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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To reduce hours when labour win election

877 replies

Parttimeplay · 24/05/2024 01:40

I fall into the “60%” tax bracket. With the upcoming elections and knowing the government always hammer the middle ground….woudlnt it make more sense for me to cut my hours for a more relaxed life, eligibility for childcare, reduced tax?

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worriedaboutthefuturenow · 07/06/2024 18:56

ThisOldThang · 07/06/2024 13:30

But the system is changing. Workers now have to pay into a defined contribution scheme and support OAPs.

The long term plan is clearly to abolish the State Pension sometime around 2060, which will be 48 years after they introduced compulsory pension contributions in 2012. I wouldn't be surprised to see it tapered before that time - e.g. I started working in 2000, so i might get 25% of the State Pension for the years accrued between 2000 and 2012. I'll be expected to have built up enough private pension to cover the remaining 75%.

The only people getting 100% State Pension will be those that have never worked, such as the genuinely disabled and the workshy. I'm not sure how they'll deal with people that actively choose to opt out of the pension contributions. I think it would be fair to give them fuck all, but i expect they'll end up getting full pensions because [insert sob story here].

That’s because people can’t really live off only a state pension and people are being encouraged to plan for that via this. There was an opt out of SERPS in the 1980’s and 1990’s which it was later then stopped because it was thought people would just opt out and not pay in to anything I believe, I don’t think the state pension will be phased out we will probably just have to pay more for it, making people contribute directly from payroll is forcing everyone to pay in to fund and also employers who were not required to contribute if the employee was not contributing.

worriedaboutthefuturenow · 07/06/2024 19:19

Spaghettily · 06/06/2024 19:58

Excellent post.

This is the greens policy isn’t it ?

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