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AIBU?

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:
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chocolateismyweakness4 · 09/06/2025 17:55

BIossomtoes · 09/06/2025 17:54

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.

Edited

Because I don’t have a high salary so my pension will be low as it stands. And there are penalties for taking it before state pension age, which will be so high by then that I’ll have no choice but to take it earlier. So it won’t be much per year.

OP posts:
Zanzara · 09/06/2025 17:56

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.

Put some money into a private pension with tax relief and you will be able to draw down ten years earlier. An important part of pension planning to cover any bumps in the road.

JenniferBooth · 09/06/2025 17:56

BIossomtoes · 09/06/2025 17:45

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

Well during the Covid restrictions which many on here were all for, instead of running ONE bus an HOUR our bus ran ONCE every TWO HOURS, Really fucking helpful for essential and key workers that was. 🙄

Happyspendingthedayinthegarden · 09/06/2025 17:58

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.

Unless things change all you can hope for is that you have someone who you can trust who will look out for you. This will mean that they will have to take care of all your household admin, make sure that you're not being scammed by various people who may come knocking on your door, phoning you, emailing you etc. They will get hold of your phone number and enough details to convince you that they are your bank & scam you out of your life-time's savings.

You probably will become old and develop dementia - pray that you have someone who is willing to fight to get you a doctor appointment & get you there, fight to get you the benefits that you are entitled to, fight with social services to get you the care that you need and again to fight when they don't turn up or turn up when not expected, or fail to give you your meds when you should have them.

I'm dreading it. My only comfort is that my DD is a nurse & I know she will fight, not only that, she knows how to fight & who to fight with but she shouldn't have to.

OneLemonGuide · 09/06/2025 17:58

SummertimeMadness1 · 09/06/2025 13:23

Does the £35k include state pension?

Yes it does. It’s total income.

Oioisavaloy27 · 09/06/2025 17:58

He can't win can he? He listens to the people and still gets it thrown back in his face.

Allisgoodtoday · 09/06/2025 17:59

I agree, 35K is way, way too high....and I'm a pensioner, on state pension, and would obviously benefit from this.

As I have stated on threads before which have been about the WFA, there are approx. 12 million pensioners in the UK, about 1.2 million live on state pension alone. I do think the WFA cut-off should be raised but it should still only be for those in great need. Possibly to 15K or even 20K?

The current 35K means it will be handed out to around 9 million pensioners, many of those really won't need it and will have assets and savings far in excess of many working people's.
All wrong!

BlueyNeedsToFuckOff · 09/06/2025 18:00

BIossomtoes · 09/06/2025 17:45

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

The availability of buses, for one thing.

When my mother started work, there were regular buses from where she lived to five or six local towns, with sensible connections to several more. She still lives in the same town but now there are only direct buses to two local towns and they don’t connect with anything.

Happyspendingthedayinthegarden · 09/06/2025 18:01

An example: DH had an email today supposedly from DVLA saying that he hadn't paid his car tax & they were about to prosecute him. Sent him into a spin. I reminded him that it was all paid for - went onto the official Govt website which confirmed this. He was all ready to go onto the link & pay some scammer.

User32459 · 09/06/2025 18:02

Poopeepoopee · 09/06/2025 13:22

YABU - £35k isn't much money at all these days.

Not on MN it isn't, in the real world though.

LBFseBrom · 09/06/2025 18:02

chocolateismyweakness4 · 09/06/2025 13:23

Maybe not if you’re living a high end lifestyle. If you don’t have a mortgage, rent, commuting costs, childcare etc yes it is! I don’t earn that from working full time. Pensioners also don’t have NI taken from their income.

They do pay tax though, I do, and most of us paid into the system for many years before retirement.

This is the first I have heard of it, it is a huge jump.

It will be a one off payment of around £300, not a regular increase in income so not worth you worrying about.

BlueyNeedsToFuckOff · 09/06/2025 18:03

Zanzara · 09/06/2025 17:56

Put some money into a private pension with tax relief and you will be able to draw down ten years earlier. An important part of pension planning to cover any bumps in the road.

Until the Government changes the rules. Again.

OneLemonGuide · 09/06/2025 18:06

FedupofArsenalgame · 09/06/2025 13:57

I'm in the SE. Income of 16k. Not struggling

If you’re not struggling on £16k then you must be living very frugally!

BIossomtoes · 09/06/2025 18:09

BlueyNeedsToFuckOff · 09/06/2025 18:03

Until the Government changes the rules. Again.

In that case don’t vote for governments that don’t promise not to change the rules. The biggest rule change ever was the one that impacted waspi women in 2011. They got fuck all sympathy on MN.

EleanorReally · 09/06/2025 18:09

did i hear that everyone will get it but if you earn more than £35,000 you will need to pay it back?
how confusing

AngelinaFibres · 09/06/2025 18:11

DisapprovingSpaniel · 09/06/2025 13:23

It's gone from one extreme (too low) to the other.

I can well imagine how someone on just the state pension needs help - and should get it. But someone on almost £3000 per month does not need a £200 winter fuel payment fgs.

Nice to have though.

BlueyNeedsToFuckOff · 09/06/2025 18:12

BIossomtoes · 09/06/2025 18:09

In that case don’t vote for governments that don’t promise not to change the rules. The biggest rule change ever was the one that impacted waspi women in 2011. They got fuck all sympathy on MN.

Those rules impacted everyone under a certain age - not just WASPI women. My State pension age was increased by more than any WASPI woman had to face, yet few of them had any sympathy for anyone else!

OneLemonGuide · 09/06/2025 18:12

Oioisavaloy27 · 09/06/2025 17:58

He can't win can he? He listens to the people and still gets it thrown back in his face.

If they’d increased it to, say, £20k, it would have dealt with the issue of ensuring those who needed it had it, and not been expensive.

But because they cocked up and took a year to change it, they probably felt they had to err on the side of safety and avoid any lingering charges they were still being miserly.

Ihatelittlefriendsusan · 09/06/2025 18:15

Poopeepoopee · 09/06/2025 13:22

YABU - £35k isn't much money at all these days.

It's about 7k more than I earn working full time and they get it tax free!

Until recently i was a single mum on about 23k before tax. With my own mortgage bills etc.

I agree with @chocolateismyweakness4 the threshold needed raising but up to 35k is ridiculous

BIossomtoes · 09/06/2025 18:15

BlueyNeedsToFuckOff · 09/06/2025 18:12

Those rules impacted everyone under a certain age - not just WASPI women. My State pension age was increased by more than any WASPI woman had to face, yet few of them had any sympathy for anyone else!

Really? How many years did your pension age increase and with what notice? The first increase was in 1996 when most waspi women were in their 40s. The youngest women impacted by that change were born around 1975.

Greenartywitch · 09/06/2025 18:16

Another stupid move by this clueless Labour government (and I voted for them but never will again because of the planned disability benefit cuts....)

The threshold was set too low before and now they have set it too high.

A pensioner who get 35k a year don't need help with their fuel bills, especially those who are mortgage free.

It does not make any sense for people who get the minimum wage for example to subside the bills of pensioners on 35K...

caringcarer · 09/06/2025 18:16

chocolateismyweakness4 · 09/06/2025 13:23

Maybe not if you’re living a high end lifestyle. If you don’t have a mortgage, rent, commuting costs, childcare etc yes it is! I don’t earn that from working full time. Pensioners also don’t have NI taken from their income.

Many pensioners still have rent to pay and so e have a mortgage to finish paying too. It's weird the way some posters make sweeping asdu ptions every pensioner in the land neither has rent or mortgage to pay.

BIossomtoes · 09/06/2025 18:17

It's about 7k more than I earn working full time and they get it tax free!

It’s not tax free.

caringcarer · 09/06/2025 18:18

Ihatelittlefriendsusan · 09/06/2025 18:15

It's about 7k more than I earn working full time and they get it tax free!

Until recently i was a single mum on about 23k before tax. With my own mortgage bills etc.

I agree with @chocolateismyweakness4 the threshold needed raising but up to 35k is ridiculous

Pensioners pay tax over the threshold just like anyone else. They do t get £35k tax free.

BlueyNeedsToFuckOff · 09/06/2025 18:19

BIossomtoes · 09/06/2025 18:15

Really? How many years did your pension age increase and with what notice? The first increase was in 1996 when most waspi women were in their 40s. The youngest women impacted by that change were born around 1975.

Went up 8 years, and I’m not complaining about the notice - I fully expect it to go up again.

Please tell me which WASPI women had to wait 8 years?

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