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Kirbert2 · 26/11/2025 15:30

memyselfandI2025 · 26/11/2025 15:19

Not in my area there isn’t. I’ve alterations looked into this !!

Not in my area either.

memyselfandI2025 · 26/11/2025 15:31

TeenagersAngst · 26/11/2025 15:27

What do you mean? What extra support?

I do read although your post was quite hard to understand with the complete lack of punctuation.

If you have 2 or more children you’ll only get extra money with the cap being lifted for any child born after 2017 only if you meet the working requirement so your anger on the last part of your post to non working people is pointless 😅

DuchessofStaffordshire · 26/11/2025 15:33

AirborneElephant · 26/11/2025 13:27

We can hope, but unfortunately the blaggers are more likely to be able to fake it face to face than some of the people who actually need help. They’ve u turned on any of the necessary changes to the actual criteria.

Yes, the cynic in me tends to agree. I have a MIL who has form for making herself look more disabled in the face of assessors and medical professionals. Not taking her pain relief beforehand etc.

WildCats24 · 26/11/2025 15:36

AmberFawn · 26/11/2025 13:21

I think you’ve completely misunderstood a major point, the cash ISA allowance is being lowered to push S&S ISA instead. Which will stimulate the economy if uptake is good.
S&S ISAs outperform cash ISAs in the long term anyway so absolutely nothing about this move shouts don’t save.

How will they police this though? UK shares underperform global shares, so my S&S ISA is invested in both a global tracker and an S&P (US) tracker. I swerve the FTSE tracker.

Hardly investing in British business. Do they intend to mandate British investment? If so, it would be expensive to implement/monitor.

WildCats24 · 26/11/2025 15:40

BIossomtoes · 26/11/2025 13:24

Our S&S ISAs are performing very well.

Are they invested in British companies, or global companies?

888casino · 26/11/2025 15:51

Scraping the two child limit must be a joke? I’m not perfect got pregnant at 15 fave birth at 16 but 4+ kids by 4 different dads and expecting other peoples taxes to pay is surely taking the piss?
I mean seriously? Raising taxes for THIS?? I doubt many people will vote labour again

Bumblebee72 · 26/11/2025 15:56

memyselfandI2025 · 26/11/2025 14:47

that’s not as simple as you make out, you only ged a certain amount in childcare costs plus some single mums don’t have the massive chunk asked of the upfront. People make it sound so easy

Lots of people make it sound easy because they do it!

Bumblebee72 · 26/11/2025 15:57

888casino · 26/11/2025 15:51

Scraping the two child limit must be a joke? I’m not perfect got pregnant at 15 fave birth at 16 but 4+ kids by 4 different dads and expecting other peoples taxes to pay is surely taking the piss?
I mean seriously? Raising taxes for THIS?? I doubt many people will vote labour again

It is taking the piss but that is how some people think.

KitWyn · 26/11/2025 16:12

FallingIntoAutumn · 26/11/2025 14:08

I agree.
but those kids will be paying mine and your pension. The better they do in life, the better the economy and our lives will be.

Both nature and nurture matter when raising healthy, happy children who are likely to be net tax contributors as adults.

Large families born to a couple who rely largely on benefits - due to poor health/limited education/low skills/a culture of women not working outside the home, will typically grow up to have very similar adult lives. They're also likely to be large net money takers. So an additional lifelong cost to the public purse. Not additional contributions.

Being a parent is a great source of happiness for many, but if we need significant means-tested benefits (and/or are heavily subsidised via social housing), we should stop at two children. It's taking the proverbial to be so reliant on other people's money, and to keep demanding more money for your third, fourth and fifth child. And, no doubt, demanding to be rehoused in a much larger council house.

I am furious by the removal of the Cap.

HolidaysAreComing25 · 26/11/2025 16:16

@KitWyn I agree. RR may have won the approval of her backbenchers and charities but I think it's just lost labour a lot of voters.

WildCats24 · 26/11/2025 16:18

Kuretake · 26/11/2025 13:32

I don't think this can be right - so you put money in in about 2014 and by 2019 it hadn't increased at all? I had the same provider and mine grew plenty over that period, are you sure this isn't some admin issue and you've lost out?

Depends on what it was invested in. Blackberry, Blockbuster Video, BHS, Mothercare? Those shares would have all tanked, no? That’s why there’s always the caveat that investments can go down as well as up.

AmberFawn · 26/11/2025 16:30

WildCats24 · 26/11/2025 15:36

How will they police this though? UK shares underperform global shares, so my S&S ISA is invested in both a global tracker and an S&P (US) tracker. I swerve the FTSE tracker.

Hardly investing in British business. Do they intend to mandate British investment? If so, it would be expensive to implement/monitor.

I don’t know how they will police it, I agree with you. You’ve got to hope further incentives for UK (and maybe ethical, like renewable energy) may be coming.

BIossomtoes · 26/11/2025 16:30

And how many jobs do you see that don’t require you to work weekends

In the 45 years I worked I can count the number of times I was required to work weekends on my fingers.

KitWyn · 26/11/2025 16:40

WildCats24 · 26/11/2025 16:18

Depends on what it was invested in. Blackberry, Blockbuster Video, BHS, Mothercare? Those shares would have all tanked, no? That’s why there’s always the caveat that investments can go down as well as up.

Most people who aren't financial experts choose to invest in Exchange-Traded Funds (ETFs) within their Stocks and Shares ISA.

Not buying individual shares in Woolworths, Topshop or Comet!

ETFs manage your risk by spreading your money across many different companies and business sectors. e.g. FTSE100, FTSE250, FTSE All-Share or their Global equivalents. The idea being that some companies/sectors you buy into, will do very well, and a few others much less so. But overall the Fund's performance will be positive

Over 5 years or more these are likely to outperform Cash ISAs. If they don't we are all in a great deal of trouble!

WildCats24 · 26/11/2025 16:41

FallingIntoAutumn · 26/11/2025 14:08

I agree.
but those kids will be paying mine and your pension. The better they do in life, the better the economy and our lives will be.

Those kids won’t be paying our pensions; the kids whose parents thoughtfully plan their family sizes and have the time/inclination to read books to/help with homework will be paying our pensions.

HarryVanderspeigle · 26/11/2025 16:42

You can currently hold cash in a stocks and shares isa; and transfer from s&s to a cash isa. All people need to do is invest the full £20k before the end of the tax year, then move elsewhere in the new tax year to cash. It will then all be previous years contributions, so not count towards the £12k.

I am not sure if have ever agreed with Kemi before, but agree with her today that this was an utter shitshow (paraphrasing). Tax middle income workers more, disincentivise saving and give out more in benefits. I am including the state pension as a benefit.

TeenagersAngst · 26/11/2025 16:58

memyselfandI2025 · 26/11/2025 15:31

If you have 2 or more children you’ll only get extra money with the cap being lifted for any child born after 2017 only if you meet the working requirement so your anger on the last part of your post to non working people is pointless 😅

What 'working requirement'? Are you saying that working families and non-working families are treated differently for the purposes of the cap?

If that's the case, marvellous. I don't believe it is though. I thought all people in receipt of child-related UC or tax credits would be included in the lifting of the cap.

memyselfandI2025 · 26/11/2025 17:03

TeenagersAngst · 26/11/2025 16:58

What 'working requirement'? Are you saying that working families and non-working families are treated differently for the purposes of the cap?

If that's the case, marvellous. I don't believe it is though. I thought all people in receipt of child-related UC or tax credits would be included in the lifting of the cap.

Yes they are treated differently in relation to the cap, only working parents will get the help for extra kids.

WildCats24 · 26/11/2025 17:04

KitWyn · 26/11/2025 16:40

Most people who aren't financial experts choose to invest in Exchange-Traded Funds (ETFs) within their Stocks and Shares ISA.

Not buying individual shares in Woolworths, Topshop or Comet!

ETFs manage your risk by spreading your money across many different companies and business sectors. e.g. FTSE100, FTSE250, FTSE All-Share or their Global equivalents. The idea being that some companies/sectors you buy into, will do very well, and a few others much less so. But overall the Fund's performance will be positive

Over 5 years or more these are likely to outperform Cash ISAs. If they don't we are all in a great deal of trouble!

I know what ETFs are—I invest in a S&P 500 and a global ETF myself. I was replying to the PP who refused to accept that another PP lost money in shares.

thisfilmisboring123 · 26/11/2025 17:07

TeenagersAngst · 26/11/2025 16:58

What 'working requirement'? Are you saying that working families and non-working families are treated differently for the purposes of the cap?

If that's the case, marvellous. I don't believe it is though. I thought all people in receipt of child-related UC or tax credits would be included in the lifting of the cap.

The lifting of the cap is for everyone, however what that poster is referring to is the benefit cap.

So someone who has 3/4 children will be eligible for the child element for all of the children under new rules, however overall they may not get all of this as it may take them over the benefit cap.

People are expempt from the benefit cap if they/or a person or child they live with gets certain disability benefits or if they work and earn over £846 per month.

TeenagersAngst · 26/11/2025 17:07

memyselfandI2025 · 26/11/2025 17:03

Yes they are treated differently in relation to the cap, only working parents will get the help for extra kids.

Do you have a source for this? I can find no mention of it only applying to working families.

TeenagersAngst · 26/11/2025 17:08

thisfilmisboring123 · 26/11/2025 17:07

The lifting of the cap is for everyone, however what that poster is referring to is the benefit cap.

So someone who has 3/4 children will be eligible for the child element for all of the children under new rules, however overall they may not get all of this as it may take them over the benefit cap.

People are expempt from the benefit cap if they/or a person or child they live with gets certain disability benefits or if they work and earn over £846 per month.

THat's not how I interpreted the PP's post. They implied that only working families benefit from the lifting of the two-child limit.

memyselfandI2025 · 26/11/2025 17:10

TeenagersAngst · 26/11/2025 17:08

THat's not how I interpreted the PP's post. They implied that only working families benefit from the lifting of the two-child limit.

Because only working families will benefit from
it due to the overall benefit cap which includes a cap on all benefits being claimed, so by the time you’ve got help for your rent, support for 2 children it will take you over the cap so any money awarded for the extra kids gets taken away

thisfilmisboring123 · 26/11/2025 17:14

memyselfandI2025 · 26/11/2025 17:10

Because only working families will benefit from
it due to the overall benefit cap which includes a cap on all benefits being claimed, so by the time you’ve got help for your rent, support for 2 children it will take you over the cap so any money awarded for the extra kids gets taken away

No, not only working families.
People with disabilities are also exempt from the benefit cap.
As mentioned before 560,000 people will benefit from lifting this.

Randommother · 26/11/2025 17:15

I’ve just found an online calculator and apparently I’m going to be £1,400 a year worse off thanks to this budget! Thanks Labour

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