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Share your dilemmas and get honest opinions from other Mumsnetters.

To say the £35k winter fuel threshold is way too high!

1000 replies

chocolateismyweakness4 · 09/06/2025 13:21

The threshold needed to be raised, but £35k?! I wish I earned that and I have a mortgage and commuting costs. It also doesn’t take into account savings (so they could have millions in the bank) or household income.

We all know it’s a bribe, but they still won’t get pensioners to vote for them.

OP posts:
Thread gallery
8
Angrymum22 · 09/06/2025 17:26

rainingsnoring · 09/06/2025 17:10

Clearly it wasn't impossible back then because far more people managed to buy a home at a much younger age, usually without parental help, certainly not large gifts of £.
Your parents were fortunate to have had free University for their children and relatively low accommodation costs. Grants were also available for those on lower incomes. What you state that your mother did is standard now as most families have two earners. Have you seen the amount that most parents are required to contribute now?
At least you appear to agree that your technology argument is a nonsensical one.
No one is suggesting that all older people had an easy life, far from it, but financially, things are undoubtedly much harder for younger generations than they were for the boomer generation overall.

I didn’t don’t say it was impossible but that it was impossible without family help. 100% mortgages were not available and depended on much lower ratios. Houses were priced according to the market and on several occasions the market boomed then went bust leaving people in negative equity or homeless.
It wasn’t as rosy as you paint.

MrsSkylerWhite · 09/06/2025 17:28

JenniferBooth · 09/06/2025 17:22

We have one bus an HOUR and no Sunday service. So ppl working in retail outlets on a Sunday are basically working to pay their taxi fares there and back. Even worse on Boxing Day Total piss take

Edited

This occurred to me at a motorway services a little while ago. Do buses stop at them? If not, how on earth do minimum wagers get to night shifts? They certainly won’t be able to run a car.

lechatnoir · 09/06/2025 17:29

Whilst I agree it’s too high, I’m pleased there is at least a cap. Giving it to those with millions in the bank and hefty pensions was a nonsense so at least this way some of those wealthy pensioners are excluded. Be interested to know how they came up with figure.

IloveSootyandSweep · 09/06/2025 17:30

MrsSkylerWhite · 09/06/2025 17:28

This occurred to me at a motorway services a little while ago. Do buses stop at them? If not, how on earth do minimum wagers get to night shifts? They certainly won’t be able to run a car.

Has any of that really changed though over the years.
Apreciate there wasn’t Sunday opening but there were still night shifts.
We didn’t have a car, my mum cycled to her night shift, there were no buses

JenniferBooth · 09/06/2025 17:32

Livelovebehappy · 09/06/2025 17:26

Have you ever wondered why you only have one bus an hour? Guessing due to lack of demand. Bus companies are running a business too, and I’m sure can’t afford to have three out of four buses running empty every hour.

Ever heard of managed decline?

Nope Course you havent

ByLemonFish · 09/06/2025 17:33

Meadowfinch · 09/06/2025 15:45

That's £2,730 a month cash income as a threshold.

Assuming they spend £1,000 on rent, £200 on council tax, £200 on food, £300 on bills (home all day), £250 running a small car, £100 on clothes and £100 on hobbies, I would have thought they still have plenty of money spare.

I'd expected them to set the threshold at £20k-£25k annual income.

I'm surprised.

£200 a month on food??? What world are you living in? £50 a week lol, I wish

Zanzara · 09/06/2025 17:34

roshi42 · 09/06/2025 14:04

In what universe is a grand a month free??? That’s for a full time place with the maximum 30 funded hours. As if older generations paid anywhere near that much!!

We paid a bloody fortune, less maternity leave, no free hours, no tax allowance worth a couple of grand and it was crippling. Thanks for your concern.

CorvusNoir · 09/06/2025 17:35

Just throwing this in : Age UK's last report ( 2022) and statistics on poverty in later life in the UK. Worth a read : Age UK 'Poverty in later life' report
The material deprivation stats are particularly sobering.

https://www.ageuk.org.uk/siteassets/documents/reports-and-publications/reports-and-briefings/money-matters/poverty-in-later-life-briefing-january-2022-.pdf

ThisTicklishFatball · 09/06/2025 17:38

I sense there are too many people here ignoring the fact that they'll grow old one day and they might need subsidies to survive then they'll know that young people believe they're too rich and should die to free up whetever they have for them to grab with glee.

chocolateismyweakness4 · 09/06/2025 17:40

ThisTicklishFatball · 09/06/2025 17:38

I sense there are too many people here ignoring the fact that they'll grow old one day and they might need subsidies to survive then they'll know that young people believe they're too rich and should die to free up whetever they have for them to grab with glee.

But you’re forgetting the age to get state pension and the various benefits is rising. Today a 66 year old can get these things, but for my generation the age is currently 68 and we all know it’s likely to go into the 70s.

OP posts:
needingadvice12 · 09/06/2025 17:41

ThisTicklishFatball · 09/06/2025 17:38

I sense there are too many people here ignoring the fact that they'll grow old one day and they might need subsidies to survive then they'll know that young people believe they're too rich and should die to free up whetever they have for them to grab with glee.

The difference is the majority of younger people will have worked and worked and have fuck all to show for it.

JenniferBooth · 09/06/2025 17:44

MrsSkylerWhite · 09/06/2025 17:28

This occurred to me at a motorway services a little while ago. Do buses stop at them? If not, how on earth do minimum wagers get to night shifts? They certainly won’t be able to run a car.

Channel 4 did a programme nearly ten years ago called How To Get A Council House I remember a woman being allocated a place miles away To get to work (i think it was a supermarket job) she had to start a two to three hour walk at 4am.

ThisTicklishFatball · 09/06/2025 17:45

chocolateismyweakness4 · 09/06/2025 17:40

But you’re forgetting the age to get state pension and the various benefits is rising. Today a 66 year old can get these things, but for my generation the age is currently 68 and we all know it’s likely to go into the 70s.

That's why you should prepare for your old age instead of waiting for subsidies. You've time to find out what you must do to live a comfortable life when you become old.
There is the whole internet and specialists giving free advices to people who want to have a nice retirement.
There is also the FIRE (Financial Independence, Retire Early) movement which you need to go into and and learn.
No excuses to wait for old age to do anything. Do things now.
There's also no need to hate older people while waiting to grab what they have.

CleverButScatty · 09/06/2025 17:45

Tryingtokeepgoing · 09/06/2025 15:35

As there’s another thread with links to articles saying that £44k after tax is needed for a comfortable retirement a threshold of £35k (gross), which is, what, a little over £30k net doesn’t seem unreasonable

The vast majority of people in this country couldn't hope to have that as a retirement income.

BIossomtoes · 09/06/2025 17:45

chocolateismyweakness4 · 09/06/2025 17:18

The buses where I am are not cheap and would take me double the time compared to the train or car. It’s also not practical for many to get buses to work.

But it was practical in the past so what’s changed? Bus fares are currently capped at £3, it seems very cheap to me.

HiddenRiver · 09/06/2025 17:46

I think RR is annoyed at having to do this U Turn and it is being forced on her and as others have said - it’s just to appease the old vote - but makes Labour look v. weak.

RR is so annoyed she must be like “screw it then if you all demand WFA and the general public genuinely think/support/believe that all these boomers are skint - then I’ll try to highlight to them how wealthy many pensioners are by saying they can have it on income of 35K” as it’s got people talking again and maybe some will rethink how poor all these “war veteran pensioners” are. It’s causing a stir again.

chocolateismyweakness4 · 09/06/2025 17:47

ThisTicklishFatball · 09/06/2025 17:45

That's why you should prepare for your old age instead of waiting for subsidies. You've time to find out what you must do to live a comfortable life when you become old.
There is the whole internet and specialists giving free advices to people who want to have a nice retirement.
There is also the FIRE (Financial Independence, Retire Early) movement which you need to go into and and learn.
No excuses to wait for old age to do anything. Do things now.
There's also no need to hate older people while waiting to grab what they have.

But how can we prepare for old age when we need to concentrate on surviving today. I have a fairly good pension scheme but it’s linked with state pension age so there are penalties for taking it earlier. And the age will keep rising of course.

OP posts:
BIossomtoes · 09/06/2025 17:49

chocolateismyweakness4 · 09/06/2025 17:47

But how can we prepare for old age when we need to concentrate on surviving today. I have a fairly good pension scheme but it’s linked with state pension age so there are penalties for taking it earlier. And the age will keep rising of course.

So you are preparing for old age. 🤷‍♀️

cardibach · 09/06/2025 17:49

HiddenRiver · 09/06/2025 17:46

I think RR is annoyed at having to do this U Turn and it is being forced on her and as others have said - it’s just to appease the old vote - but makes Labour look v. weak.

RR is so annoyed she must be like “screw it then if you all demand WFA and the general public genuinely think/support/believe that all these boomers are skint - then I’ll try to highlight to them how wealthy many pensioners are by saying they can have it on income of 35K” as it’s got people talking again and maybe some will rethink how poor all these “war veteran pensioners” are. It’s causing a stir again.

Changing a policy because either you realise it’s very unpopular with the electorate and it doesn’t give much benefit anyway or because your financial situation changes and there’s more headroom isn’t weakness. I want my politicians to be flexible rather than dogmatically sticking to policies regardless of situations.

chocolateismyweakness4 · 09/06/2025 17:49

BIossomtoes · 09/06/2025 17:49

So you are preparing for old age. 🤷‍♀️

It won’t be enough though will it? And the age getting higher means more and more is needed to prepare.

OP posts:
Happyspendingthedayinthegarden · 09/06/2025 17:50

Not sure child benefit was around for boomers, we certainly didn't get any, the NHS was just starting and was very basic, schools were over crowded because of the boomers and there was post war hardship all round.

When child benefit (or then was called 'Family Allowance') was first introduced it wasn't payable for the first child. I have a cousin aged 79 who was an only child & her parents didn't get anything for her. She couldn't have children & feels rather resentful at everyone who had allowances made because they had children. She felt that not having children was thrown in her face because she couldn't have leave during school holidays etc because those with children took preference. This made her inability to conceive even more painful to her. But when her father's war wounds gave him a stroke & she was helping her mother care for him no allowances were made for her. We talking in the 1970's-1980's times were different.

notatinydancer · 09/06/2025 17:52

chocolateismyweakness4 · 09/06/2025 13:21

The threshold needed to be raised, but £35k?! I wish I earned that and I have a mortgage and commuting costs. It also doesn’t take into account savings (so they could have millions in the bank) or household income.

We all know it’s a bribe, but they still won’t get pensioners to vote for them.

If they’ve got millions in the bank they’ll be getting interest. Millions would take them over the £35000 level.

Viviennemary · 09/06/2025 17:54

It's ridiculous. About time the lower levels of PIP and attendance allowance were means tested. People are raking it in so fast they can't spend it while others struggle along working and paying tax to keep the whole sorry system afloat. The whole system is a total farce.

BIossomtoes · 09/06/2025 17:54

chocolateismyweakness4 · 09/06/2025 17:49

It won’t be enough though will it? And the age getting higher means more and more is needed to prepare.

Why won’t it be enough? If you contribute to a good pension scheme throughout your working life you’ll have enough to live on. After all a pp thinks the tax free lump sum from a pension is enough to buy a flat outright. And the rise in qualifying age gives you more time to prepare.

anyolddinosaur · 09/06/2025 17:54

Seems to me the threshold has been set to deliberately encourage a fuss. I dont know anyone who was pushing for the level to be £35k, except reform. it was the ones just about pension credit who were the concern and that's under £12k.

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