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Share your dilemmas and get honest opinions from other Mumsnetters.

The autumn budget should cut benefits before increasing tax

1000 replies

Leett · 25/09/2025 05:39

There is talk of Labour breaking their election pledge and increasing income tax by 2p. I doubt they'd do that because voters will revolt. However they need to do something with the state pension due to increase by 4.7% next year.
I really hope they cut benefits / pensions before the deciding to increase taxes.

OP posts:
Padthaispecial · 25/09/2025 14:18

Greencactusgirl · 25/09/2025 14:12

Scrapping free prescriptions would actually increase costs to the NHS. Despite the view of some on Mumsnet, many older people are not wealthy (I know this firsthand as an HCP in elderly care). Those on limited income would pick and choose which of their prescribed medications to pick-up at the pharmacy and/or may reduce the frequency with which they took them in order to save money. Thus, controllable/preventable conditions would not be controlled/prevented and they would end up in hospital, using more NHS resources.

Think that is what they want as we know the outcome for severe poor health.
The current pensioners had respect for the elderly when young something the current younger generation are lacking. WTF is wrong with them.

ChardonnaysBeastlyCat · 25/09/2025 14:19

Hardhaton1 · 25/09/2025 14:13

I mean you could argue. Yes they should be punished for that because hoarding money does not allow others to accumulate the 16 grand that they accumulated in the first place unless it’s temporary.
But then it’s allowed To be hoarded temporarily.

And my goodness to people get the hump when they have to spend the 16 grand that they’ve accumulated on, you know supporting themselves.

Funny you mentioned do they knitted their own clothes? Do they farm their own foods, actually yes.
Or they don’t buy Disposable consumer goods in the first place.
Handed down solid furniture for example as opposed to needing to replace an MDF one from IKEA every three years because it’s fallen apart
It’s the old A poor Person’s cheap boots will need replacing more often than a rich ones despite the rich person spending more in the first place but less overall. I thought everybody knew that.

I think you managed to miss the point quite spectacularly, pretty much on everything.

I'll leave you to it.

Marshmallow4545 · 25/09/2025 14:20

Toastandbutterand · 25/09/2025 14:16

That's the same as saying the company you work for can slash your wages and you should just deal with it.

You chose to work there.

But they absolutely can and in some cases do. They can lay people off or make you redundant depending on business need. I think many of us have navigated precarious times in businesses or own our own business and understand that earnings fluctuate.

IAmNotASheep · 25/09/2025 14:21

Climbingrosexx · 25/09/2025 13:54

I have worked since I was 16 and late 50s now. I have a private dentist as cannot get nhs and pay for opticians. I dont consider myself to be a scrounger by any stretch BUT I do get free prescriptions because I have a long term medical condition which I have had since my teans and I'm stuck with it until the day I die. I would happily swap places with someone who does not have my issues. They can have my free prescriptions and I will have their good health.

Thanks
some people just haven’t got a clue
A lot of pensioners are surviving on from £9,100 per year to £11,900 a year for everything
Thats, for some, less than a maintenance loan for Uni even for those students living at home and yet many elderly
cannot drive so need to take public transport
and have more health needs than students
and have higher bills through heating needs

Marshmallow4545 · 25/09/2025 14:23

IAmNotASheep · 25/09/2025 14:21

Thanks
some people just haven’t got a clue
A lot of pensioners are surviving on from £9,100 per year to £11,900 a year for everything
Thats, for some, less than a maintenance loan for Uni even for those students living at home and yet many elderly
cannot drive so need to take public transport
and have more health needs than students
and have higher bills through heating needs

13% of pensioners rely on the state pension alone. I think we need to real all comments like this in that context. 16% of pensioners live in poverty.

31% of children live in poverty (almost double).

PropertyD · 25/09/2025 14:27

Padthaispecial · 25/09/2025 13:46

Agree. Previously these people would have been embarrassed but now they gloat.

Until things change, ostracise them completely from your life, playgroups, dinner parties. They will then feel shame and might address their behaviour.

It will take a change of government to review benefits which is urgently required. Ditto the NHS. It cannot continue in its current format. And someone who said benefits should allow you to,live comfortably…words just fail me. Who will,be paying for this? Et it won’t be the PP who mentioned it.

What also is not being mentioned because it’s difficult to prove is the black economy. We all know people working cash jobs to top up their benefits. They don’t keep quiet about it. A friends friend (I know!) has never earned more than £12k per year. Does cash in hand roles in the property business. Yes, HMRC. could come after him but they can barely run a competent call centre and when you get through they are poorly trained and clearly working from home when they eventually answer - I am not particularly comfortable thinking a call centre agent is discussing out-loud my salary, queries etc from their kitchen table, back bedroom etc and where they could inadvertently leave their PC open for others within their home to see.

Holycowhowmuch · 25/09/2025 14:28

The PM and many labour politicians are members of The Fabian Society ....practically creating a level field almost like communism with everyone about the same. EXCEPT them of course. Khan is vice chair. Please look at this and BLAIR is behind the PM wanting a unified Europe blob called area 49. They do not support individual cultures/nationalities. Hence so much name calling from the far left. Please please people look for yourselves this is why they hate our flags our national pride our culture they get rich and put us down.

Soukmyfalafel · 25/09/2025 14:30

Shudahaddogs · 25/09/2025 05:54

You really hope liebour cut benifits and Pensions? Wow. Heaven forbid Amazon and Google start paying proper taxes.

It is really depressing that the first response nails it, then people underneath fight over who gets the crumbs again. People never learn. Neither the average worker or benefits claimants are well off. We are all struggling. Why are we not targeting the people who can pay. I'm not even talking the average aspirational higher tax payer here either, but the tax dodging bilionaires.

Differentforgirls · 25/09/2025 14:31

Tastaturen · 25/09/2025 14:10

Tell me how to get home tonight?

(Just raising you an even more unanswerable question).

I'm not a Waspi woman, I am younger. I was never informed. I'm one of the lucky ones who worked for a LA for 42 years so could retire at 60, but not on my full pension due to the increase in eligible age! What grinds my gears is that I thought I would have my LG pension plus my state pension and I don't. I'm not skint though - no mortgage etc. However, I think making women work 7 more years and men 2 more years, is economic folly. We should be freeing up jobs for the young people.

Soukmyfalafel · 25/09/2025 14:31

Holycowhowmuch · 25/09/2025 14:28

The PM and many labour politicians are members of The Fabian Society ....practically creating a level field almost like communism with everyone about the same. EXCEPT them of course. Khan is vice chair. Please look at this and BLAIR is behind the PM wanting a unified Europe blob called area 49. They do not support individual cultures/nationalities. Hence so much name calling from the far left. Please please people look for yourselves this is why they hate our flags our national pride our culture they get rich and put us down.

What a crock of shite.

IAmNotASheep · 25/09/2025 14:32

Marshmallow4545 · 25/09/2025 14:23

13% of pensioners rely on the state pension alone. I think we need to real all comments like this in that context. 16% of pensioners live in poverty.

31% of children live in poverty (almost double).

Edited

Interestingly of the third of children that live in poverty it equates numerically with a third of larger families ( stats for England and Wales) and yet since the introduction of the two child cap on benefits there has been no reduction in family sizes of more than two kids.

of note no stats on whether there has been a reduction in 4,5 etc children per family. The stats are just for all families in excess of two kids

Your 16% figure, ie 3% higher than those on state pension, clearly indicates that even with the full state pension pensioners are still in poverty and this is because pensions are still trying to catch up with historical stagnation. Hence the triple lock and yet so many on here think the triple lock is some kind of luxury and should be stopped.

Theres no reason to compare poverty in pensioners and poverty in children. It’s not a pic mix on which shall we hit with poverty.

Leftrightmiddle · 25/09/2025 14:33

Leett · 25/09/2025 06:21

Child benefit

That's easy then as your against benefits you can just opt not to claim child benefit yourself

TheSpiritofDarkandLonelyWater · 25/09/2025 14:34

Marshmallow4545 · 25/09/2025 14:05

I don't think some people on this thread realise how entrenched benefit culture is. There are many recipients who view benefits as 'their' money and believe they should have a freedom to spend it like any other earned income. They are entitled to it and they are furious if you suggest that they should be grateful to the tax payer for subsidising them. Alternatively they will suggest the higher tax payer is privileged to earn enough to pay their taxes to fund their benefits. You literally couldn't make it up!

I am a benefit claimant as I am unable to work. UC is paid into my bank account and is mine. I am grateful that there is a safety net for people like me. I am grateful my to CPN who helped me apply. I can spend my mney how I want because there are no conditions on how I spend it. Of course I spend it on bills and food but when I have some left then I can treat myself to some nice thing.
But when I see stuff on here criticising people for claiming benefits then also expecting them to personally thank each tax payer on here like they are doing them a favour. I can not get on board with that. I bet most of you would cut benefits altogether because you think it is a lifestyle choice. Take my money away but please take away my disabilities too.

Digdongdoo · 25/09/2025 14:36

Differentforgirls · 25/09/2025 14:31

I'm not a Waspi woman, I am younger. I was never informed. I'm one of the lucky ones who worked for a LA for 42 years so could retire at 60, but not on my full pension due to the increase in eligible age! What grinds my gears is that I thought I would have my LG pension plus my state pension and I don't. I'm not skint though - no mortgage etc. However, I think making women work 7 more years and men 2 more years, is economic folly. We should be freeing up jobs for the young people.

So what exactly are you whining about? You retired early anyway, on a better pension than anyone younger than you will get and you have no housing costs. What is the issue, other than that you wanted more money sooner?

It's stuff like this that reduces sympathy for those actually struggling.

Greenwitchart · 25/09/2025 14:36

Don't be daft. The UK already has some of the lowest benefits and pensions in Europe, despite the right wing media telling you that people on benefits have a "lavish" lifestyle.

Labour needs to get rid of its incompetent chancellor and focus on growth, not taxing and cutting everything. It also needs to implement a wealth tax.

Papyrophile · 25/09/2025 14:36

"I'd also row back some the massive increases to the personal allowance in recent years."

Which massive increases to personal allowance? It's been frozen since 2022, and will remain frozen until (at least) 2028.

While this is IMO a bare-knuckle fight inside the Labour party, the time is coming when it will be inevitable that any government will have to freeze benefits, and make them (a) contingent on contributions and (b) time-limited except for those with life-limiting illnesses or very severe physical or mental impairments or disabilities.

Of course, we may get to see up close what happens in France when the IMF take over. That might focus attention.

Everythingwillbeokeventually44 · 25/09/2025 14:36

Lemintonic · 25/09/2025 10:06

'Illegals'? These are the people who enter the country illegally and go to ground so can claim and get nothing.

If you're going to show your Reform colours, at least get the descriptive words right.

No I'm stating FACTS off the government themselves who state illegals cost British taxpayer 8 MILLION POUNDS PER DAY IN HOTELS AND FOOD.

I suggest you take a look yourself you loony leftie and then come back to me with a sensible response!!

Greenwitchart · 25/09/2025 14:40

I can't believe that some buffoon posted that "retirement is a choice".

I assume that this person has found a magic wand to make sure that people no longer age or develop health conditions. I look forward to having 75 year old firefighters, 80 year old footballers and 90 year old bricklayers as a result.

Mindblowing stupidity...

Rosscameasdoody · 25/09/2025 14:40

nearlylovemyusername · 25/09/2025 11:48

Why this debate is focused on pensions?
Let me repost what I posted on another thread:

Top 1% (about 310,000 people, on £160k taxable min) pay 29% of all income UK taxes. This is about 80bn.
Top 10% pay 60%, which is 166bn.

About one third of working age population don't pay any tax at all.

Social security spending in Great Britain

In 2025 to 2026 the government is forecast to spend £316.1 billion on the social security system in Great Britain.
Total GB welfare spending is forecast to be 10.6% of GDP and 23.5% of the total amount the government spends in 2025 to 2026.

Around 55% of social security expenditure goes to pensioners; in 2025 to 2026 we will spend £174.9 billion on benefits for pensioners in GB. This includes spending on the State Pension which is forecast to be £145.6 billion in 2025 to 2026.

In 2025 to 2026 we will spend £141.2 billion on working age and children welfare. This includes spending on Universal Credit and its predecessors, and non-DWP welfare spending.

In 2025 to 2026 we will spend £75.3 billion on benefits to support disabled people and people with health conditions, and £35.3 billion on housing benefits.

Guidance and methodology: Benefit expenditure and caseload tables - GOV.UK

So welfare payments are only 4.4bn less that all state pensions.
Only 35% of UC claimants are working.

Proportion of Universal Credit claimants in employment in England | LG Inform

There were 7.5 million people on Universal Credit in January 2025, up from 6.4 million people on Universal Credit in January 2024

Universal Credit statistics, 29 April 2013 to 9 January 2025 - GOV.UK
23.7 million people claimed some combination of DWP benefits in August 2024 (of the 17 benefits included in these statistics). Of these:

  • 13.1 million were of State Pension Age (including those in receipt of their State Pension)
  • 9.9 million were of Working Age
  • 750,000 were under 16 (and in receipt of DLA as a child)

These are shocking numbers. To add - there is another analysis showing that no other country in the world has similar financial compensation for disabilities like PIP. There is support in terms of equipment, care etc, but not paying people - this system is so up for "fiddling".

I was with you until you got to PIP. There are certainly other countries in the world who have similar systems to PIP. France provides financial aid to cover additional expenses caused by a disability. It assesses a person's difficulty in everyday life similarly to the way PIP does here.

Denmark has an assessment system and offers monthly payments based on cost. Norway has several rates determined by the level of disability - similarly to the way PIP works. Sweden has a system of different rates, also based on levels of cost. Germany has a disability pension which is reviewed based on inflation and Italy has a disability benefits system based on cost of living. The USA and Australia have systems of disability benefits - some of which are means-tested and some of which are universal.

I worked as a disability outreach worker for over twenty years. The PIP assessment system is no more up for fiddling that any other system. Whatever safeguards you have in place, there will always be some who can get around them but generally fraud and error in the disability benefits system is less than one percent.

If the proposed cuts to PIP were centred around tightening of the rules and requiring more robust medical evidence for MH and spectrum conditions instead of allowing self identification, this would go some way towards bringing the costs down, as the rise has been proven to be as a result of the PIP system introduced in 2013 allowing claims for MH and similar conditions, where previously they were limited to physical disability with the exception of a very few MH conditions. The Equality Act 2010 determines that formal diagnosis isn’t necessary for someone to be considered disabled, and this has also led to an increase in claims.

Appeals are another area where bucketloads of money could be saved. At the moment the decision making process within the PIP system isn’t fit for purpose - many claimants are wrongly denied benefits and have to resort to costly tribunals to get a fair hearing. If the assessment and awards system was made fairer and more transparent it would eliminate the need for these tribunals.

mydogisthebest · 25/09/2025 14:40

Making people on universal credit pay tax would be a good idea. Why exactly do they not have to?

I get the state pension with a slight increase because I never opted out of SERPS. I get £1,098 a month which takes me slightly over my tax allowance so I have to pay tax on it. Annoys me a bit as I paid tax for almost 50 years.

My neighbour (single guy) doesn't work because he doesn't want to. Says he has such bad anxiety he can't leave his house so therefore can't work but in fact goes out almost every day, often several times a day (dog walking, shopping, seeing his girlfriend etc). He gets more in universal credit than my pension but doesn't pay a penny tax.

Also people on benefits often get cheaper entry into places, pay less for evening classes etc.

Me and DH have booked tickets for a Christmas even at a local stately home. There is no discount for pensioners and it cost us £36 each. For people on benefits it is £3!!!! So fair NOT.

childofthe607080s · 25/09/2025 14:41

I think you are classing all migrants as illegal whereas many who are housed by our government turn out to be legally here

i mean if it was that simple that all were rejected we could send them home much quicker as there would be no legitimate ones to rescue

not all in the hotels are illegal

HelenaWaiting · 25/09/2025 14:43

Leett · 25/09/2025 05:39

There is talk of Labour breaking their election pledge and increasing income tax by 2p. I doubt they'd do that because voters will revolt. However they need to do something with the state pension due to increase by 4.7% next year.
I really hope they cut benefits / pensions before the deciding to increase taxes.

Basic universal credit is £400 per month. Go try and live on it before you proudly advertise your cruelty.

Rosscameasdoody · 25/09/2025 14:43

mydogisthebest · 25/09/2025 14:40

Making people on universal credit pay tax would be a good idea. Why exactly do they not have to?

I get the state pension with a slight increase because I never opted out of SERPS. I get £1,098 a month which takes me slightly over my tax allowance so I have to pay tax on it. Annoys me a bit as I paid tax for almost 50 years.

My neighbour (single guy) doesn't work because he doesn't want to. Says he has such bad anxiety he can't leave his house so therefore can't work but in fact goes out almost every day, often several times a day (dog walking, shopping, seeing his girlfriend etc). He gets more in universal credit than my pension but doesn't pay a penny tax.

Also people on benefits often get cheaper entry into places, pay less for evening classes etc.

Me and DH have booked tickets for a Christmas even at a local stately home. There is no discount for pensioners and it cost us £36 each. For people on benefits it is £3!!!! So fair NOT.

What would be the point of paying UC and then making the recipients pay tax ? It just makes it more complicated and more expensive to administer. Some contributory benefits are already taxable and those claiming UC and working would be paying tax once they reached the threshold.

NotEnoughKnittingTime · 25/09/2025 14:43

mydogisthebest · 25/09/2025 14:40

Making people on universal credit pay tax would be a good idea. Why exactly do they not have to?

I get the state pension with a slight increase because I never opted out of SERPS. I get £1,098 a month which takes me slightly over my tax allowance so I have to pay tax on it. Annoys me a bit as I paid tax for almost 50 years.

My neighbour (single guy) doesn't work because he doesn't want to. Says he has such bad anxiety he can't leave his house so therefore can't work but in fact goes out almost every day, often several times a day (dog walking, shopping, seeing his girlfriend etc). He gets more in universal credit than my pension but doesn't pay a penny tax.

Also people on benefits often get cheaper entry into places, pay less for evening classes etc.

Me and DH have booked tickets for a Christmas even at a local stately home. There is no discount for pensioners and it cost us £36 each. For people on benefits it is £3!!!! So fair NOT.

I took my children to the zoo with those universal credit tickets. They wouldn't be able to go otherwise. Why begrudge people that?

Padthaispecial · 25/09/2025 14:44

mydogisthebest · 25/09/2025 14:40

Making people on universal credit pay tax would be a good idea. Why exactly do they not have to?

I get the state pension with a slight increase because I never opted out of SERPS. I get £1,098 a month which takes me slightly over my tax allowance so I have to pay tax on it. Annoys me a bit as I paid tax for almost 50 years.

My neighbour (single guy) doesn't work because he doesn't want to. Says he has such bad anxiety he can't leave his house so therefore can't work but in fact goes out almost every day, often several times a day (dog walking, shopping, seeing his girlfriend etc). He gets more in universal credit than my pension but doesn't pay a penny tax.

Also people on benefits often get cheaper entry into places, pay less for evening classes etc.

Me and DH have booked tickets for a Christmas even at a local stately home. There is no discount for pensioners and it cost us £36 each. For people on benefits it is £3!!!! So fair NOT.

Much better to slash benefits as taxing them adds another admin layer. Removal of additional perks for UC should be the first change to welfare. Easy to implement.

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