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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Labour are lifting the 2 child benefit cap

1000 replies

PuppyKeep · 30/09/2025 18:43

AIBU that this is a terrible decision?

OP posts:
Thread gallery
16
IggysPop · 30/09/2025 20:29

ProcrastinatorsAnonymous · 30/09/2025 20:24

Perhaps (*whisper it because this is Mumsnet...) we could tax wealth as opposed to income, and grow some balls about inheritance tax.

Quietly seconding @ProcrastinatorsAnonymous . Unearned income…

MyLimeGuide · 30/09/2025 20:29

MrsSkylerWhite · 30/09/2025 20:27

Tbf, quite difficult to raise a child on that as well.

Thats why people work...

user927464 · 30/09/2025 20:29

MrsSkylerWhite · 30/09/2025 20:27

Tbf, quite difficult to raise a child on that as well.

It isn't a simple as that though. It means there is even less of an incentive for people to work. It makes the benefit trap harder to get out of.

NaranjaDreams · 30/09/2025 20:30

ComfortFoodCafe · 30/09/2025 20:25

Yes but they are severly cutting disability benefits it was all their big idea to save this country money just to give it to people who want more than two kids? It makes no fucking sense.
Give it to the NHS, give to councils to build more affordable housing by all means but to cut one benefit just to increase another benefit is madness.

Edited

They’re not cutting disability benefits to put the money elsewhere.

They're cutting disability benefits because the number of people claiming has gone up exponentially and is forecast to continue to do so, and they just don’t believe that all of those people need all of that financial support.

They’d be cutting disability benefits even if they didn’t need any money at all.

Holluschickie · 30/09/2025 20:30

Flight of high taxpayers come November...

ToodleP1P · 30/09/2025 20:30

Ratherhavefreedom · 30/09/2025 20:27

Dont have kids if you cant afford them or the ones you already have.
But if UC goes up if you have more babies.
We will see a rise in birth rates for sure.
I dont have kids and thankfully, but i feel as a single childless woman im at the bottom of the pile because i dont have kids to make me a priority.
Yet i work from 40 to 60 + hours a week to pay tax just to pay to raise other peoples kids thats what it feels like.
If people have more kids just for more UC money will tax go up because im just about keeping a roof over my own head.

No, you choose to work 40-60 hours. No one at all is making you do that apart from you.

JustMyView13 · 30/09/2025 20:30

I think more children could be effectively lifted from poverty with a better CMS scheme. It shouldn’t be as (seemingly) easy for a parent to walk away from their child and the financial responsibilities that come with it.
Someone mentioned the risk of having sex is a pregnancy. True. But you only need 10 mins on here to see who shoulders the most responsibility when a pregnancy occurs.

NaranjaDreams · 30/09/2025 20:30

user927464 · 30/09/2025 20:29

It isn't a simple as that though. It means there is even less of an incentive for people to work. It makes the benefit trap harder to get out of.

There’s no change to the benefit cap, though, is there?

Which removes that problem, unless the parents do work…

clipboardz · 30/09/2025 20:31

The UK birth rate is below replacement rate already (1.6, I believe) so in the interests of long-term economic stability I would have thought it's a good thing if some women have three or more children. They're still going to remain very much the minority, though, because children are going out of fashion and big families especially so and the additional money is unlikely to be sufficient incentive to change this.

@EasternStandard I called the above post too logical for this thread.

You quoted both of us and said It’s really not.

Which bit did you think was illogical?

The UK birth rate statistic?
That women with 3 or more dc won't remain the minority?
Big families have not gone out of fashion?

1reason · 30/09/2025 20:31

Aargh, why do so many people think it's about Child Benefit? ?
It's about the 2 child cap on those who claim the Child Element of DWP's Universal Credit. ( Child Tax Credits are no longer available).
It started in April 2017 and so has affected society for 8 years.
Do some really want children to remain in poverty?

lessglittermoremud · 30/09/2025 20:32

ToodleP1P · 30/09/2025 20:26

Who is entitled to that?

Lots of lower income families are, there was a thread on here the other day about 2 parents choosing to work 30 hours each and claim UC because they didn’t believe in using childcare. Many people pointed out that one of them could work more hours or opposing shifts etc that thread was eye opening because the OP said they were struggling financially, but working more didn’t seem to have entered their thought process…
I think on UC for every £1 you earn over your allowance you lose 55p in UC. Universal credits has replaced working tax credits etc

PraisebetoGod · 30/09/2025 20:32

BluntPlumHam · 30/09/2025 20:20

We are going to so many people having extra kids just for benefits. Traders, taxi drivers, businesses that operate on a cash basis who under declare will have no issue having more kids because they will just keep claiming.

ABSOLUTELY 💯

smilingfanatic · 30/09/2025 20:32

1reason · 30/09/2025 20:31

Aargh, why do so many people think it's about Child Benefit? ?
It's about the 2 child cap on those who claim the Child Element of DWP's Universal Credit. ( Child Tax Credits are no longer available).
It started in April 2017 and so has affected society for 8 years.
Do some really want children to remain in poverty?

The confusion lies in the name 'two-child benefit cap'. It's jumbling everyone up.

QuantumPanic · 30/09/2025 20:33

user927464 · 30/09/2025 20:25

YOU ARE TALKING ABOUT CHILD BENEFIT. THIS IS ABOUT UNIVERSAL CREDIT NOT CHILD BENEFIT.

Its £292 a month (£3500 a year)

You are doing the lord's work in this thread.

clipboardz · 30/09/2025 20:34

We will see a rise in birth rates for sure.

@Ratherhavefreedom why do you think this?

No country has ever reversed birth rates once they are below replacement rates. And that's with some trying far higher financial incentives.

Nestingbirds · 30/09/2025 20:34

1reason · 30/09/2025 20:31

Aargh, why do so many people think it's about Child Benefit? ?
It's about the 2 child cap on those who claim the Child Element of DWP's Universal Credit. ( Child Tax Credits are no longer available).
It started in April 2017 and so has affected society for 8 years.
Do some really want children to remain in poverty?

No I want LESS children in poverty so therefore ensuring that we do not incentivise those in poverty to have more children they can’t afford.

They could put the money into holiday schemes with 3 meals a day in the school holidays for example - that would assist the children from very low income families eat all year round.

Nestingbirds · 30/09/2025 20:35

QuantumPanic · 30/09/2025 20:33

You are doing the lord's work in this thread.

😂😂😂

BurntBroccoli · 30/09/2025 20:35

Hasn’t Farage said he would do this too?

ToodleP1P · 30/09/2025 20:35

lessglittermoremud · 30/09/2025 20:32

Lots of lower income families are, there was a thread on here the other day about 2 parents choosing to work 30 hours each and claim UC because they didn’t believe in using childcare. Many people pointed out that one of them could work more hours or opposing shifts etc that thread was eye opening because the OP said they were struggling financially, but working more didn’t seem to have entered their thought process…
I think on UC for every £1 you earn over your allowance you lose 55p in UC. Universal credits has replaced working tax credits etc

Yes I saw that thread.
They were claiming within the rules though and seemed to still get a lot of judgement about it. I also saw a thread from someone who was worried about her boyfriend staying over when she was on UC, and she was told she was not allowed to make him a cup of tea in her house.
MN is the worst place to get benefits advice.

ChrisMartinsKisskam · 30/09/2025 20:36

lessglittermoremud · 30/09/2025 20:32

Lots of lower income families are, there was a thread on here the other day about 2 parents choosing to work 30 hours each and claim UC because they didn’t believe in using childcare. Many people pointed out that one of them could work more hours or opposing shifts etc that thread was eye opening because the OP said they were struggling financially, but working more didn’t seem to have entered their thought process…
I think on UC for every £1 you earn over your allowance you lose 55p in UC. Universal credits has replaced working tax credits etc

Yes so when this starts that family will be able to claim for child 3 at the moment under UC rules they can only claim for 2 children

so getting this extra 300 quid a month probably means they can carry on working part time 😂

MrsSkylerWhite · 30/09/2025 20:36

MyLimeGuide · 30/09/2025 20:29

Thats why people work...

Yes of course but so many working people would be stuffed without benefits. Which is awful.

Employers relying on the state to top-up poor wages really needs to stop, doesn’t it?

smilingfanatic · 30/09/2025 20:37

I refuse to believe a significant amount of people will have extra children to collect a miserly increase in benefits, which will be entirely wiped out by the actual cost of feeding, clothing etc said child.

ProcrastinatorsAnonymous · 30/09/2025 20:37

Hold on hold on hold on....

Why are we acting as if the choice is "kids in poverty or disabled people in poverty"? That's not the choice.

How about - allow sections of society to spiral down into poverty (with all the long term implications of that for the NHS and wider economy) OR - look at those who genuinely can afford to pay more and tax them.

There are huge numbers of extremely comfortable people in this country who could absolutely cope with paying more tax. Or whose kids could afford to pay more tax when they inherit their house. It's an area politicians are afraid to touch because people usually vote selfishly in line with their own fiscal interests and the voting population skews older and richer. But we have a collapsing NHS and sections of society in truly desperate situations. This includes working people. Hard working people, who would love the opportunity to work hard all their lives, be sensible and save and buy a house like generations before them. The contract of work hard = decent standard of living is totally broken.

Nestingbirds · 30/09/2025 20:37

Fucking Labour!

You really could not make this up.

EasternStandard · 30/09/2025 20:38

clipboardz · 30/09/2025 20:31

The UK birth rate is below replacement rate already (1.6, I believe) so in the interests of long-term economic stability I would have thought it's a good thing if some women have three or more children. They're still going to remain very much the minority, though, because children are going out of fashion and big families especially so and the additional money is unlikely to be sufficient incentive to change this.

@EasternStandard I called the above post too logical for this thread.

You quoted both of us and said It’s really not.

Which bit did you think was illogical?

The UK birth rate statistic?
That women with 3 or more dc won't remain the minority?
Big families have not gone out of fashion?

The part where it says it’s important for the families included in this to have three or more dc. I mean it’s a ‘good thing’ that sentence.

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