Meet the Other Phone. Flexible and made to last.

Meet the Other Phone.
Flexible and made to last.

Buy now

Please or to access all these features

Money matters

Find financial and money-saving discussions including debt and pension chat on our Money forum. If you're looking for ways to make your money to go further, sign up to our Moneysaver emails here.

Council Tax

269 replies

EverythingAllatOnceAllTheTime · 03/09/2024 06:38

Does Labour plan to scrap the single person council tax discount?

OP posts:
Just4thisthreadtoday · 03/09/2024 20:45

Ihateboris · 03/09/2024 17:44

How the hell are single people expected to find an extra 25% council tax?? I know there will be people who say "well you'll just have to downsize!" But what if we're already living in the lowest band property?? Ffsake, if this goes ahead, it will literally push people who are already struggling over the edge. What is the point of working, just to pay the ever increasing bills?

I promised myself I wouldn't drink for a few weeks, but I'm seriously tempted to have a very large glass of wine! Any other single dwellers care to join??

@Ihateboris

if I downsize any further, it'll have to be shed in a friends garden!!

I feel the urge to join you, but currently on medication & it would make me puke 🤮 so have one for me!

Bananamuffins123 · 03/09/2024 20:45

1990s · 03/09/2024 10:25

Anyway CT will rise by 5% as it does each and every year, whilst we get less and less :(

Have you asked yourself how we’ve ended up in this situation? Because I can tell you council tax getting more expensive and giving less services comes after it being consistently too low and underfunded for a long time.

If reasonable rises had been put in place over time, other service such as social care and housing been funded properly and not cut to the bone, we would be in a much better place now.

This has been created by the Tories. If they’d correctly funded all these things over the last fifteen years it wouldn’t need to be fixed now!!

How is it too low?! . We pay £220 for a small 2 bed flat, it has gone up 20% in the last 2 years

Miley1967 · 03/09/2024 20:46

Spectre8 · 03/09/2024 20:44

You do realise you can claim for carers allowance, attendance allowance etc when you need care. So it's bs to keep saying well a partner will do the caring, well they can claim carers allowance don't forget!

So let's stop harping on like single people in old age needing care is going to cost more.

And as a single person I'm already making my own provisions to pay for care thank you very much. Mostly cos I want to be able to afford the best care I can but thay is besides the point.

Edited

A pensioner receiving state pension cannot receive carers allowance if their state pension is more than the carers allowance amount which most people's will be. They are overlapping benefits. they can get a carers premium on a pension credit calculation if they qualify for pension credit.

XenoBitch · 03/09/2024 20:47

Crikey, I really hope not.
I know several people already who have fuck all left after their bills etc. Having to pay an extra 25% in CT will push them over the edge.

Timetotrimtoenails · 03/09/2024 20:50

@Bumpitybumper I don't know if you're misunderstanding my posts or ignoring what I'm trying to say. I'm tired and maybe not articulating well.

I didn't say I thought children shouldn't be paid for. As I'm a parent I obviously appreciate tax money helping fund them.

You're the one who seems to think some people ("entities") are less important. I apologise though if I'm misinterpreting your posts.

You seem to think single people (who, as I've said, include single parents) are "more of a burden" regarding later life care. Again apologies if I'm misinterpreting your posts.

I was simply trying to point out the unfairness of your claims. Yes everyone was supported when the were kids but single childless/childfree people pay a second time for other people's children.

That's fine because, as you and I both agree, we're in a society. That however means reciprocity. So if a childfree/childless person needs social care, they've paid their way and until needing care taken less.

JenniferBooth · 03/09/2024 20:52

Bumpitybumper · 03/09/2024 18:29

I was literally referring to the 'single AND child free' as in people having both of these characteristics.

Single people are more likely to need social care because they don't have a partner to care for them. A large proportion of carers are partners. They may both be the same age but it's very common that the one in better health cares for the one in poorer health. People that are child free are also more likely to need social care because a large proportion of carers are adult children. It's just common sense. Not many nieces, nephews, cousins are going to devote enough time to become carers in a meaningful sense. Statistics show this.

I don't think any of this is massively controversial in the same way that you can say that households with more people are more likely to generate more waste. There will always be examples where a household occupied by a single person generates more waste than a family of six but this will be relatively rare.

YES a large proportion of carers ARE partners. Didnt seem to cut much ice when they changed the rules on claiming Pension Credit for mixed age couples five years ago though. Funny that!!! The younger partner WILL end up caring for the older partner and without PC now has work condtionality as well. I wonder how many of them downed tools and how this has affected the pressure on social care.....
https://www.mumsnet.com/talk/money-matters/3479693-Changes-to-Pension-Credit

Changes to Pension Credit. | Mumsnet

From 15 May Pension Credit couple rate will only be paid if both are over 65 [[https://twitter.com/JosephineCumbo/status/1084920673296961536]]...

https://www.mumsnet.com/talk/money-matters/3479693-Changes-to-Pension-Credit

DonnaDonna0 · 03/09/2024 20:53

Welcome to the Labour Government!
They’re going to continue to screw over the working class and the fat cats get fatter and people thought they would be better than the Tories.

Just4thisthreadtoday · 03/09/2024 21:01

TooExtraImmatureCheddar · 03/09/2024 19:10

Shared minibuses are cheaper than individual taxis.
Getting the bus is cheaper again, even with an escort.
SEN teenagers could have travel training to enable them to use public transport.

There will be many exceptions, kids who can never travel independently etc etc, but children grow and develop - at 12 a child may need a taxi, but by 15 they might not.

@TooExtraImmatureCheddar

one way of announcing you have no knowledge of the difficulties around school transport for children with SEN

Tryingtokeepgoing · 03/09/2024 21:06

PenelopePitStrop · 03/09/2024 09:17

I feel absolutely sick at this thought.

I am a single woman, 9 months into living on full state pension, with a v small private pension on top.

I have my own small, modest, Band B property, as I prioritised putting a roof over DC’s heads over savings etc.

So now as a single person I have to heat my home on one pension income (a couple use one boiler but share the cost!), have repairs, maintenance costs for my home, boiler servicing, sole responsibility for all overheads that couples share: TV Licence, insurance, broadband, and I pay 75% of the CT.

I am still fit and active so got out and about last winter to avoid heating my home during the day (my birthday just missed the cut off for Winter Fuel Allowance last year so I didn’t get it, even though I was a pensioner from October) and even so I could barely afford the bills for heating for 3 or 4 hours a day.

Not entitled to any benefits or help with anything.

I feel sick.

You have my commiserations, and I hope that it doesn’t come to that. A friend of mine is in a similar sort of position. Her pensions income, state and private, after tax is around £1,700 a month. Not the breadline, but after council tax, utilities and insurance it’s about £1,300. The removal of the winter fuel allowance has already reduced that by £25. The removal of the 25% council tax discount would reduce it by another £40 or so. The removal of the tax free element of pensions would knock another £70 or so off. So, if all three of those things are actioned she’ll more than 10% worse off in terms of disposable income straight away. And that’s when most research says you need around £2/£2.5k a month net for a comfortable retirement. I can’t believe that even this lot would penalise those on below average income that much.

Just4thisthreadtoday · 03/09/2024 21:07

TooExtraImmatureCheddar · 03/09/2024 19:29

Do you use roads, pavements, street lighting, litter bins, recycling, waste collection, parks, schools, leisure centres, museums, galleries, etc? Is it in your interest to have flood management, pest control, trading standards, planning and building standards and environmental health all looked after in your local area? What about the vulnerable people - children in care, in poverty, refugees, the disabled, the old and frail? That’s what council tax pays for.

@TooExtraImmatureCheddar

could you try to explain what that has to do with my post you quoted?

SS it is I pay 75% council as opposed to the 50% someone in a couple pays. If they remove the SPD I'll be paying the same for just me as a couple pays. Feel free to explain how that's fair

Timetotrimtoenails · 03/09/2024 21:07

@Bumpitybumper
As for the claim that childless and childfree people are "more of a burden" later in life.

First, although figures may change in the future, currently older people without children are a minority. Something like 17% of over 45s.

So the majority of older people have children - yet many still need social care. For a variety of reasons. A big one being that their adult kids have their own kids and are busy caring for them.

Also not many people can afford to give up their jobs to care for elderly parents especially with mortgages or rents to pay and especially if they need to support their own kids. There's also the issue that often the level of care needed is unmanageable for family.

Secondly, it's long been the case that single childless/childfree adult children (especially, according to the article below, women) are more likely to care for elderly parents. At high economic cost. This article is about Australia but it's relevant to the UK too.

Caring duties for elderly parents (and sometimes siblings) disproportionately falls on single, childless daughters

www.theguardian.com/lifeandstyle/2023/dec/03/i-fret-about-the-years-that-lie-ahead-the-unique-caring-burden-of-single-childless-daughters

Again, I'm not saying children shouldn't be supported by society. As a mother I'd be odd to think that! However, I do think single people (childless/childfree and single parents) need a fairer deal with housing, council tax, etc.

Just4thisthreadtoday · 03/09/2024 21:16

Bumpitybumper · 03/09/2024 20:18

The cost of care is so extortionate that actually depending on how much CT you pay, it could quite quickly add up to a lifetime of paying 25% extra CT. Do you know how much care homes cost per week?

As I mentioned up thread children are their own entity and shouldn't be bundled as an additional beneficiary. We all had a childhood where our education etc could have been funded by the state. Child free people don't get to just forget this and make out that the only beneficiaries of services aimed at children are other people's kids when they themselves benefited. You enjoyed paying no CT when you were a kid. You benefitted then. Stop begrudging other children getting the same as you enjoyed.

@Bumpitybumper

stop patronising me. Yes I'm all too bloody aware of care home fees.

I'm not begrudging children anything! I simply don't think I should be paying the same as two other adults.

Bumpitybumper · 03/09/2024 21:17

Timetotrimtoenails · 03/09/2024 20:50

@Bumpitybumper I don't know if you're misunderstanding my posts or ignoring what I'm trying to say. I'm tired and maybe not articulating well.

I didn't say I thought children shouldn't be paid for. As I'm a parent I obviously appreciate tax money helping fund them.

You're the one who seems to think some people ("entities") are less important. I apologise though if I'm misinterpreting your posts.

You seem to think single people (who, as I've said, include single parents) are "more of a burden" regarding later life care. Again apologies if I'm misinterpreting your posts.

I was simply trying to point out the unfairness of your claims. Yes everyone was supported when the were kids but single childless/childfree people pay a second time for other people's children.

That's fine because, as you and I both agree, we're in a society. That however means reciprocity. So if a childfree/childless person needs social care, they've paid their way and until needing care taken less.

Sorry, I literally can't follow your line of reasoning.

I don't think anyone is less important than anyone else. I simply don't think child free people are less of a burden on council services because they don't have children.

They cost the same when they're children themselves and are likely to cost more in old age. Social care makes up well over half of what Council Tax is paying for so it's extremely relevant.

I have no idea how you can work out that child free people are paying twice? If everyone pays for themselves over their lives then people that are children now will grow into tax payers and pay back in CT the money that was spent on them as children and this the cycle continues.

Just4thisthreadtoday · 03/09/2024 21:18

Bumpitybumper · 03/09/2024 20:21

Also factually, having a partner reduces the likelihood you will burden the state system with Farr costs as much as being single. This is statistics. You may both end up needing care if in a couple,, but there is a good chance that the needs won't come at exactly the same time so there is often the opportunity for one partner to care for the other, at least for a period of time.

@Bumpitybumper

if you're not going to actually bother to read my posts, kindly stop @ me.

Just4thisthreadtoday · 03/09/2024 21:20

PandoraSox · 03/09/2024 20:26

I suggested everyone wait until the actual facts are known before they panic. Perhaps look up the meaning of "suggest"?

So happy to have had the chance to provide you with clarification.

🙄🙄🙄🙄🙄

JenniferBooth · 03/09/2024 21:29

Labour being urged to raise pension age to 68. So more parents can kiss goodbye to the free childcare that some grandparents provide.

XenoBitch · 03/09/2024 21:59

AppleDumplingWithCustard · 03/09/2024 16:05

Well in the space of a few weeks it has been reported/rumoured that:

Winter fuel allowance gone.
State Pension to be taxed.
Rail travel cards to be axed.
Single persons council tax rate to be axed.

As a single pensioner who is not rolling in money and without a massive property this was exactly what I feared from a Labour government. I’ve lived through several Labour governments over my lifetime and they are always the same.

Edited

Where have you read about railcards being axed?

I am in the process of getting one with my DP as we travel together a lot.

All I can see is about the discount being reduced by less than 1%.

TeaMistress · 03/09/2024 22:34

For a start off we should scrap the subsidised MP meals and their second home energy allowance. The government can get to fuck if they think that ordinary people should be funding that whilst they are trying to rob us of every penny we have. Our pointless cretin of a prime minister and his po faced chancellor know nothing about the reality of the lives of ordinary people in this country.
.

shittestusernameever · 03/09/2024 23:03

It pisses me off that former governments, and this one have squandered OUR money and we are being punished for it.
I'm sick of being squeezed and squeezed. I have no more money, I've cut out everything I can. I no longer have lunch each day!

I refuse to pay it. I'd rather go to prison.

ilovesooty · 03/09/2024 23:13

PandoraSox · 03/09/2024 10:25

I suggest everyone waits until the budget is actually announced. At the moment people are getting their pants in a panic over rumours.

Exactly.

EverythingAllatOnceAllTheTime · 04/09/2024 05:09

ilovesooty · 03/09/2024 23:13

Exactly.

And then when it all comes to fruition on 30th October, then what?

You will be silent, or will you try to defend the indefensible?

OP posts:
ArcticBells · 04/09/2024 06:15

I also read in the paper yesterday that the single person discount may well be scrapped. This will impact so many widowed, divorced, single, single parent families and would be a massive mistake and push many people over the financial cliff. For the elderly who live alone,what with no winter fuel allowance either,this will be a disaster

To those who voted labour, you wanted change snd you're certainly getting it and not for the better

Justwanttosleep2 · 04/09/2024 06:45

JenniferBooth · 03/09/2024 21:29

Labour being urged to raise pension age to 68. So more parents can kiss goodbye to the free childcare that some grandparents provide.

Pension age already is 68 for those around 44 and under.

SphinxOfBlackQuartz · 04/09/2024 06:57

I think this is the press's tactic. They are going to keep asking Labour about every possible rise over the next two months - knowing Labour cannot and will not deny it all because that would essentially leak the budget early - leaving the impression of a million tax rises before any have actually happened.

It's irresponsible because all it does is worry people before there is anything actually to worry about. But, of course, they don't care about that. They just care about political point scoring.

I'm not denying there may be tax rises and maybe this will even be one of them. But we don't know anything yet and it's really daft to panic people over made up rumours. Much better to wait to see what is actually going to happen.

Right now all we know the WFA is going for everyone not on benefits and that the triple lock is going to rise the pension by about £400 next year.

EverythingAllatOnceAllTheTime · 04/09/2024 07:01

SphinxOfBlackQuartz · 04/09/2024 06:57

I think this is the press's tactic. They are going to keep asking Labour about every possible rise over the next two months - knowing Labour cannot and will not deny it all because that would essentially leak the budget early - leaving the impression of a million tax rises before any have actually happened.

It's irresponsible because all it does is worry people before there is anything actually to worry about. But, of course, they don't care about that. They just care about political point scoring.

I'm not denying there may be tax rises and maybe this will even be one of them. But we don't know anything yet and it's really daft to panic people over made up rumours. Much better to wait to see what is actually going to happen.

Right now all we know the WFA is going for everyone not on benefits and that the triple lock is going to rise the pension by about £400 next year.

Don’t panic people you say.

How would you describe Starmer’s rose-garden speech please?

OP posts: