from Norway!

As with all things in the UK it is because our politicians are incapable of understanding economics and have no long term plans whatsoever for energy security, food security, healthcare, industrial strategy, water security, flood defence, international trade, demographic shifts, etc. Immigration is another hilarious area. There is likely to be population collapse everywhere outside subsaharan Africa in the next 2-3 decades and they are trying to reduce immigration?! Unfortunately it is a case of pay peanuts, get monkeys.

Zippedydoo123 · 31/05/2023 13:55

Lower the state pension age to 64 or 65. That way I only got 4 or 5 years before my money improves. I do intend to continue working though until either my health gives way or age 75.

LlynTegid · 31/05/2023 13:56

Keep British Summer Time all year round. We could make much more use of afternoon daylight than in the morning.

Room102 · 31/05/2023 13:57

Let alone the second industrial revolution that is coming our way and will make many jobs obsolete. Is the education and social system being reformed to manage this? Of course not.

I'm afraid that there is nobody in the HOC remotely capable of doing the job properly. None of the key issues that should be their top priorities feature much in any of their interviews, it's all slogans and nonsense. Infantilising and facile.

AlltheFs · 31/05/2023 14:03

Room102 · 30/05/2023 23:28

They need to get rid of those cliff edges altogether. Hunt actually commissioned research into why UK productivity was so low and one key factor was people cutting hours/ not bothering to seek promotions once they hit either £50k or £100k earnings because of the completely illogical tax system and skyrocketing marginal rates of tax from removing child benefit/ the personal allowance, respectively. Both have been shown by multiple pieces of research to cost more than they save by withdrawing them. So he knows this. Did he do anything about it? No. Then Rachel Reeves was asked about it in her interview with Mumsnet not long ago and she scoffed and said it's "not a priority". Addressing something discouraging your most productive workers from working more is not a priority in a productivity and fiscal crisis? They are all utterly clueless.

Oh absolutely, I completely agree. I’m definitely trapped in my current circumstances. Now at the moment it is fine as I have a young DD and there’s a benefit to me being slightly part time. But once she is in school next year I’d like the option to move back to full time but if nothing changes we can’t actually afford for me to do it.

TheFTrain · 31/05/2023 14:06

Sort out the NHS. My DC had a massive injury well before Christmas and we've literally had our first appointment to see a consultant today. DC needs a big operation, will be given priority, but we have absolutely no idea if this will happen next month (v unlikely) or next year.

Room102 · 31/05/2023 14:08

It is ridiculous. If you use childcare then to get back to the same net pay you would have from £99k you need a payrise to over £150k in on go - just to bring home the same money. If you earn £1 over £100k you lose tens of thousands of pounds in net pay overnight. Obviously people work less when tax rates are extortionate but when the deductions are well over 100%... do they think people will work more not just for free but at a loss? Confused

Room102 · 31/05/2023 14:31

I also think it is shambolic how disabled people are treated in the UK. There needs to be huge investment here for proper services, proper educational provision, proper inclusion in the workplace, and disability benefits like PIP and DLA need to be at least doubled to actually cover the costs of disability on top of normal living costs, as they are meant to.

State pensions should be based on a % of the amount contributed not just the number of years, like in most other European countries. As should unemployment pay, with far more focus on a contributory system.

Part of the problem the UK has is that there are a great many people who contribute little or nothing then wail that public services are terrible. Well of course they are when so many people can choose to work part time and have their living costs subsidised. There are posts on here about it all the time, how people can have the same income choosing to have a SAHP or one parent working minimal hours and the taxpayer pay a large chunk of their rent and living costs for example. Some moves are being made to change this which is good as it is not sustainable or reasonable and that money should instead be used for decent quality education, healthcare and support for the disabled.

Oh and obviously - it goes without saying as it's so obvious - any Government that actually cared about the standard of living in the UK would rejoin the single market and customs union immediately.

Ultimately the services people want can't be funded unless everyone pays much more tax. Often people say they are happy to but they are people paying a few hundred pounds per month and are thinking what, an extra £50-£100 will do it? It won't. Mostly the expectation seems to be that they say this but what they mean is that other people should pay more.

The wealthy in the UK who earn their money in dividends/ from investments need to pay far more for sure: raise capital gains and dividend tax to the level of income tax. But due to the maths, even if that happened, it won't be enough. The only way to do it is to widen the tax base again, reduce the personal allowance and raise the basic rate of income tax substantially. People need to put their money where their mouth is and realise that it's not other people who need to fund it all for them: the systems they wish for are paid for in those countries because everyone pays more tax. People earning under £50k in the UK pay next to nothing, not even enough to fund their current services so how can they be improved?

Then you also get social cohesion and any support for services collapsing because they are funded by only a small proportion of people, and increasingly those people are even prevented from accessing them as well as paying for them for themselves and others. Not a good idea: that is the fastest way ever to erode support for public services which - cynically perhaps - I think is one reason this has been done. And like Brexit, sadly a proportion of the British population is economically illiterate enough to have fallen for it.

But obviously people in those earning brackets can't pay more at the moment because we've all been impoverished by bad economic management and Brexit. The only way to fix it all therefore is for productivity to rise because that is the only way for living standards and salaries to rise in proportion to the cost of living. Which brings me back to my original list: long-term plans for the economy and industrial strategy (infrastructure, SM and CU, fixing the tax system per above, support for start-ups to grow new businesses), huge investment in education and technology and linking that to businesses and technical apprenticeships and retraining mid-life, water/ energy/ food security, long-term plans...

Oh dear. I do not hold out much hope because ALL of our politicians are too incompetent to do this. It doesn't even appear to be on their radars.

Room102 · 31/05/2023 14:59

The same as salaries increased far above inflation sustainably in previous times of technological development, they can again. Nobody should underestimate the technological changes that are coming very fast in the next two decades, on a scale not seen before. I've been telling people this would come in 2030-2050 since the 1990s but people don't seem to understand the scale. And we can capitalise on that and reimagine our social structures and systems but ONLY if resources are directed to the right areas now to increase productivity with infrastructure and research support, get water/ food/ energy security in place and make HUGE investments now in reforming education. A tripling of funding per head for primary/ secondary schools and far more focus on technology. Otherwise we will just get poorer and poorer. The balance of payments deficit has quadrupled since Brexit (it was bad enough beforehand). GBP continues to collapse, we rely on imports for essentials and have a falling currency value. None of this will change without action on what I've said. Why would foreign investors continue to fund our deficit annually when there is no prospect of growth here and no plan and no productivity rise? We have been falling into a self-perpetuating downwards spiral hence the rising interest rates and the time remaining to climb back out before it becomes a black hole and we cross the event horizon is now limited.

It is disappointing to see a thread like this - and so many others so not an attack on you OP! I mean the responses more tbh - with so many demands but nobody thinking about any type of coherent plan in terms of "how would you actually achieve this? How will it be paid for?"

I don't know if it's that people don't understand economics and only think about what affects their own circumstances, and just think someone else should/ will/ can sort it out, or what. But unless the British electorate actually engages in some realism and a holistic view of not just what needs to change but how this can be done, then there will be no pressure on politicians to actually have any long-term and achievable coherent plans to improve things and actually implement them, and therefore nothing will change and it's black hole bye bye time. Ultimately if the electorate refused to informed themselves and demand their politicians stop talking rubbish and do what needs to be done they will of course just continue with three word slogans and promising the moon on a stick and doing nothing and people should not then be surprised when they continue to get poorer year on year, because without these changes it is inevitable.

CheeseTouch · 31/05/2023 15:58

Room102 · 31/05/2023 13:57

Let alone the second industrial revolution that is coming our way and will make many jobs obsolete. Is the education and social system being reformed to manage this? Of course not.

I'm afraid that there is nobody in the HOC remotely capable of doing the job properly. None of the key issues that should be their top priorities feature much in any of their interviews, it's all slogans and nonsense. Infantilising and facile.

I totally agree @Room102 The UK has some phenomenally capable, if not world class people in these fields, and yet our brand of doing politics is so toxic, they don’t want to stand for election or even join a political party. I have felt so desperate about all of these issues - energy security, food security, disabled rights, business strategy, I considered it, but as an ethnic minority female heading towards retirement, I’m not sure I have the energy to deal with the truth twisters. There are some good politicians in the mix, but how they keep themselves going is anyone’s guess.

breadwidow · 31/05/2023 17:58

LlynTegid · 31/05/2023 13:56

Keep British Summer Time all year round. We could make much more use of afternoon daylight than in the morning.

Ah forgot this one too, though I'd go one louder and move us to Central European Time, so we are one hr ahead of current time. Still have daylight saving so even lighter evenings in summer, but also more light winter afternoons. Does mean Darker mornings but proven to benefit most (will likely reduce traffic collisions plus encourages more people to exercise. There was a pretty big campaign for the change about 10 years ago (www.wearepossible.org/lighter-later) but since bigger problems like Brexit and COVID have eclipsed it. I hope one day we can pay attention to it again

TheWernethWife · 31/05/2023 18:31

Use the River Trent as a natural border and give us northeners our own parliament, either base it in Leeds or Manchester.

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