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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
user927464 · 30/09/2025 20:59

DIYagainstMould · 30/09/2025 20:57

3 to 4 kids and that is a decent amount to some ....

THIS IS NOT ABOUT CHILD BENEFIT.

THIS IS ABOUT UNIVERSAL CREDIT

BettysRoasties · 30/09/2025 20:59

And welcome back the families who have a new baby every time one starts school so they don’t have to find a job. 👏

TopPocketFind · 30/09/2025 21:00

Nestingbirds · 30/09/2025 20:55

This is going to INCREASE the number of children in poverty!!!

How do you come to that conclusion?

clipboardz · 30/09/2025 21:00

@Nestingbirds

NZ and Australia are also options for most.

Both this countries give benefits to people
with dc

And Singapore is very generous to its own citizens & they give extra to large families. Presumably you don't object to the actual policy?

TiredofLDN · 30/09/2025 21:00

Ramdogs · 30/09/2025 20:57

It’s very unfair that working parents are making hard choices about whether or not they can afford more children. Whilst if they lift the cap, the unemployed can have more children safe in the knowledge they will automatically get a net £290 monthly income increase. What working person can say that happened when they went on maternity leave?

It’s not a race to the bottom.
im a hard working (single) parent. I earn too much to be eligible for any state help, and pay the higher CB tax charge.
i would very much have liked more kids. I’ve chosen not to have them because I can’t afford to.
it still doesn’t change my feelings.
what is unfair is that children who wouldnt have been in poverty without the policy, have grown up cold and hungry. That’s unfair.

BurntBroccoli · 30/09/2025 21:00

Barney16 · 30/09/2025 20:51

Children shouldn't live in poverty. It's disgraceful but how on earth will it be paid for? If taxes go up then I think it's the death knell for labour. I have a sneaking suspicion that most people who are definitely on board theoretically with a reduction in child poverty will be very very pissed off by less take home pay.

Taxes do need to go up. Reeves should have done this at the start. We pay much less tax than many other EU countries. If you want improved services, then you need to accept paying for it.
Medium tax rates below:

Belgium
~ 52.7 %
Germany
~ 47.9 %
Austria
~ 47.2 %
France
~ 46.8 %
Italy
~ 45.1 %
Finland
~ 43.5 %
Slovenia
~ 43.3 %
Portugal
~ 42.3 %
Sweden
~ 42.1 %
Slovak Republic
~ 41.6 %
Luxembourg
~ 41.3 %
Hungary
~ 41.2 %
Latvia
~ 41.1 %
Spain
~ 40.2 %
Czechia
~ 40.2 %
Estonia
~ 39.4 %
Lithuania
~ 38.9 %
Greece
~ 38.5 %
Turkey
~ 38.4 %
Denmark
~ 36.4 %
Norway
~ 36.4 %
Netherlands
~ 35.1 %
Ireland
~ 35.1 %
Poland
~ 34.3 %
Iceland
~ 31.7 %
United Kingdom
~ 31.3 %
Switzerland
~ 23.5 %
US
~ 34.8 %

Nestingbirds · 30/09/2025 21:01

BettysRoasties · 30/09/2025 20:57

Exactly. A lot of those children in poverty are because the continued actions or lack of actions by the parents. The same attitude they put on their children’s lives and education.

Oldest child becomes the baby sitter and cleaner and cook. Responsible for getting the others up and to school. Sharing tiny amounts of food. But you know what mum/dad always has a bottle and a spliff. Children often had the latest nike trainers from the back of a lorry and someone’s stolen bike.

Because they are raised that way.

There are more deliberate poverty family’s due to parents failure than those in poverty desperately trying to dig themselves up. Those trying to dig up tend to be those who ended up there via redundancy sudden unexpected death of partner or sudden divorce.

Edited

It is free to use a library and visit museums. It is free to read to your children and listen to them read. It is free to spend the weekends walking through the woods and building knowledge of our wildlife, fauna. It costs nothing to research beautiful inspirational poems and teach dc to write their own. Or to download a ballet from the ROH rather than Disney

None of this is money dependent.

Gingernessy · 30/09/2025 21:01

Blondeshavemorefun · 30/09/2025 20:58

So this means uc will now pay out for 3 /4/5/6/ etc kids instead of 2

is that right ?

No full detail yet but if it does that's £12000+ a year extra for those with 6 kids.
Why work?

Happyjoe · 30/09/2025 21:02

I understood why it was brought it. But they should never had done it for families already born, only for future families on a cut-off date and then parents can decide if could afford to have more children or not. To take it away from larger families who (wrong or right) relied heavily on it was a bad move imo.

Blondeshavemorefun · 30/09/2025 21:02

BettysRoasties · 30/09/2025 20:59

Yup.

I would like to think a person wouldn’t think yes I’m going to have no 3 so that I get another £287 a month

TopPocketFind · 30/09/2025 21:02

Gingernessy · 30/09/2025 21:01

No full detail yet but if it does that's £12000+ a year extra for those with 6 kids.
Why work?

Give it a go?

ToodleP1P · 30/09/2025 21:02

Gingernessy · 30/09/2025 21:01

No full detail yet but if it does that's £12000+ a year extra for those with 6 kids.
Why work?

TBH 6 kids sounds awful and knackering anyway.

arcticpandas · 30/09/2025 21:02

MrsSkylerWhite · 30/09/2025 19:53

Did she have 3 children or adopt some?

She had 3 I think and adopted some.

MidnightPatrol · 30/09/2025 21:03

Blondeshavemorefun · 30/09/2025 20:58

So this means uc will now pay out for 3 /4/5/6/ etc kids instead of 2

is that right ?

Yes.

For five children this could be worth up to £20,000 a year.

Bryonyberries · 30/09/2025 21:03

This is one of the few things they’ve done that I agree with.

I was in a situation where we had four children we could afford then their dad had an affair and raising on them on one wage was impossible. Tax credits and later UC have been a life line over the years and we would have massively struggled had the two child cap been in place then.

My children are now adults, youngest at college, but the other three are hard working and got full time careers, paying their taxes back into the pot.

We are a society. We should care for our vulnerable because giving children a good start means they are more likely to grow up, progress and contribute when they are adults.

clipboardz · 30/09/2025 21:04

No full detail yet but if it does that's £12000+ a year extra for those with 6 kids.Why work?

Plenty of reasons. I certainly won't be giving up my job and having another 4 dc for 12k a year.

user927464 · 30/09/2025 21:05

MidnightPatrol · 30/09/2025 21:03

Yes.

For five children this could be worth up to £20,000 a year.

tax free

ToodleP1P · 30/09/2025 21:06

user927464 · 30/09/2025 21:05

tax free

But you have to deal with 5 kids too.

clipboardz · 30/09/2025 21:06

@BurntBroccoli the problem is that the tax burden isn't particularly equal here ie more weighted on income. And if you look at income higher earners pay tax in line with other countries. It's the lower & middle earners that pay less but the problem is so much of their income goes on housing.

RhaenysRocks · 30/09/2025 21:07

HorsesDuvets · 30/09/2025 20:52

I fucking despair at the bollocks spouted about children living in poverty having poor outcomes and therefore giving their parents money will mean good outcomes.

Generally, shit parents = shit outcomes for children.

The fact that shit parents often also = poverty is incidental.

If Labour are going ahead with this, the money needs to come from slashing public sector costs.

Start by massively cutting public sector pensions and reducing public sector paid holidays and sickness pay to the same level as the average rate in the private sector.

Yes sure because people are queuing round the block to be teachers, nurses and care workers ... They'll be no problem in making those professions even less attractive than they are now and maintaining the numbers needed 🙄

EasternStandard · 30/09/2025 21:07

BurntBroccoli · 30/09/2025 21:00

Taxes do need to go up. Reeves should have done this at the start. We pay much less tax than many other EU countries. If you want improved services, then you need to accept paying for it.
Medium tax rates below:

Belgium
~ 52.7 %
Germany
~ 47.9 %
Austria
~ 47.2 %
France
~ 46.8 %
Italy
~ 45.1 %
Finland
~ 43.5 %
Slovenia
~ 43.3 %
Portugal
~ 42.3 %
Sweden
~ 42.1 %
Slovak Republic
~ 41.6 %
Luxembourg
~ 41.3 %
Hungary
~ 41.2 %
Latvia
~ 41.1 %
Spain
~ 40.2 %
Czechia
~ 40.2 %
Estonia
~ 39.4 %
Lithuania
~ 38.9 %
Greece
~ 38.5 %
Turkey
~ 38.4 %
Denmark
~ 36.4 %
Norway
~ 36.4 %
Netherlands
~ 35.1 %
Ireland
~ 35.1 %
Poland
~ 34.3 %
Iceland
~ 31.7 %
United Kingdom
~ 31.3 %
Switzerland
~ 23.5 %
US
~ 34.8 %

Who pays more tax, lower middle or higher earners? Generally we are comparable on the higher earner rate.

Will you let the lower and middle know the good news? You’re up for increasing their taxes.

Kitte321 · 30/09/2025 21:07

BurntBroccoli · 30/09/2025 21:00

Taxes do need to go up. Reeves should have done this at the start. We pay much less tax than many other EU countries. If you want improved services, then you need to accept paying for it.
Medium tax rates below:

Belgium
~ 52.7 %
Germany
~ 47.9 %
Austria
~ 47.2 %
France
~ 46.8 %
Italy
~ 45.1 %
Finland
~ 43.5 %
Slovenia
~ 43.3 %
Portugal
~ 42.3 %
Sweden
~ 42.1 %
Slovak Republic
~ 41.6 %
Luxembourg
~ 41.3 %
Hungary
~ 41.2 %
Latvia
~ 41.1 %
Spain
~ 40.2 %
Czechia
~ 40.2 %
Estonia
~ 39.4 %
Lithuania
~ 38.9 %
Greece
~ 38.5 %
Turkey
~ 38.4 %
Denmark
~ 36.4 %
Norway
~ 36.4 %
Netherlands
~ 35.1 %
Ireland
~ 35.1 %
Poland
~ 34.3 %
Iceland
~ 31.7 %
United Kingdom
~ 31.3 %
Switzerland
~ 23.5 %
US
~ 34.8 %

But these are the median tax rates. This is due to a low basic rate of tax and a sizeable tax free allowance.
I actually agree. Tax needs to increase for average earners but not at the higher rate.

clipboardz · 30/09/2025 21:08

@MidnightPatrol would it make you have 5 dc and give up work?

BettysRoasties · 30/09/2025 21:08

Happyjoe · 30/09/2025 21:02

I understood why it was brought it. But they should never had done it for families already born, only for future families on a cut-off date and then parents can decide if could afford to have more children or not. To take it away from larger families who (wrong or right) relied heavily on it was a bad move imo.

Edited

They did they released it over 9 months in advance.

TiredofLDN · 30/09/2025 21:08

clipboardz · 30/09/2025 21:04

No full detail yet but if it does that's £12000+ a year extra for those with 6 kids.Why work?

Plenty of reasons. I certainly won't be giving up my job and having another 4 dc for 12k a year.

This is precisely it.

For the “it’s not fair” brigade- if it’s so unfair, then even the scales and do it! Nobody’s stopping you! Go have 6 kids and claim universal credit, and enjoy your 12k a year tax free- and then come back and tell us how easy / enjoyable/ what a fun free ride it was.

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