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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Fuck it - the government will look me

666 replies

Phonicshaskilledmeoff · 09/11/2025 09:05

I am becoming increasingly frustrated with the way our country is run. I love my country, but what on earth can I do to fix it? the Rachel reeves pension and stamp duty rumours have tipped me over the edge.

I believe 90% of our lives is the summation of our own choices. Bar (some of) our own (and families) health and tragic life events, there is very little we can’t choose in this country.

I’m not saying that the playing field is fair - I absolutely acknowledge that some groups face structural barriers that make good choices harder. Others are unaware those choices even exist. That’s where government should step in—not to equalise outcomes, but to equalise access to meaningful choice.

I think we all acknowledge that bad governments are ones that take away choices. This government, however is also taking away choice by incentivising bad choices. Policies should nudge people toward self-sufficiency, not make state reliance easier than self-reliance, or rewarding short-term decisions over long-term

Our Government should be working towards equitable availability of choice (not equal - see below) to make sure those choices are as easy and available to everyone. Policies should be in place to make sure people are encouraged to make the right choices.

I increasingly feel like I make the right choices and think what was the bloody point!

I’m going to wish I never paid into my pension soon and went on holiday instead! Should I just spend my money, move into a smaller house and quit my job. At this point I think I’d be better off.

Jargon Buster - EQUALITY - It’s assumed there is a level playing field and everyone gets the same resources. EQUITY - Everyone gets what they need to succeed, which may mean different levels of support.

OP posts:
nomoreforks · 09/11/2025 12:10

I think the country is definitely much more unequal however it sounds like Labour are hoping to get more money from the slightly more affluent than average citizens rather than targetting the super rich and the corporations who use tax planning to avoid tax (amazon etc..). For example, small terraced houses might be worth more than £2m in London which seems a bit crazy as they are probably smaller than the average UK house. Mansion tax might be a reasonable idea but target those who have big incomes rather than pensioners who bought properties 50 years ago.

Negroany · 09/11/2025 12:11

Phonicshaskilledmeoff · 09/11/2025 12:09

Please advise what you believe is a sensible news source

Not news, I didn't say news. Mind you, The Week is quite good because it rounds up all the news from different sources so you get more balance.

Maybe an economics book? Or some political history?

Phonicshaskilledmeoff · 09/11/2025 12:12

LakieLady · 09/11/2025 12:10

I think OP has a point, enjoy your life, spend your money, work until you’re 70 then go on pension credit with housing paid and all the other benefits that come with that.

I'm rather envious of my MIL, who's worked for less than 10 years of her entire life. She gets pension credit, which is only around £7pw less than I get in state pension after working constantly from the age of 17 to 70, plus she gets full housing benefit and 100% reduction in her council tax.

Some of my working life was in the public sector, and my "gold plated" public sector pension is a princely £240 a month after tax. My council tax is £153 a month and I'm not entitled to any reduction save for the 25% single occupier discount. But the bit I'm most envious of is that whenever something goes wrong with MIL's house, she just picks up the phone and the council come and sort it. I have to find a tradesman to sort it and fork out for repairs. And she's still living in the spacious 3-bed house she's lived in since 1960 - no "bedroom tax" for pensioners.

Yes, it doesn’t fill anyone with joy knowing how hard they’ve worked to arrive at the same if not worse outcome than someone that did not work hard

OP posts:
Swiftie1878 · 09/11/2025 12:12

BringBackCatsEyes · 09/11/2025 12:03

Can you point me to a source for this stat please?

I‘m still digging into this myself - it was mentioned by a contributor on Sky News Press Preview earlier this week.
So far, I’ve got to ‘46.7% of people live in households that are net contributors’, and I think the 30% comes from a further breakdown within those households.
When I get to the crux of it, I’ll come back and post!

YesSirICanNameChange · 09/11/2025 12:13

Avantiagain · 09/11/2025 12:07

"But motability cars for ADHD is a thing. "

How many people have a motability car where ADHD is their only diagnosis?

I wonder if I'm included on the "mobility cars for ADHD" list. ADHD is first on the list of conditions from the GP that I give PIP as evidence, either because it's alphabetically first or was diagnosed first.

I get a motability car and full PIP because of the brain tumour and uncontrolled epilepsy, but it wouldn't surprise me at all if I'm included in the "motability for ADHD" statistics people keep talking about.

EasternStandard · 09/11/2025 12:14

Negroany · 09/11/2025 12:11

Not news, I didn't say news. Mind you, The Week is quite good because it rounds up all the news from different sources so you get more balance.

Maybe an economics book? Or some political history?

What economic theory is the op getting wrong in your view?

bottledboot · 09/11/2025 12:15

Mansion tax might be a reasonable idea but target those who have big incomes rather than pensioners who bought properties 50 years ago.

@nomoreforks why just higher earners though who are likely paying mortgages?

bottledboot · 09/11/2025 12:16

@Polaris81 what do you mean?

Polaris81 · 09/11/2025 12:18

nomoreforks · 09/11/2025 12:10

I think the country is definitely much more unequal however it sounds like Labour are hoping to get more money from the slightly more affluent than average citizens rather than targetting the super rich and the corporations who use tax planning to avoid tax (amazon etc..). For example, small terraced houses might be worth more than £2m in London which seems a bit crazy as they are probably smaller than the average UK house. Mansion tax might be a reasonable idea but target those who have big incomes rather than pensioners who bought properties 50 years ago.

And when that fails to raise the required revenue, then what?

What happens when Reeves starts going after the more narrow shouldered - which is already plausible for the 26th.

Swiftie1878 · 09/11/2025 12:18

Negroany · 09/11/2025 12:10

They "could choose" to change anything, obviously.

What's the point of a discussion of hypotheticals?

Maybe they should tax per word on internet forums.

Discussing hypotheticals is a healthy thing to do. Being prepared is a key to making good decisions and surviving uncertainty.

If you don’t want to, scroll by. Don’t be rude and sanctimonious.

MNLurker1345 · 09/11/2025 12:18

Rrfdssf · 09/11/2025 11:21

So should the Tories have done austerity or not?

Austerity, the result of the 2008 financial crash, was an apparatus to control out of control government borrowing and to reassure the markets (we have all become educated in gilt bond markets under this government), in order regain market confidence.

As a result of austerity, interest rates on government borrowing did fall.

But austerity made our institutions poorer and as a result less productive. Institutions that are the backbone of our society, health, education, policing. And it went on for too long.

Successive governments have continued austerity measures, by stealth, which we now know of as fiscal restraint. Manage the economy,
avoid collapse.

We are borrowing more and more for welfare payments, the NHS, debt interest and pensions.

As to whether austerity should or should not have happened, I think there was no choice. But I do think today’s government does have a choice, stop managing decline and stop punishing ambition.

BionicWomansAnkle · 09/11/2025 12:19

Completely agree op. The education tax for example, based on the premise that parents would send their children to a state school if priced out and buy a new car with the money saved. What Government nudges parents away from investing in their children’s education? Utter madness.

bottledboot · 09/11/2025 12:20

But I do think today’s government does have a choice, stop managing decline and stop punishing ambition.

But how does one do that after years of under investment?

Polaris81 · 09/11/2025 12:20

bottledboot · 09/11/2025 12:16

@Polaris81 what do you mean?

Not everyone is equal in their contribution to the UK - economically, or otherwise.

Nor is everyone equal in their ability to contribute.

The world is not egalitarian - never has been, never will be.

Socialism does not work - never has done, never will do.

EasternStandard · 09/11/2025 12:20

Swiftie1878 · 09/11/2025 12:18

Discussing hypotheticals is a healthy thing to do. Being prepared is a key to making good decisions and surviving uncertainty.

If you don’t want to, scroll by. Don’t be rude and sanctimonious.

This the pp having a go is posting anyway rather than not.

Plus Labour is kite flying to gauge opinion. If you don’t want something to happen say so.

EvangelicalAboutButteredToast · 09/11/2025 12:20

Negroany · 09/11/2025 11:43

Not taxed on pensions on the way in, that's the whole point of them. But if you were it, and the tax when you draw them, is covered in your list under "income tax".

You missed insurance tax, tax on utilities (can't remember what it's called, but 5% on gas and electric), travel tax on flights.

The tax on private education is on your list, it's VAT.

I'm quite well off, but I've never had to pay capital gains tax. Individuals don't pay corp tax. I do, because I have my own company, but it's pretty low because I put as much of my income as possible into the pension.

Inheritance tax only around 6% of estates pay.

Ah that would explain the recent thread where RR was apparently planning on stopping people from overpaying into pensions to avoid income tax cliff edges.

fivebyfivefaith · 09/11/2025 12:21

I dunno what they don’t incentivise
I’ve lost my job through no fault of my own after being employed since I was 13 on a work permit, I also have a degree

the government gives me £400 UC and that’s it to live on until I find a new job. It just covers my mortgage. No money for gas, electric, council tax, food…

BMW6 · 09/11/2025 12:22

Phonicshaskilledmeoff · 09/11/2025 10:16

sorry about that.

i want to government to support positive choices - ie saving for retirement, finding employment, buying a house, having children when you can afford them.

So you just want a Government who encourage self reliance and personal responsibility for their own lives?

Sounds a vote winner to me - Welfare for those who cannot support themselves, for genuine reasons, not the work shy and grifters.

bottledboot · 09/11/2025 12:22

@Polaris81 I never claimed otherwise? But what does that have to do with my post? We have high inequality vs other similar countries, why do you think that is?

WildLimePoet · 09/11/2025 12:22

Negroany · 09/11/2025 12:01

Why do you have a problem with notability cars? You know people who have them fund them themselves, right?

Lie. Motability cars are taxpayer funded. Almost one in 4 new cars are taxpayers buying cars for people who don’t work.

Rrfdssf · 09/11/2025 12:22

EvangelicalAboutButteredToast · 09/11/2025 11:41

Bad advice. I stupidly said similar to my kids. Now I tell them to get a great education and a good job in another country.

What's bad? How is anything you said different?

Muffinmam · 09/11/2025 12:22

BMW6 · 09/11/2025 09:10

Can't make head nor tail of what OP is asking.

Me neither. I understand the discontent - but I do not think she articulated her discontent in any meaningful way; so, it was a rant about nothingness.

plumclafoutis · 09/11/2025 12:23

MNLurker1345 · 09/11/2025 10:32

I would challenge this also. My mum did
not work much in her life, she had to
many children that she could not afford. She is now living in a brand new-build and living
very comfortably on the state pension. And she has a moan every now and then that it’s not enough. And my mum is not unique.

I ask her where does she think it comes from and why she feels so entitled.

No one is saying that she should be put out on the street or left to starve to death. But her needs are provided for, whilst others that make better life choices, and I did despite my mum, are not being considered.

OP feels punished for making responsible choices, a sentiment many feel now. We work, save, make sensible choices, while the system ignores this.

Why bother doing it properly if it no longer counts?

I feel much the same. It’s exhausting trying to do the right things and then watch policy after policy, such as OP mentions, chip away at any sense of reward or stability.

How is your mum ‘living very comfortably’ on the state pension which is just of £900 per month? It is lower than most European countries and cost of living is high, in particular our fuel and food bills.

People talk about ‘the government’ but forget this one has only been in for a year and a half. You can’t sort out over 18 years of austerity and bad decisions in that time. I don’t know what the solution is but it is not the fault of disabled people or pensioners surviving on the most basic of pensions. We always punch down in this country.

WildLimePoet · 09/11/2025 12:23

Polaris81 · 09/11/2025 12:20

Not everyone is equal in their contribution to the UK - economically, or otherwise.

Nor is everyone equal in their ability to contribute.

The world is not egalitarian - never has been, never will be.

Socialism does not work - never has done, never will do.

No point trying to explain to people who didn’t pay attention in GCSE economics or don’t pay attention to how economies of countries around the world are functioning.

EasternStandard · 09/11/2025 12:23

Muffinmam · 09/11/2025 12:22

Me neither. I understand the discontent - but I do not think she articulated her discontent in any meaningful way; so, it was a rant about nothingness.

Read her subsequent posts.

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