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Not an ordinary working person if you earn over 45k

1000 replies

TesChique · 02/11/2025 15:50

Disincentivising anyone to strive to earn over 45k a year is a bizarre strategy for growth i feel

Aibu?

OP posts:
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16
nearlylovemyusername · 03/11/2025 15:55

MidnightMeltdown · 03/11/2025 15:42

This is partly because many employers are no longer willing to pay a premium for someone with a degree. Virtually everyone has a degree, so they don’t need to. Also, there’s often a mismatch between what students are learning, and skills that employers want. Often, a candidate who has spent the equivalent time learning on the job is better than a graduate.

Graduate programs are expensive. It takes a lot of time from senior employees to bring a fresher up to speed. It's not that employers aren't willing, they can't afford it mostly. Remember, those experienced senior people are squeezed as well.
And yes, there is significant devaluation of degrees as well.

twistyizzy · 03/11/2025 15:55

OonaStubbs · 03/11/2025 15:35

Why don't the companies pay more for degree educated and skilled workers? It doesn't seem that complicated to me.

You seem to have an incredibly naive and simpistic view. Do you work?

Alexandra2001 · 03/11/2025 15:59

twistyizzy · 03/11/2025 15:55

You seem to have an incredibly naive and simpistic view. Do you work?

Ha didn't take you long to resort to the insults and put downs did it?

So typical of the right wing.

twistyizzy · 03/11/2025 16:02

Alexandra2001 · 03/11/2025 15:59

Ha didn't take you long to resort to the insults and put downs did it?

So typical of the right wing.

Pot. Kettle.
You have happily been throwing tory/right wing insults around all thread.
You will realise that the majority are now opposed to Labour, even an ex-Labour spokesman today has said he wouldn't vote Labour 😆 its rats leaving the ship at this point.

TightOnes · 03/11/2025 16:03

Allisnotlost1 · 03/11/2025 15:39

I mean, yeah pretty silly to do that regardless of who you’re talking to. Seems you really do think you’re a cut above others because your husband earns a good salary - very retro.

Yes, if enough people ‘donate’ it can make a difference. It’s called taxation. I think the issue on the thread is that many pp’s would have been happy to carry on with austerity and the decline of public service so long as their taxes remained low. But now we’re all seeing the impact of that, on education, on health, on infrastructure, and those who’ve had the comfiest ride don’t want to give up even a fraction of their comfort. The government are not great, but it’s foolish to pretend they’re responsible for the current mess, which has been decades in the making. Starting with selling off utilities with zero safeguards on reinvestment.

I do think we are better, yes.

We are already paying the vast majority of taxes in the UK. The Labour philosophy is the typical take money from those that work hard and give it to those that don't. We pay enough taxes.

Education is fine all my kids went to a good state grammar and then on to top unis. Health has always been shit. The NHS is a state-run mess and a waste of money. We're with BUPA thankfully.

MushMonster · 03/11/2025 16:07

The problem is that earning £45000 is not earning a lot these days. At all!
That is the sad reality. It is a good wage in most parts of UK. Not a " I am rollibg on it" wage. And it is very much a workers wage these days.

Alexandra2001 · 03/11/2025 16:09

nearlylovemyusername · 03/11/2025 15:48

Would you mind sharing your level of education? Life and economics seem to be very simple in your world.

Let me try - there is a limited payroll budget and no business can spend more. To pay more they either have to increase prices (inflation is already much higher than before election) or cut costs. Cost cutting are regular exercises in private sector (you know, that sector which generates all taxes which pay for public services) so businesses cut headcount, automate/AI and offshore.

If you budgeted overall 2% annual pay increase and you're forced to increase NMW to pay 4%, then automatically those above NMW will get 0.5-1% instead of 2%. When you add employer NIC and some Workers Rights Bill the effect becomes even more profound.

Of course NMW should be increased, but in line with average earnings increase. Most important - with NMW for a couple now being a living wage, the UC must be reduced drastically and not paid until claimant is working full time. Exception is for severe diagnosed health conditions only. Then this would allow to reduce taxes to stimulate growth, but Labor can't comprehend this.

Inflation pre election inflation was at a high of 12%, its 3.8% now, the lows of 2.4% wasn't sustainable according to Andrew Bailey.

This spike in inflation was not driven by pay rises was it?

Its funny you go to great lengths to explain company payroll budgets but then say those who work PT should lose UC and work FT instead... i assume you realise companies will either not have the budget/work for this OR they'll get rid of another PT worker?

Then there will be the increase in child poverty, which costs more in the longer term

How exactly is cutting money going into the local economy, putting PT workers on dole and more children into poverty boosting growth?

Yet you have the nerve to call the pp simplistic.

TightOnes · 03/11/2025 16:10

MushMonster · 03/11/2025 16:07

The problem is that earning £45000 is not earning a lot these days. At all!
That is the sad reality. It is a good wage in most parts of UK. Not a " I am rollibg on it" wage. And it is very much a workers wage these days.

Which makes me wonder why don't labour just do the vote winner and go after "millionaires and billionaires"?

Alexandra2001 · 03/11/2025 16:11

MushMonster · 03/11/2025 16:07

The problem is that earning £45000 is not earning a lot these days. At all!
That is the sad reality. It is a good wage in most parts of UK. Not a " I am rollibg on it" wage. And it is very much a workers wage these days.

Quite, we've low productivity because workers get paid peanuts, working hard to stay poor and struggle.

Someone on NMW will be paying in rent 50% to 75% of their take home wage in most parts of the UK.

Nolletimiere · 03/11/2025 16:12

TightOnes · 03/11/2025 16:10

Which makes me wonder why don't labour just do the vote winner and go after "millionaires and billionaires"?

Because they are much better placed to emigrate and mitigate.

Alexandra2001 · 03/11/2025 16:15

TightOnes · 03/11/2025 16:10

Which makes me wonder why don't labour just do the vote winner and go after "millionaires and billionaires"?

They might, but on assets here and unearned income.

Nolletimiere · 03/11/2025 16:17

Alexandra2001 · 03/11/2025 16:15

They might, but on assets here and unearned income.

It would not raise anything close to what they need, and would be largely symbolic.

TightOnes · 03/11/2025 16:20

Alexandra2001 · 03/11/2025 16:09

Inflation pre election inflation was at a high of 12%, its 3.8% now, the lows of 2.4% wasn't sustainable according to Andrew Bailey.

This spike in inflation was not driven by pay rises was it?

Its funny you go to great lengths to explain company payroll budgets but then say those who work PT should lose UC and work FT instead... i assume you realise companies will either not have the budget/work for this OR they'll get rid of another PT worker?

Then there will be the increase in child poverty, which costs more in the longer term

How exactly is cutting money going into the local economy, putting PT workers on dole and more children into poverty boosting growth?

Yet you have the nerve to call the pp simplistic.

But surely someone only working PT and in the receipt of universal credit should be striving to find full time employment? Or maybe getting another job to make you the hours. If you're broke then surely you'd do anything. Maybe Uber, Uber eats, deliveroo. Try and use the gig economy to get something extra?

RubySquid · 03/11/2025 16:28

TightOnes · 03/11/2025 12:50

We - because marriage is a partnership. We are equals in it. Marital assets jointly together and all that.

Not as far as the. Hmrc are concerned. People are taxed individually.

Alexandra2001 · 03/11/2025 16:30

TightOnes · 03/11/2025 16:20

But surely someone only working PT and in the receipt of universal credit should be striving to find full time employment? Or maybe getting another job to make you the hours. If you're broke then surely you'd do anything. Maybe Uber, Uber eats, deliveroo. Try and use the gig economy to get something extra?

Perhaps thats possible but maybe they have caring responsibilities? childcare - only available during core hours... an ill parent etc.

But at the end of the day, there are only so many jobs available.

Then there is the "effective" tax rate if you do extra work, its around 63% i believe.

I'm not saying people shouldn't go FT where they can, of course they should but its not always possible...
i doubt the PT workers i knew, could then hop on an E bike in the evenings and deliver pizza's.

I asked my DD why so many in her NHS team are PT, around 50%, she said its childcare, stress of caring for people and dealing with families who quite often are not nice.

Biker47 · 03/11/2025 16:33

For someone who's not a working person, I seem to spend a lot of my time at my place of employment, I'm honestly not surprised anymore at the utter shite Labour and it's acolytes come up with these days, so meh.

RubySquid · 03/11/2025 16:33

twistyizzy · 03/11/2025 13:14

Low earners can claim benefits to top up their salary. People on 45K+ are the ones paying for those benefits. But we should just continue to work full time to pay more and more money in tax to support people who don't work or only work part time? Sorry, no! That's completely batshit.

Not everyone can. I certainly don't qualify for any help earning around 16k. No top ups for many people

I dont actually need it but that's by the by

nearlylovemyusername · 03/11/2025 16:34

Alexandra2001 · 03/11/2025 16:09

Inflation pre election inflation was at a high of 12%, its 3.8% now, the lows of 2.4% wasn't sustainable according to Andrew Bailey.

This spike in inflation was not driven by pay rises was it?

Its funny you go to great lengths to explain company payroll budgets but then say those who work PT should lose UC and work FT instead... i assume you realise companies will either not have the budget/work for this OR they'll get rid of another PT worker?

Then there will be the increase in child poverty, which costs more in the longer term

How exactly is cutting money going into the local economy, putting PT workers on dole and more children into poverty boosting growth?

Yet you have the nerve to call the pp simplistic.

Let's try again.

You cut welfare bill drastically means you reduce deficit means your debt becomes cheaper to service. It's 100bn pa of interest alone IIRC? so here's your savings immediately.
In parallel you reduce tax, employers NIC is the first one, you get rid of cliff edges so businesses start investing and those high fliers which we have (had) plenty of actually chose to stay here rather than move to Dubai/Italy etc. It really is simple.

ChardonnaysBeastlyCat · 03/11/2025 16:34

RubySquid · 03/11/2025 16:28

Not as far as the. Hmrc are concerned. People are taxed individually.

Well yes, for tax purposes it's everybody for themselves.

If, however, the poster wanted to apply for UC because she's only working part time, then her husband's earnings will be counted as joint income.

How is that fair?

RubySquid · 03/11/2025 16:38

ChardonnaysBeastlyCat · 03/11/2025 16:34

Well yes, for tax purposes it's everybody for themselves.

If, however, the poster wanted to apply for UC because she's only working part time, then her husband's earnings will be counted as joint income.

How is that fair?

It isn't at all. I don't make nor agree with that rule.

Mind you if they did treat income separately there would loads of sahm with fairly well earning husbands claiming benefits for themselves when they don't actually need it

Not sure what the answer is

mumsnit1 · 03/11/2025 16:39

OneAmberFinch · 03/11/2025 10:39

The quoted poster got a house paid off via a windfall (although I assume in a relatively cheap part of the country) and is retired on a low income which I assume is the state pension.

She would like to tax people on £45k more, to fund her existence (via pension), because they are "rich".

This group includes, say, single parents paying £2k+ a month private rent in London (from their £3k net salary).

I am the communist for being against increased redistribution in this case? Those two families are on very similar incomes net of housing costs.

The quoted poster seems nice, helping her neighbours with advice etc. My beef is not with her but with a society that judges everyone by headline salary rates.

Thatb single parent is going to get about 1000gbp a month at least in benefits though. So not badly off at all

nearlylovemyusername · 03/11/2025 16:41

Thinking about it - what Labor are doing is getting rid of middle classes. Not uber rich, they can't do anything about the likes of Musk, Zuck, Besos etc. These ones control SM means our data and largely can influence opinions of majority of population.

Poor people tend to vote for far right (please don't start fight, it's stats) which works really nicely for those truly rich. So instead of trying to grow middle class Labor are giving the country away to Farage. How stupid

mumsnit1 · 03/11/2025 16:43

SpaceRaccoon · 03/11/2025 13:05

As the uk median salary is just under £39K, it's fair to say that those earning £45k are doing ok

A two-adult household both earning that? Sure. A one-adult household supporting children, not so much. That's a monthly take-home of around 2,993.

Now assume that person is in the south east, and renting a 3-bed semi or terrace, more than half of that will go on rent. Then they need to pay for a car or commuting costs, utilities, council tax, water, insurances, phone, groceries for themselves and children, clothing for the children.... do you think that person feels like they're "doing okay", or do you think they're exhausted, struggling at the end of the month and would probably be better off packing in having a work ethic and sitting on benefits?

They will be eligible for benefits, to the tune of about 12000 a year, not too shabby really!

LaserPumpkin · 03/11/2025 16:45

mumsnit1 · 03/11/2025 16:43

They will be eligible for benefits, to the tune of about 12000 a year, not too shabby really!

But this is the crazy thing.

They qualify for benefits because their income is too low, so let’s tax them more because they earn too much.

Make it make sense!

TightOnes · 03/11/2025 16:46

RubySquid · 03/11/2025 16:28

Not as far as the. Hmrc are concerned. People are taxed individually.

If we were to divorce (which we won't) don't I get 50% of the martial assets etc? 50% of the pension?

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