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Where is the money going to come from to meet the UK people expectations?

1000 replies

Pandersmum · 28/06/2025 14:46

So assuming that:

  • everyone who receives disability benefits needs them and may actually believe they should be entitled to more
  • pensioner benefits are non negotiable and again many believe they should be greater than current
  • working people (most) believe they are already taxed highly and believe they cannot be taxed any more without further impact to their feeling of unfairness and resentment of the system
  • it is unreasonable to expect young people with ADHD or other similar ND disorders / mental health challenges to work, even if they have qualifications and therefore they must be financially supported by the state
  • Mental health challenges are very real in any age of person and therefore they must be financially supported by the state and if in work, by their employers
  • rent (whatever level) should be supported by the state because it is a basic right to have a home
  • NHS treatment (& the best treatment) should be free be all, no matter how expensive it is or whatever their age because people pay their taxes
  • businesses are businesses and are there to make profits for their owners - therefore they can choose which country they operate in / pay their taxes in - if they don’t like the UK tax system, they can move somewhere else
  • ’in work benefits’ are necessary to support ‘low paid workers, often in essential jobs’ to gain similar amounts of financial remuneration to those on benefits
  • high net worth individuals can move if they don’t like the UK tax system

So just where is the money going to come from to fund the UK population of financial expectation of what the state should provide?

OP posts:
Thread gallery
8
taxguru · 03/07/2025 19:12

YourAmplePlumPoster · 03/07/2025 18:59

There's a load of pensioner bashing stuff on news sites right now, as if the majority of pensioners don't pay taxes or contribute to the economy with paying off their children's debts or doing free childcare. It's off the scale and makes me wonder if the future scenario is state enabled topping of pensioners.

Nope, pensioners paying the same taxes on the same level of incomes is all that most people want.

BIossomtoes · 03/07/2025 19:40

taxguru · 03/07/2025 19:12

Nope, pensioners paying the same taxes on the same level of incomes is all that most people want.

You mean like self employed people paying the same as those on PAYE?

fanmepls · 03/07/2025 19:45

majority of pensioners don't pay taxes or contribute to the economy with paying off their children's debts or doing free childcare

the majority of pensioners pay off their dcs debts and do free childcare? 🤔

taxguru · 03/07/2025 19:51

BIossomtoes · 03/07/2025 19:40

You mean like self employed people paying the same as those on PAYE?

Self employed don't get the same sick nor maternity pay as PAYE workers, so if anything they should pay the same NIC as pensioners, i.e. nothing!!

BIossomtoes · 03/07/2025 20:01

taxguru · 03/07/2025 19:51

Self employed don't get the same sick nor maternity pay as PAYE workers, so if anything they should pay the same NIC as pensioners, i.e. nothing!!

You’re getting desperate now.

Papyrophile · 03/07/2025 20:23

@Taxguru has a point. I was self-employed for many years and in 1999, I got £97 ish per week for six weeks as maternity. I never bothered the GP about sick pay.

But it's worth realising that self-employment suits some people and terrifies others. I rather liked going after the work I wanted rather than being told what I was assigned to do. I liked being free to say, "I want £x for this" instead of being told I would do it for £Y. Heck, when I was offered work I didn't like, I just doubled the day rate, so if they still wanted me to do it, at least I was being paid more than normal.

RowsOfFlowers · 03/07/2025 20:32

Papyrophile · 03/07/2025 20:23

@Taxguru has a point. I was self-employed for many years and in 1999, I got £97 ish per week for six weeks as maternity. I never bothered the GP about sick pay.

But it's worth realising that self-employment suits some people and terrifies others. I rather liked going after the work I wanted rather than being told what I was assigned to do. I liked being free to say, "I want £x for this" instead of being told I would do it for £Y. Heck, when I was offered work I didn't like, I just doubled the day rate, so if they still wanted me to do it, at least I was being paid more than normal.

Swings and roundabouts hey.

Papyrophile · 03/07/2025 20:57

Quite so.

echt · 03/07/2025 21:56

taxguru · 03/07/2025 19:12

Nope, pensioners paying the same taxes on the same level of incomes is all that most people want.

UK pensioners start to pay tax at the same rate as everyone else, as soon as their income exceeds the Personal Allowance.

DrPrunesqualer · 03/07/2025 22:00

shoopshoopshopp · 03/07/2025 15:13

All good questions. I think it is a very large part of it. Also the Danes, culturally have a very community focused outlook. There's a lot of volunteering done and money left to benefit others when one passes.
Population is just hitting 6 million and we have an aging population with median age of 41.3 compared to UK's 40.7. There is a focus on people having more children so paternity and maternity leave is very generous and childcare is subsidised.
Property is very cheap in some parts of the country but in the bigger cities it's much more expensive. But, people can live outside and commute because the transport networks and good and reliable. A five bed house where I live can be had for 200,000 GBP if you don't mind spending time and money updating it. There is also very reasonable rental property and housing cooperatives.
Employment rates are high. If you're not employed you have to be actively job seeking and then, if you haven't found a job within 6 months one is found for you (could be anything but mostly working for the municipality doing maintenance type tasks). In addition, people in employment pay into something called an A-kasse, which pays up to 12 months wages should they become unemployed.
Cost of living is high, but there are ways to cut back if you shop all the deals at the supermarkets. We have a high standard of living.

Didn’t Simon Reeve do a documentary about Scandinavian countries. The community spirit is amazing. A mum living in a flat left her kid in the park opposite in the pram for some fresh air. All alone. That’s quite normal as everyone cares for each other. I also loved that everyone does louds of clubs. The average is 3 clubs / person. I’m in awe!

echt · 03/07/2025 22:00

taxguru · 03/07/2025 19:51

Self employed don't get the same sick nor maternity pay as PAYE workers, so if anything they should pay the same NIC as pensioners, i.e. nothing!!

There area a number of benefits the self employed can claim in lieu off SSP and SMP: ESA, PIP, UC, ICP and MA.

TempestTost · 03/07/2025 22:09

C8H10N4O2 · 03/07/2025 10:27

It is not acceptable for an able bodied adult to turn down work on the basis that they are. “not a lot better off” then when living off the state. The state is supposed to be a safety net, not a lifestyle choice. They are choosing to sit on their backside and live off the efforts of their equally hard up peers.

If you don’t think Reform will plough that line on benefits relentlessly at the next especially in working class seat then you are deluding yourself. IME with years of canvassing/campaigning experience behind me (on the left) its liberal leaning MC voters who tend to be sympathetic to slackers, not WC voters who are much harder line on this.

Society has not changed so much that working people will happily struggle to pay their bills whilst abled bodied slackers elect to live off the state.

I agree with the sentiment here, but I think part of what has happened is the adoption of wealth redistribution in the form of benefits for working, middle class people.

While in many ways it seems like a good idea, I suspect part of the effect has been to train a generation of people that it is normal and fine to accept state benefits even when able to support yourself. It changes the way people think about the role of the state and their own work.

shoopshoopshopp · 04/07/2025 07:34

DrPrunesqualer · 03/07/2025 22:00

Didn’t Simon Reeve do a documentary about Scandinavian countries. The community spirit is amazing. A mum living in a flat left her kid in the park opposite in the pram for some fresh air. All alone. That’s quite normal as everyone cares for each other. I also loved that everyone does louds of clubs. The average is 3 clubs / person. I’m in awe!

I haven't seen that series but yes, the community spirit is pretty amazing in my experience (once you have 'broken in' and can speak the lingo I hasten to add!). And the pram situation twisted my melon when we first arrived. Outside cafes there will often be two or three prams with sleeping babies, the mums watching through the window and listening with a baby monitor in the pram!!!

taxguru · 04/07/2025 07:51

echt · 03/07/2025 21:56

UK pensioners start to pay tax at the same rate as everyone else, as soon as their income exceeds the Personal Allowance.

They don't pay NIC on any of their income.
They are more likely to have savings than workers, so benefit from the extra £5k savings tax free allowance.

Level playing field please!

taxguru · 04/07/2025 07:52

TempestTost · 03/07/2025 22:09

I agree with the sentiment here, but I think part of what has happened is the adoption of wealth redistribution in the form of benefits for working, middle class people.

While in many ways it seems like a good idea, I suspect part of the effect has been to train a generation of people that it is normal and fine to accept state benefits even when able to support yourself. It changes the way people think about the role of the state and their own work.

Nail on the head. Benefits have become a "right" rather than a "need".

taxguru · 04/07/2025 07:53

echt · 03/07/2025 22:00

There area a number of benefits the self employed can claim in lieu off SSP and SMP: ESA, PIP, UC, ICP and MA.

Indeed, but nowhere near as generous as those for workers under PAYE and there's no direct replacement for short term SSP nor income related SMP.

Daffodilsarefading · 04/07/2025 08:19

I do not thing the electorate would vote for higher taxes. It’s ok to pay more tax if the person paying it benefits, otherwise I think it’s a hard no. Let’s face it. Would you seriously vote to have to keep working full time until you are 70 to pay for those who don’t work? With the undercurrent that as a working person you will be screwed over with your state pension and the money you have scrimped and saved to put aside for your retirement, will be classed as a luxury. Knowing full well that those who chose not to do without will be better off. That everything you have strived and worked hard for will be taken away from you whilst again those who chose to ‘piss their money up the wall’ will be cared for by the taxes your children are paying for. That your children are ripped off with extortionate rents and cannot afford to buy a house. Cannot afford to have children until they are older and then cannot afford to have the number of children which they see those who don’t work having.
That whilst your hard working child has to live in a tiny flat and work shitty hours to pay for it, another person gets it for free because they don’t work or work very little hours. That you cannot get a doctors appointment because you work. That A & E is full of scrubbers high on drugs or sat there with what seems like an entire family taking up space. Why are they not at work?
No, the time has come for us to adopt a more Scandinavian approach. If you receive benefits you are expected to get a job. If you don’t get a job, and let’s face it , it isn’t always easy, the state will provided one for you. You can clean the streets for a kick off.

C8H10N4O2 · 04/07/2025 10:00

rainingsnoring · 03/07/2025 12:54

Again, you have totally failed to take on board the points I have made.

You can keep on ranting about slackers, etc. I've seen people who fit that description too, I'm sure we all have. The difficulty is how to reduce the problem and that involves understanding what the actual problem is, which you are totally ignoring. I don't think repeatedly comparing the WC and MC response is particularly helpful.

As someone who has canvassed on the doorstep and campaigned (on the left) the WC and MC responses on this are radically different and denying that is just stupid.

MC liberals on the doorstep invariably have a million reasons why the slacker upthread should be excused and understood for not wanting to take a paid job because it was "only" paying 40% more than his benefits.

Actual working WC voters who have to live with this shit every day whilst putting in a shift, paying their taxes and building a life for their families have a radically different response from the more affluent urban liberals pontificating about “more understanding” for the able bodied healthy but workshy and raising taxes to pay for them.

Matey upthread doesn’t need "understanding" he needs telling to take the job offering 40% more than his benefits and get on with it.

RowsOfFlowers · 04/07/2025 10:07

TempestTost · 03/07/2025 22:09

I agree with the sentiment here, but I think part of what has happened is the adoption of wealth redistribution in the form of benefits for working, middle class people.

While in many ways it seems like a good idea, I suspect part of the effect has been to train a generation of people that it is normal and fine to accept state benefits even when able to support yourself. It changes the way people think about the role of the state and their own work.

You hit the nail on the head, but I don’t think it necessarily applies to the middle classes, who generally do not tend to qualify for many benefits - if any at all. I think it more applies to working to lower classes.

C8H10N4O2 · 04/07/2025 10:10

Alexandra2001 · 03/07/2025 13:04

Its not that simple, for starters, even a NMW pays considerably more, around 400% more than a single persons UC, so incentive is there.

Parents with children & renting, get far more but should the children suffer because of the children? esp with a SENS diagnosis.

So lets take your young person not in work for 6months or more, maybe never worked? no one will employ them as they have no or little work history, no experience... maybe have anxiety? i wouldn't give them a job.

BUT luckily the Kings Trust did give the young man i know a chance, funded to work at M&S, loving it, independent, own money, sense of pride.

Perhaps M&S will take him on but either way this is the way forward for the long term unemployed, not calling them slackers and lazy arses.

Its not that simple, for starters, even a NMW pays considerably more, around 400% more than a single persons UC, so incentive is there

But this thread of discussion was not about someone struggling with rent and SEN children - it was about a young able bodied adult choosing not to work because the job “only” paid 40% more than he could get on benefits. That is a slacker, however you phrase it.

I’m more than happy to support some of the various training/retraining systems through taxation but at the end of it there needs to be a willingness to take a job - which is what happens in most of Europe including the oft cited Scandianavian Utopia where you can be sent to do any job and have move to it or do community work for benefits.

Badbadbunny · 04/07/2025 10:14

Daffodilsarefading · 04/07/2025 08:19

I do not thing the electorate would vote for higher taxes. It’s ok to pay more tax if the person paying it benefits, otherwise I think it’s a hard no. Let’s face it. Would you seriously vote to have to keep working full time until you are 70 to pay for those who don’t work? With the undercurrent that as a working person you will be screwed over with your state pension and the money you have scrimped and saved to put aside for your retirement, will be classed as a luxury. Knowing full well that those who chose not to do without will be better off. That everything you have strived and worked hard for will be taken away from you whilst again those who chose to ‘piss their money up the wall’ will be cared for by the taxes your children are paying for. That your children are ripped off with extortionate rents and cannot afford to buy a house. Cannot afford to have children until they are older and then cannot afford to have the number of children which they see those who don’t work having.
That whilst your hard working child has to live in a tiny flat and work shitty hours to pay for it, another person gets it for free because they don’t work or work very little hours. That you cannot get a doctors appointment because you work. That A & E is full of scrubbers high on drugs or sat there with what seems like an entire family taking up space. Why are they not at work?
No, the time has come for us to adopt a more Scandinavian approach. If you receive benefits you are expected to get a job. If you don’t get a job, and let’s face it , it isn’t always easy, the state will provided one for you. You can clean the streets for a kick off.

You've absolutely nailed it with all those points!

RowsOfFlowers · 04/07/2025 10:16

Daffodilsarefading · 04/07/2025 08:19

I do not thing the electorate would vote for higher taxes. It’s ok to pay more tax if the person paying it benefits, otherwise I think it’s a hard no. Let’s face it. Would you seriously vote to have to keep working full time until you are 70 to pay for those who don’t work? With the undercurrent that as a working person you will be screwed over with your state pension and the money you have scrimped and saved to put aside for your retirement, will be classed as a luxury. Knowing full well that those who chose not to do without will be better off. That everything you have strived and worked hard for will be taken away from you whilst again those who chose to ‘piss their money up the wall’ will be cared for by the taxes your children are paying for. That your children are ripped off with extortionate rents and cannot afford to buy a house. Cannot afford to have children until they are older and then cannot afford to have the number of children which they see those who don’t work having.
That whilst your hard working child has to live in a tiny flat and work shitty hours to pay for it, another person gets it for free because they don’t work or work very little hours. That you cannot get a doctors appointment because you work. That A & E is full of scrubbers high on drugs or sat there with what seems like an entire family taking up space. Why are they not at work?
No, the time has come for us to adopt a more Scandinavian approach. If you receive benefits you are expected to get a job. If you don’t get a job, and let’s face it , it isn’t always easy, the state will provided one for you. You can clean the streets for a kick off.

Yep, nailed it.

Badbadbunny · 04/07/2025 10:24

@Daffodilsarefading

It’s ok to pay more tax if the person paying it benefits, otherwise I think it’s a hard no

I agree. Brown got away with his NIC increases because of him claiming they'd be "ring fenced" for extra NHS spending (and because a huge section of the voting population weren't affected by it despite being the highest NHS user group!).

MyObservations · 04/07/2025 11:08

Hang on, isn't NIC only paid on earned income, not un-earned Income?

In any case, only 11% of those over 65 are still in paid employment. Given that state pension age has risen, my guess is the number of those in receipt of state pension still holding down a job, is probably less than 10%. I am one of them. Of those, the majority are in part-time employment. I am one of them.

For those who say they want a "level playing field" regarding NI, it is a level playing field in that the policy is those in receipt of state pension don't pay NI and that's the same for future generations. If course, one can't legislate for future policy changes but that applies to everything.
The degree of what appears to be hatred of older people on this thread is pretty shocking and those that perpetrate such views should try saying it face to face to their elderly parents or grandparents!

Badbadbunny · 04/07/2025 11:11

MyObservations · 04/07/2025 11:08

Hang on, isn't NIC only paid on earned income, not un-earned Income?

In any case, only 11% of those over 65 are still in paid employment. Given that state pension age has risen, my guess is the number of those in receipt of state pension still holding down a job, is probably less than 10%. I am one of them. Of those, the majority are in part-time employment. I am one of them.

For those who say they want a "level playing field" regarding NI, it is a level playing field in that the policy is those in receipt of state pension don't pay NI and that's the same for future generations. If course, one can't legislate for future policy changes but that applies to everything.
The degree of what appears to be hatred of older people on this thread is pretty shocking and those that perpetrate such views should try saying it face to face to their elderly parents or grandparents!

NIC is just another tax. Everyone with income from ANY source of, say £50k should pay the same taxes on it. There's no logical reason at all why NIC should be only on wages and not on other forms of income. When it was first introduced NIC was a fixed weekly amount - "the stamp" - over the years it has morphed into an earnings related tax. If we can't extend it to ALL income, then just scrap it and increase income tax rates instead.

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