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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To wonder how the UK will look in 3 years time?

905 replies

Labradorlover987 · 11/08/2025 13:19

I was inspired to write this after reading the UC post that was just reported - the govt’s welfare bill has passed but was watered down so unlikely to make any real savings.

I earn 40k, have a school age child and just feel like I am living hand to mouth 😩 I 100% think there should be a welfare systems that supports people on low incomes but I wonder how the current system will be sustained in the long run?

Just wondered what other people thought.

I actually wouldn’t mind paying more in taxes if we could be guaranteed more in services etc - for example my council tax just went up and the services seem even worse this year than usual.

OP posts:
Thread gallery
5
FairKoala · 12/08/2025 11:23

This government is just spiteful

Raising money through taxes to pay for ever increasing costs isn’t ever going to work

The NHS, housing and pensions are 3 of the biggest expenses so why not think about trying to cut down 2 of these expenses by paying the 3rd more.

Not by being mean and giving less to everything . That just isn’t going to work. You have to give people a better alternative. Encouraging pensioners to live abroad by paying them extra (to cover costs of health insurance and a monthly amount to stay outside the UK.

The cost savings to the NHS because there would be reduced spending on free prescriptions, GP appointments for cough and colds etc, X-rays, ambulance and paramedic bills and hospital visits for broken bones from falls and slips, no more treatment and pain medication for osteoarthritis, treating someone for diabetes, fatal and non fatal heart attacks etc

Living abroad would mean that if they owned their home they could sell or rent it out. If they rented privately it would free up a private rental and if rented through the council another family member who needed a home could take on the tenancy or giving up the tenancy all together.
This would free up more homes than Angela Rayner could ever build on any allotment

Bambamhoohoo · 12/08/2025 11:23

BIossomtoes · 12/08/2025 10:56

We need something like 3 strikes and you're in prison, regardless of the crime, to send a strong message to the serial "low level" criminals that they can't keep getting away with it.

Where do you propose all the money to pay for that comes from? And how many new prisons would we need?

Also they used to have this in the USA (they still do in some states)

they still have men who are imprisoned for life, in their 50s, for being caught with pot when they were 17 three times. Three times and you’re out.

disgraceful, ridiculous idea only suggested by people who truly haven’t thought properly about it

Bambamhoohoo · 12/08/2025 11:24

floormats · 12/08/2025 10:57

Why wouldn’t they? The suggestion of a wealth tax would affect multi millionaires, not a couple living in a million pound house.

No a wealth tax like any tax needs to hit the majority not multi millionaires who are global.

Voting records suggest self preservation eg Brexit, Tories. Add in outrage over winter fuel, nimbyism etc. Now you will reply with whatsboutery, straw man etc, whatever, you can argue with yourself.

Are you kidding? we are so unique in the uk in that we have a beautiful supply of incredibly wealthy people who can’t leave.

we call them the aristocracy

tissuesand · 12/08/2025 11:26

floormats · 12/08/2025 11:08

How would they tax wealth? How would it work?
Google it, lots of suggestions.
Property (council) tax is based on value of property.
And these values are relevant? when are they from?
We have IHT payable on anything we leave.
There are thresholds so it's not on anything, but again Google can help you here.
The only thing most people own is their home. If you need care you have to sell it. If you leave it to your children they pay tax on it
Most people don't end up in care homes & if you do you don't always have to pay. Care in the home should be charged too, similar to Teresa Mays policy. See previous point about IHT thresholds.

We can't increase income tax anymore particularly when younger people are paying more in & getting less out. older people haven't paid enough in to the system & the demographics are now working against us.

Care in the home is charged. You can't have a carer without s financial assessment. You pay a set rate per half hour visit. I think locally it is approx £20. My neighbour has a morning carer and she pays about that for 30 minutes.

floormats · 12/08/2025 11:27

@tissuesand house value isn't included is it?

Golden407 · 12/08/2025 11:29

They don’t keep posting record profits, they have done this year but the government allowed them to recoup the more half a billion in losses they accrued during the energy crisis after Russias invasion of Ukraine, when they were forced to sell energy at below cost prices

Also gas powered electricity generation is by far the most expensive form of electricity production. You’re confusing home gas prices with home electricity prices

floormats · 12/08/2025 11:29

@Bambamhoohoo don't most of them have their money offshore though? I can't see them ever coming from the aristocracy tbh, there is a weird deference to them by so many.

ToWhitToWhoo · 12/08/2025 11:29

ffsfindmeausername · 12/08/2025 11:05

yes the majority do, were already a country that's busting at the seems. not enough housing, school places, dentists, doctors. roads are already cram packed. we really do not need any more people on this tiny island.

A lot of builders, dentists, doctors, etc. are immigrants- so we would be losing loads of providers of services, not just users of them.

Much of the decline in services in this country is not due to migration but to years of austerity- not helped by crises such as Covid.

EasternStandard · 12/08/2025 11:29

Bambamhoohoo · 12/08/2025 11:09

Of course not. Do you think that in order to have practical, workable policy suggestions you have to do it as a job?!

Are we seriously saying we don’t expect the general public to have enough knowledge to make informed suggestions rather than just throw out sound bites?

Labour are throwing out sound bites. It’s not working for them.

Bambamhoohoo · 12/08/2025 11:30

Badbadbunny · 12/08/2025 11:21

In theory, they "could" do all that, but in reality, they barely scratch the surface and the number of people they successfully target is a tiny proportion of the number of tax evaders in that way. It's certainly likely that the PP's Dad will get away with it all, especially if he closes down his company before HMRC start proceedings, which often takes years to do anyway as they're pretty incompetent these days. Not saying what he's doing is right, but in reality, he'll probably get away with it!

Nope, this is not done by HMRC, this is the official receiver. The official receiver is an animal

it might take them years, but they’ll come. They’ll come after your family too. Just imagine the most aggressive bailiffs and law firms put together and you get the official receiver.

but as an aside, one thing labour have done is supercharge HMRC resource (I believe an extra 3000 fTC) and HMRC are also turning into animals. I see it leaking into every part of my work and personal life. They’ve been passively for years but now theyre coming

Golden407 · 12/08/2025 11:30

SirRaymondClench · 12/08/2025 11:09

Yet British Gas etc keep posting their record breaking profits so if it's because gas and electricity costs so much more (it doesn't) then their profits wouldn't be so sky high.

They don’t keep posting record profits, they have done this year but the government allowed them to recoup the more half a billion in losses they accrued during the energy crisis after Russias invasion of Ukraine, when they were forced to sell energy at below cost prices
Also gas powered electricity generation is by far the most expensive form of electricity production. You’re confusing home gas prices with home electricity prices

MrsSkylerWhite · 12/08/2025 11:30

mylovedoesitgood · 11/08/2025 21:57

I agree, I don’t see anything getting better. The housing market will continue to slow, unemployment will be 10%, everything will be more expensive, the weather will be warmer, and possibly means-tested state pensions will have come in.

Housing market is very active where we are this summer, after a very slow previous year.

floormats · 12/08/2025 11:31

The problem is the centralisation and concentration of business and homes in relatively small areas of the UK. Mostly due to the London Centric nature of politics over the past few decades.

yep & it really impacts our productivity having everything so concentrated.

MyMauveWasp · 12/08/2025 11:32

Labradorlover987 · 11/08/2025 13:19

I was inspired to write this after reading the UC post that was just reported - the govt’s welfare bill has passed but was watered down so unlikely to make any real savings.

I earn 40k, have a school age child and just feel like I am living hand to mouth 😩 I 100% think there should be a welfare systems that supports people on low incomes but I wonder how the current system will be sustained in the long run?

Just wondered what other people thought.

I actually wouldn’t mind paying more in taxes if we could be guaranteed more in services etc - for example my council tax just went up and the services seem even worse this year than usual.

I moved from the UK to Spain 6 years ago. Life is so much better here. Not just the weather, but the lack of entitled attitude of people, road congestion, fresh produce from markets, social life, house prices, etc etc. I’ve seen all the Changes in the UK over the last year and I certainly don’t aspire to live back there right now!

Bambamhoohoo · 12/08/2025 11:32

80smonster · 12/08/2025 11:02

We can’t build more houses until we invest in drainage and sewer works, the former relies heavily on the latter or there will be more shit and piss floating around in seas, lakes and rivers.

Edited

We can could plenty more houses, the house builder has to install drainage and sewers. It’s always been this way.

we struggle to build houses because land is so expensive, and planning is out of control bureaucracy

ToWhitToWhoo · 12/08/2025 11:34

FairKoala · 12/08/2025 11:23

This government is just spiteful

Raising money through taxes to pay for ever increasing costs isn’t ever going to work

The NHS, housing and pensions are 3 of the biggest expenses so why not think about trying to cut down 2 of these expenses by paying the 3rd more.

Not by being mean and giving less to everything . That just isn’t going to work. You have to give people a better alternative. Encouraging pensioners to live abroad by paying them extra (to cover costs of health insurance and a monthly amount to stay outside the UK.

The cost savings to the NHS because there would be reduced spending on free prescriptions, GP appointments for cough and colds etc, X-rays, ambulance and paramedic bills and hospital visits for broken bones from falls and slips, no more treatment and pain medication for osteoarthritis, treating someone for diabetes, fatal and non fatal heart attacks etc

Living abroad would mean that if they owned their home they could sell or rent it out. If they rented privately it would free up a private rental and if rented through the council another family member who needed a home could take on the tenancy or giving up the tenancy all together.
This would free up more homes than Angela Rayner could ever build on any allotment

Go abroad where? They'd have to be accepted by other countries. Until 2016 a fair few people retired to Spain, France and other continental countries, but Brexit has largely put paid to that.

user9064385631 · 12/08/2025 11:34

SomeLikeitSnot · 12/08/2025 11:05

Where do you live??
I work in a GP practice and 80% of requests patients are responded to same day, the other 20% the next day. Same at the practice I am registered with. I put a form in for an issue with my knees (non-urgent), called the next day, seen F2F the next day. Ref for an MRI and 2 weeks later thats already booked. The NHS is busy and some departments have long waits but if your GP is that crap vote with your feet and register with a proper one!

South Midlands.
It really is that bad! They usually reply to an e-consult within 3 days, but even for concerning symptoms it’s weeks for even a phone appointment. And that will be with a random GP, not necessarily the one you've been seeing about an issue. No wonder people take themselves off to A and E!
All the local practices seem to be the same judging by the towns social media groups.

Badbadbunny · 12/08/2025 11:35

Bambamhoohoo · 12/08/2025 11:30

Nope, this is not done by HMRC, this is the official receiver. The official receiver is an animal

it might take them years, but they’ll come. They’ll come after your family too. Just imagine the most aggressive bailiffs and law firms put together and you get the official receiver.

but as an aside, one thing labour have done is supercharge HMRC resource (I believe an extra 3000 fTC) and HMRC are also turning into animals. I see it leaking into every part of my work and personal life. They’ve been passively for years but now theyre coming

Nope, I've been an accountant for 40 years and seen loads of these scenarios and the perpetrator gets away Scot Free. I've seen less than a handful where HMRC/Official Receiver take any action. Over the past 20 years since the new money laundering reporting laws came into force, I've made numerous "suspicious activity reports" of tax evasion in this and similar ways, and not a single one has been acted upon. Yes, a small number of cases (in proportion) are brought and prosecuted, but in reality, most people get away with it, especially at the lower end of the evasion scale. You need to be evading huge amounts (millions) to attract the attention of the Official Receiver.

Bambamhoohoo · 12/08/2025 11:35

samthepigeon · 12/08/2025 11:06

I think people believe all migrants are bad/costly/illegal. I am here to encourage people to use language more carefully and accurately. Some migrants who may not be contributing yet are here as refugees (remember how we left plenty in the lurch by our hasty and unplanned withdrawal from Afghanistan, despite the fact they had been working with the British army and were now in massive danger from the Taliban?). Should they go? How long do we give them to start paying taxes? And what about if they are children (families were in danger too)?

Things are much more nuanced than some people want to believe.

I am also not sure that if all illegal migrants were sent away, that it would solve all of the problems facing the UK today.

Great post

if Migrants were sent away we would need another scape goat.

I’m pold enough to remember the 90s when the scape goats were teenager mothers (later we matured enough to realise how many of them were abused, groomed and raped, but they were the scum of society) and later British benefit scroungers.

MrsSkylerWhite · 12/08/2025 11:36

MyMauveWasp · 12/08/2025 11:32

I moved from the UK to Spain 6 years ago. Life is so much better here. Not just the weather, but the lack of entitled attitude of people, road congestion, fresh produce from markets, social life, house prices, etc etc. I’ve seen all the Changes in the UK over the last year and I certainly don’t aspire to live back there right now!

How are you received as an immigrant?

Badbadbunny · 12/08/2025 11:38

Bambamhoohoo · 12/08/2025 11:32

We can could plenty more houses, the house builder has to install drainage and sewers. It’s always been this way.

we struggle to build houses because land is so expensive, and planning is out of control bureaucracy

Developers will install new services only where there are mains nearby. That's why we have all these developments alongside existing towns/villages etc as they "tap into" the existing infrastructure. What they won't do (as there's no money to do so) is create new infrastructure over large distances nor contribute to where existing infrastructure like water treatment works is already at capacity.

LongDistanceTravel · 12/08/2025 11:45

Will have to save this post to check in 3 years.
I don't think a great deal will have changed, we're slowly heading towards less jobs being available so eventually some kind of UBI will replace state pension/benefits etc, but it will be a bumpy road to get there.
Trump will be at the end of his presidency so that's hopeful.
We may have privatised the NHS which would save money.

askmenow · 12/08/2025 11:45

Charlthg · 12/08/2025 07:45

Our MPs are low quality individuals, fairly thick and not very capable. Most have never had real jobs and don’t understand anything about how money works.

As for where does this go. Same way as Greece. The country goes bankrupt and IMF comes and tells us that the freebies need to stop. Then those who choose not work will really feel the pain. IMF will also insist in increase of pension age to above 70. The country is broken and the time to repair has passed. Now it’s just fast decline.

Anyone with ambition and talent should get out as quickly as they can. And go to a country which rewards talent and hard work, rather than one that punishes talent and growth and rewards beggar, handout mentality.

Never a truer word was said about the dire quality of those that are supposed to lead us.
We have a liar as a PM telling us the Chagos selloff would cost us £3.4bn over its lifetime, when in reality FOI docs say its £35bn! UK taxes are rising and Mauritians are having a no income tax year paid us....

We have Reynolds saying he's a solicitor when he never qualified.

We have thieving Reeves reportedly misrepresented her job title whilst working for the Halifax.

And what can you even say about that dolt Lammy! Not the sharpest knife in the drawer is he.
We are constantly fed inaccurate stats about the level of illegals entering the country and are just expected to swallow these lies and now The Online Safety Act attempts to shut us up.

Well....an uprising is coming now that the safety of women is being sold down the river by this inept, corrupt shower of shite!

And these are the people that Unis turned out...
The next 3 years are going to be painful because our leaders are soooo out of their depth.
People should listen the The Planet Normal podcast with Alison Pearson and Liam Halligan for enlightenment.
The way this country is living now is unsustainable.

Bambamhoohoo · 12/08/2025 11:47

floormats · 12/08/2025 11:29

@Bambamhoohoo don't most of them have their money offshore though? I can't see them ever coming from the aristocracy tbh, there is a weird deference to them by so many.

Exactly, the deference is bootlicking because they hold the real power. I would LOVE someone to get them.

they have some wealth abroad of course. But the vast majority is tied up in, you know, that stately home that queen Victoria gifted their ancestors for being jolly good supporters.

I would love to get my hands on those babies. They’re the ones the inheritance tax laws were created for, so we’ve started

the problem is you get these asset owning working class bootlickers doing their outrage for them.

JoyfulLife · 12/08/2025 11:48

OneCoralCat · 12/08/2025 01:08

I get your point about sustainability, but I’m not sure it’s fair to say only lower rate taxpayers support fairer taxation. Plenty of higher earners also believe in paying more if it means better public services and infrastructure. The issue isn’t just the tax rate, it’s also about how effectively that money is used.

At the moment a lot of people feel like they’re paying more but getting less because of underinvestment over years, not because the concept of higher taxation itself can’t work. Countries with higher tax burdens, like the Scandinavian countries, often have stronger economies, better healthcare, and less inequality and I’m pretty sure people don’t flee those in droves because they see value in what they get back.

The real danger is when services are cut so much that even those who can afford to stay decide it’s not worth it anymore, not just because of the tax rate but because of the quality of life.

Yes this. It is not just about paying more tax, this has already been happening. It's about the fact that even if you pay more it is just being sucked into a black hole and we only see deterioration of services across the board. We need good policies but fat chance that is going to happen. There is absolutely no good option on who to elect. Conservatives fucked up big time and depleted resources and Labour are doing absolutely 0, just talk and posturing. All I hear is we need to build more houses and now they are invading green belts. If you have travelled around the country recently you would be shocked to see what the new housing estates look like, horrid places. Therr is no talk whatsoever about policies about foreign ownership, houses being used as money laundering investments. Secondly second, third, etc homes. All of these would make a massive diference to the housing situation. This country treats housing just like the stock market instead of an essential human need. It is insane.