They are letting inflation erode the benefit and don't want to look into it as it draws attention to it.

They don't want to.

the fiscal drag brings in more tax for the treasury, that and the fact they are more bothered about Rwanda, EU courts, small boats, homeless in tents and imaginary tax cuts! in other words, red meat!

@@shaun906they also like spending public money and selling cheap government bonds to their mates. Which is probably the biggest scam of all and why they need to cut public spending on services and benefits as there’s more for them to skim off the top.

The Tories hands are tied by their extreme neolibralist dogma.

Get rid of the politicians,but not sure about getting Martin in.

Martin is already extremely wealthy; very clever man.

Austerity kills, it is and has always been a bloody expensive failure.

Exacty so. Austerity, Brexit, reduced wealth, reduced freedom of movement and protest. The list goes on.

@@willrichardson519what austerity you clown? We are spending record amounts.

TB

you know Martin Lewis is a multi-millionaire right? so it's two rich people talking about poor people topics

@chrisbowser one rips people off,the other has two sit down a millionaire who rips the people off. 2 millionaires Hunt rips the poor off the other helps the poor

@@laurencemorgan7488how is Martin Lewis ripping off people?

@intello8953 Read it again. iv edited it.Thats what I was getting at.

You do sound quite 😄 funny

And will move even further back when Mr Lego Head gets in 😊

@@asmith6647 Trump doesn't qualify.

It moved backwards when it voted in Bliar

Britbongostan stirred backwards when Bliar came and sithen, we have lived within his Paradigm. Party matters not; only that we live in Bliars B-R-I-T-B-O-N-G-O-S-T-A-N

​@@asmith6647because he's a conservative, too

@@Billy_the_fish1 Did you help co-author Britannia Unchained by any chance?

@@Billy_the_fish1 Good luck with the next General Election

Fiscal drag has added 420£ to my annual tax bill I like others are on a modest pension The 20% rate taking inflation into account should be 14350

Every one pays income tax

​@@nicks4934 yes, the point here is that the personal tax free allowance has been frozen for many years despite inflation. So a pensioner who was not paying tax is now paying tax on income that buys no more in real terms than it did back when they paid no tax.

Not even in death

Yeah but free travel ,prescriptions .

And who was in charge of it for the previous 14 years then? I remember it being even more unfair then.

Worse, ninety of the last 120 years, they never take responsibility for their abject failure

Hunt is extremely evil

You mean they’re not already on the bottom?

I try not to get too depressed so saying we are not already on the bottom means we have a chance at reversing it.😁

Not so. Because unlike Gary Lineker and Carole Vorderman. Martin Lewis is: In touch with and understands the ordinary person. Actually provides a valuable service to ordinary people. Talks actual productive sense. Doesn't just pointlessly, unprofessionally, immaturely and unproductively winge and use foul, insulting name-calling rhetoric on Twitter all day long. Instead communicates directly with the government and opposition in a mature, courteous, productive and useful manner. And actually provides productive, valid and sensible alternative suggested solutions. Gary Lineker and Carole Vorderman could learn a lot from Martin Lewis.

That's good point actually, why isn't he?

Can’t really compare him with Lineker. Martin actually knows the details of what he talks about. Also helps loads of people. Lineker just posts things that sound like they make him a good person.

Martin Lewis is a respected finance professional - Lineker is a leftist autocue reader who knows nothing about Illegal Immigration, other than he likes it....then again it doesn't affect him, does it so he (like Vordeman) can afford to virtue signal to the hilt !

So is it then that anyone who calls out the tories risks becoming a hate figure,

We should appoint people who know how to run rather than want to benifit from running

We can still be dragged further backwards if obdurate stupidity takes further rooting.

Why mothers? Are Dad's not as important?

​@@kneedown1980they have a better track record

I assume you mean household as a family unit, not living under the same roof?

Investing in every child's lifelong education has high returns for everyone.

It doesn't help matters when there are too few jobs for university students to take part in!There is no structure or help full stop!! University is becoming an upper class system!

@@user-qs8ei9ly2k University has always been an upper class system, who told you it was any different? The whole grant thing (that was pulled in the Blair/Brown era) was just a fad to make people believe that higher education was more accessible than it actually was. If you are getting into thousands of pounds of debt just to get a degree, you've already lost.

In the 90s university was free for working class. Then early 2000s it was £3k plus interest then from 2012 it went to £9k plus interest make it make sense. Even if you don't get a graduate level job, you pay it back for the rest of your life. University is a sham for working class, its a no brainer for Upper class because its basically networking with elites.

Not the case, given what he described about the single parent who now earns £60k - and that's probably done to prevent exactly what you're describing.

@@doct0rnic0 the person earning the 60k would be the parent who is unconnected and not the parent claiming child benefit. The common arrangement that I see now days is a mother claiming to be a single parent yet having a partner. There is no benefit to being fancially connected. The mother could be working or claiming housing benefits etc. I've heard of arrangements where the father owns the house and rents it to their partner who is claiming employment and housing benefit. I've also heard of people independently being on housing benefit and claiming to be separated. Then living in one property together and renting out the other property themselves. I'm just saying that I would like to see more financial benefits to honesty, marriage and or declaring your family unit.

@@PluralRecursion The issue I see with what you want to see happen, is that it would become very expensive, with HMRC trying prove that a child has two people as parents and that they should be financially linked. Probably people who think about these things keep their name off of the birth certificate. Even as Martin was outlining the problem, I was thinking about how people would side step any new rules and how expensive it would be to enforce them. Easier just to up the threshold.

@@PluralRecursion "the person earning the 60k would be the parent who is unconnected and not the parent claiming child benefit." - ok... but that's not really how life works, is it? It can't be decided in advance who's going to earn what really (I mean, in broad strokes, maybe). "I've heard of arrangements where the father owns the house and rents it to their partner who is claiming employment and housing benefit." - well that just sounds like fraud...as are the rest of the examples. I don't think marriage needs to be encouraged financially. What I would say is that there's benefit to having universal benefits and not having them means tested, because 1. you don't have to waste administrative funds doing the means-testing 2. It doesn't stigmatise benefits 3. It doesn't create a culture of dishonesty, but rather one of social cohesion.

@@PeterHitchmanYT It's not an issue if child benefit is universal though, is it?

It’s designed to be, to keep you poor. Too many people are sleepwalking through life.

He should be made a peer so he can become Chancellor of the Exchequer.

Why? For being a multi multi millionaire who refuses to let people tell him money saving ideas because his ego can not bare it? I tried to tell him some ideas I had and his site told me to **** off for no reason other than HIS F-ING ego!

So the demography works better for us all

We should invest in quality national childcare service, like Nordic countries.

Depends. It ain't a lot in a city.

But the point is if you have one person in a married cohabiting couple earning 60K and the other earning nothing or less than £50K, child benefit stops. But if you have the same two people on £30K child benefit (which adds up to £60K as well), then child benefit continues. Same income, but a dramatic loss of child benefit entitlement.

60k is a lot of money in the Southeast as well.

@shadowbanned975 Depends what you mean by alot. You can't rent and save for a property. You would struggle to buy a property by yourself without a big deposit. 60k today is like 30k in 2010.

@@spacemonkey200 Two people on 25K only get taxed 20% on just £26K (because of the £12K tax-free allowance per individual X 2). One person on 50K gets taxed 20% of £38K - AND they (start) losing child benefit. Go figure

If you had a partner on your wage you'd be near £60K household income wise getting tax free £24K and keeping all child benefit...unlike someone on £60K who loses child benefit totally and is taxed partially into the 40% bracket with only 12% tax-free allowance. You win 🏆 🙌

Managed for their billionaire boss backers, but not for the common good.

Daft enough for me to leave the UK in 2011. I knew if this was a glimpse of Tory thinking, things were not going to go well. Best decision I ever made.

And two people get taxed less than one person percentage wise, especially when you consider a higher wage might dip into the tax 40% bracket. Two people get £24k tax free.

We don't have that in Canada, We have to put down the family income.. But in our taxes if one spouse works and the other stays home , then the working spouse making lots of money goes into a higher tax bracket and you only get a small deduction for your spouse who doesn't work. You pay less total tax if you both work lower paying jobs.

Another anti-family policy is the hard cut-off (no taper) for tax-free childcare/30 hours free childcare at £100k. So if one parent earns between £100k-£140k with a child in nursery, due to the loss of this assistance they are in fact worse off after tax than someone earning a pound under the threshold. Worse, this doesn't account for the financial situation of the other parent, so a couple with one breadwinner on £100k is *significantly* worse off than two parents earning £50k each (the latter also get full child benefit and no 40p tax). The only way to dodge this trap is to contribute silly amounts into your pension to stay below the threshold. And don't get me started on the hidden 62% marginal tax rate disguised in the personal allowance taper, or the ridiculous IR35 rules, or the fact that public transport commuting costs and health insurance aren't tax deductible like other countries, or the fact that the 40p threshold has been left at a stupidly low level (if adjusted for inflation over the years it should be at £70k-ish by now) dragging people with very ordinary incomes into the "higher earner" band. All of this has happened on the watch of the "conservative" party, the so-called party of "low taxes, limited government and fiscal responsibility". Lol.

​@ricequackers yeah the 40p thing is a complete travesty. Especially when you consider the bracket goes all the way up £125000.thats a wide gap. Grand canyon size

Please tell me one common sense change since 2010 that helped you

Fishy Sunak is calculated. He and his extended family are making huge profits from his time in No. 10.

Er no, Tories have a legitimate FIVE YEAR MANDATE. Brown never went early in 2009, did he? At a time of bitter recession, thousands of businesses going bust and a million thrown on Labour's dole scrap heap. Not on your nelly, he didn't.

Why shouldn't they? You are means testing on the tax side already, if you means tax on the benefit side as well you inevitably end up with unfairness. Just pay everyone the benefits and put up taxes a bit.

Two people on £30K each, sharing income, outgoings and a bank account also earn £60K that's the whole point

​@@bg16162 people on 30 k each will have more money left after tax right due to the 12.5k allowance

There is another way. Don't let what the tories have done to this country become an inevitable fact of the country's existence - that we will continue to go backwards for the foreseeable future. Vote someone in who will do better, like labour.

i agree but mate... just look at how many MPs are themselves Landlors... it simpley makes no sense for them to make the housing market better... @@ecaeas4439

Labour? We are in this mess cause of Covid, it would be 10x worse if those lockdown hysterical idiots were in charge

@@ecaeas4439 Better like labour, having a laugh

@@R1ckmister Your evidence for Labour not being better please? History shows that most people are better off under Labour, whereas the Tories only look after the already stinking-rich...

💯

@@AegisKit was said in jest, however to complete the thread I already have one.

Why don't people who don't have kids get rewarded, they save the State millions each year ?

The lesson learned here is for you to stop thinking!

Surely it's don't vote the lying Tories back into power ever again?

Depends where you live and it's not enough for a single working parent. Do you know how much childcare costs per month????

Interest is paid on overpaid taxes.

No Means testing for child benefits in Ireland. The Goverment toyed with the idea of taxing this benefit, but so far have desisted from doing so.

Your decision to have kids chum.

But you hate very rich people ? He is worth over £100m !

Martin is an egotistical selfish multi multi multi millionaire!

Martin is not qualified....not according to UK standards for ministerial position nor any position of power. To qualify you must be soulless like Venells of PO scandal fame, like Bla!r the war criminal of faked WMD in Irak fame, like little Sharpe, Bojo of partygate fame, Truss of fixing the economy fame, Mone, Hancock of PPE fame....or anyone with criminal minds, only them are qualified to be in power. It is what it is!

2 months into the job he will be public enemy number 1 like the rest.

How funny you want someone almost as rich as Sunak as PM ?

@@jjefferyworboys8138 it's not the money it the decisions made that cause the issues and it wasn't a serious suggestion it's just he has the right idea?

No! Martin is a multi multi millionaire who cares for himself only like his Tory chums!

Martin cares for Martin...end of!@@greenfingers26

... and let off more expensive properties...

50 years, we were an incredibly egalitarian country in the late 60s early 70s

I honestly believe that will require a change in the national psyche.

@@LittleTommy25 Councils can’t be trusted with something as essential as housing. Truly drastic action is needed to simply increase the number of homes in this country… This is the only meaningful way to fight spiralling housing costs… ‘affordable’ homes in London are a joke… But that requires something truly drastic

I'm very pleased my new home has over 2 acres.

It will require the Tories to **** off for good as many are landlords and ANY improvement to the housing market results in loss of wealth for them!@@LittleTommy25

@@jjefferyworboys8138 Floor space or garden...😂

It's an accelerating collapse

What's 60k in London , Bristol, oxford and few other cities in the UK? Not much especially for a family of 4.

@@ansut3440 £60k is still a substantial amount of money. People live on alot less every single day in the UK.

Modern apprenticeships pay too low, and they can last upto 7 years. You've got reform occupational training so it pays. And please note, we've had a Tory government for nearly 14 years, and perhaps why they didn't prioritise reform was that they were making too much money from the status quo.

Regarding housing what we need t do is: Get rid of there Tories once and for all and make sure there party is destroyed beyond repair! The Tories are all multi millionaires and a ,to are landlords who own vast amounts of properties so if they fixed the system their values would fall and so would their wealth. Build more homes including social housing on the same scale as the 1950's - 240,000+ a year! Come up with ways to push the cost of housing down and to make sure that half of that cost saving is passed onto the buyer Cap rents in the private sector Give tenants more protection Force ALL landlords to make sure their properties are fit to live in or face 2 year prison term However I can promise that as I say, no Tory will do a F-ING thing to help anyone who is not themselves or their chums!

@@BigHenFor The University issue is all the Labour parties policy. Once it was brought in it is then very hard to change as all the Polytechnics have been closed. The Tory’s have been trying to make changes but there is resistance from the educational establishment (also Labour dominated). Still we are likely to have a Labour government soon which will be very interesting as this is the first time the Tories have not fixed the economy before the Labour Party gains power. Whilst the economy is not as bad as it was when the Labour Party left there is no spare money or lending available to them. We will have to see if they can find a solution to the problem they created. By the way the Labour government taxed the pension system which is why that is failing and they introduced the family tax credits which have proved fatal for the lower paid, we can only hope they can solve those problems as well. All while making it easier for asylum seekers to get to the UK increasing the numbers of immigrants from the 750,000 we get now whilst solving the housing crisis by building only 250,000 houses. If you think things are bad now, just wait and see what a Labour government will do. 😩😩😩😩😩😩😩😩😩😩

@@taefravis Some interesting points you make but can I shatter your illusions with some facts. It does not matter who owns the property so long as it is occupied. Changing the landlord will not change the fact that there is a shortage of housing. Given the fact that we currently have 750,000 immigrants per year building 250,000 house will not change the fact that there is more demand than supply. The only way to reduce the cost of building a house is to reduce the pay of the workers. The rent cap has been shown to only make the housing problems worse as it discourages people from building new homes. Everywhere it has been tried it had failed. I do agree that landlords should be licensed and the properties inspected, but that will add to the cost of renting. I still think it would be a good idea. At the same time it should be easier to evict tenants who don’t pay their rent or are anti social or damage the property. There are only 2 ways to resolve this problem. Either increase the supply which given the land and skilled labour available is never going to happen or to reduce demand by stopping or reversing immigration. Even if you stopped immigration you would still need to build 250,000 houses a year. The problem for the Labour Party is they want to increase immigration and demand for housing. I believe they want that to keep people poor so that they will vote for them.

Graduates should be in high demand. That is also a massive failing on the part of the government. The UK is being eclipsed when it comes to research and innovation due to a lack of support from the government. The amount of graduates we currently have is probably about right if we want to remain competitive internationally yet we haven't built the industries for them. That's a massive failing of the current government.

I agree. Gordon Brown used to talk about "that little bit of child support always there no matter what".

​@@bg1616paid directly to the mother, as she knows best and may not have access to dad's income

​@@willrichardson519 Whoever has custody of the child, surely.