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Because they dont need it?
Who are you to determine what anyone needs?
*edit - didn't read your question properly - in the sense that it was a question, not a statement...
iolo, the OP was moaning as he wasnt getting the Benefit any more, even though he is on £50k+/yr.
Really, how many families are on that - very few, it is very good earnings, and not worthy of any moaning when a benefit is cut because of his earnings reaching a threshold.
Tax credits - anyone who doesnt earn much gets that (<13k iirc), kids/marriage has nothing to do with it, apart from maybe getting a bigger allowance with children, no idea as I havent got kids now, but I was getting Tax Credit until last year.
No-one said he was defrauding the system, but it was the moaning about income when he is in a very good financial position that riles people.
Tax credits are income based and you did not get them because you earned above the threshold
https://www.gov.uk/working-tax-credit/overview
You could get Working Tax Credit if:you’re aged from 16 to 24 and have a child or a qualifying disability
you’re 25 or over, with or without children
There is no animosity as such it is just that some care more about the fact we have families relying on food banks than we do about the OP's struggles on 50k + pa.
iolo, the OP was moaning as he wasnt getting the Benefit any more, even though he is on £50k+/yr.
No. He is moaning at the system allowing a family bringing in £99k per year can get it but a one bringing in £50k can't.
Yes Junky - I realised my mistake before you pointed it out, thanks 😉
My point was, however - who gives anyone on here the right to determine at what level any particular individual does, or doesn't need something
But the OP states he's the sole provider.
If he was to earn 25k and his wife also got 25k (which I'm sure is closer to the demographic on here), would there still be such an outcry?
Who are you to determine what anyone needs?
Just a normal person with some common sense. If you are earning a decent wage you dont need child benefit. We earn around what the op earns. I have no idea how much child benefit is or indeed what the mrs does with it. We dont need it.
according to a quick dodgy wiki [url= http://en.wikipedia.org/wiki/Income_in_the_United_Kingdom#Percentile_points_for_income_of_individuals_before_tax ]source[/url] there's 5 millionish people earning 30k - 50k salaries in the UK
if they're all after £35 per week per child that's like £18200000000 getting dished out to comfortably off people every year innit..?
For me the issue is the attitude of 'which party is going to make me better off'?
Our taxes help provide for a better & fairer society. If we, the better paid and well off pay more tax to help the poorer part of the population, irrespective of their 'deservedness', we help support a well funded universal National Health Service then we all benefit from a more equitable society. Otherwise we slowly slide towards an Americanised state of affairs. Eventually the haves (people with jobs, houses and healthcare) living behind gates keeping the poor at bay.
Sometimes we have to 'take one for the team'. Our household no longer receives child benefit. If that helps secure funding further down the ladder all the better, if it funds tax cuts for the likes of me, then that's as bad as it gets.
In my cases its the ability to do maths and I am not sure what you want here
They clearly dont "need" it , they clearly dont want it as obviously the wealthy are greedy 😉
hardupdad - Member
I don't mind paying it back its the fact a household income of 90k wouldn't be in the same position. I admit I have worked hard to get where I am and sorry I have annoyed some of you.
Whilst I do sympathise, A household with an income of £90k would be paying over £30k in tax and national insurance, whereas you're total payments are closer to £17k.
When Daffy Jnr came along, our household income was £28.5k! My wife was completing her PhD, we were entitled to no SMP or anything. £28.5k was all we received.
After Tax, NI and SL, that was £19.2k per year. Rent and bills were £1250, food another £300, that left £50 per month...
Junkyard - lazarus
In my cases its the ability to do maths and I am not sure what you want hereThey clearly dont "need" it , they clearly dont want it as obviously the wealthy are greedy
I know, let's all vote for the communist party in the May elections.
Business in OPs name, wife takes the wage she should, business shows an annual loss, loss reduces OPs 'income' to below threshold.
Or donate to charity to reduce income.
?
"I'm not envious"
Fair enough Yunki - so perhaps you fall squarely into category B then.
Anyway all these earnings figures are meaningless without comparable disposable income figures. One of my best mates earns 21k and lives like a king whilst another earns 3 times that and whilst clearly is not on the breadline can't afford to go abroad for holidays or ride anything other than his old rigid HT (not that he has ever complained btw, not once, not even about losing his CB)
I know, let's all vote for the communist party in the May elections.
Well if a straw man attack wont refute my maths/points then what will?
🙄
Well if a straw man attack wont refute my maths/points then what will?
I have no idea what that means.
Junkyard, what maths have you applied to anything?
Stop being so bloody self righteous just for a minute, can't you?
Our household income is somewhat less than the OP's, we've never qualified for child benefits (none for the first child in France), pay lots of tax and I consider myself well off.
Very well off even. I live in a great place with great people, do lots of things I enjoy doing. The streets are a pleasure to walk, the schools do a fine job of educating my son, Madame enjoys her job... .
And in answer to the OP's original question, vote Green.
There are very respectable arguments for universalism and they can be be made from both the right and left. This is a reasonable rehersal of them.
[url= http://www.theguardian.com/commentisfree/2013/jan/21/welfare-state-universal-benefits ]Guardian link[/url]
Look we can have a debate or you two can hurl insults and fail to think
Iolo - i never said anything about communism refute what I said will you rather than make silly points about communism
Artist - What maths? I explained but once more ..... do they need it ? Do they really need it ? Will they starve, be destitute, homeless without this money ? No one could claim this is the case ergo anyone [ who can do maths/budgetting] can work out whether they "need" it . So who has the right to say this ...anyone really as its a fact they dont need it.
It seems clear which way this is going I will take my [s]facts[/s] self righteousness with me
Night
Just taken a look at the OP's posting history. Best step away from this thread before getting banned. Goodnight all.
[url= http://www.thisismoney.co.uk/money/news/article-2256718/Should-child-benefit-And-tricks-help-it.html ]http://www.thisismoney.co.uk/money/news/article-2256718/Should-child-benefit-And-tricks-help-it.html[/url]
To echo what the op said. - a couple earning 90k between the get child allowance. A single earner in a couple getting 51k doesn't.
While £50k is a lot, it does seem an anomaly.
(Suck it up btw...)
the biggest problem in my opinion is that they give you the allowance and then ask you to pay it back later on once you've filled in your tax return.
there's a psychological impact of being asked to give back something you were previously entitled to.
child benefit is over £1,000 a year - it's not an insignificant amount, even if you are lucky enough to earn £50k.
Iolo, the point is you don't know what anything means because you smoke crack.
😉
yeah, it's a bit like when tax credits overpay you through their own mistake and then demand it back through bailiffs and court action when you're already on the (government stipulated) breadline
Tax + national insurance - Benefits = effective tax paid.
Its amazing how much politics people infer given which word is used.
Increase benefits = BAD
Decrease tax = GOOD
Its the same thing!
i think its a great sign of mixed up system that a family on minimum wage pays tax so that someone on 50k can get benifits.. its equally daft that someone on 30k pension gets a state pension as well and 300 quid heating allowance and a bus pass.. someone needs to stand up and shout..
smell the coffee.. the country cant afford pensions for teachers etc retiring at 52 so now you cant draw till your of full retirement age and the max you can have then is whatever average earnings is then.. everybody could then retire at 65 with a decent income.. instead of waiting till 68 for my 110 quid a week..
Sorry to be the bad guy.......I just thought it seemed a little unbalanced.
I just wonder how many people bought an Apple device off Amazon whilst drinking Starbucks coffee when they were giving it all that up there.
Hope you all filed you returns on time.
I just wonder how many people bought an Apple device off Amazon whilst drinking Starbucks coffee when they were giving it all that up there.
Damn I've been rumbled.
ich word is used.
Increase benefits = BAD
Decrease tax = GOOD
Really?
I thought increasing tax on the 'haves' (anyone earning 50k pre tax is in the top 10% of earners in the UK) was unanimously seen as a good thing, just look at the fuss made over 50p
Whereas cutting benefits is most definitley seen as a bad thing,
Nearly pissed myself at yunkis first 2 posts
I'd be more fed up with the wife having 2 shops and earning no money from them, what's all that about?
singlesteed - Member
Iolo, the point is you don't know what anything means because you smoke crack.
Eh?
If you can open 2 shops and make money from day one whilst paying 4 staff let me know how. 1st shop funds the second while building up customer base. I would expect to see an income from May. It's a long term thing.
Junkyard.
Plenty of good nurses, teachers, police officers, paramedics etc tipping into the 40% tax band.
Most registered nurses and paramedics are on NHS band 5 which if you work 24/7 shift pattern gives a salary of roughly 25-35k...if you take on a speciality, get promotion into band 6 you should be earning in excess of 35k...with overtime this can rise exponentially.
There are a few exceptions, some people in band 6 working solely mon-fri and no nights lose some pay....most of us working weekends, nights and a few OT shifts a month earn 40k+ each year, my end of year P60 thing has had my annual earnings as circa 45k for the last few years....so yes the higher rate of tax does affect nurses, paramedics, teachers etc.
How long have the shops been open?
What do they sell?
No higher rate taxpayers should be getting Child Benefit.
I think what irks the OP is the unfair way it is implemented.
Take a set of neighbours, both with the 2 kids. Once pair earn £49,999 each. In the other pair, one earns £60K and the other stays at home looking after the kids. The first family earn almost £100K and get £1800 child benefit. The second family don't get any.
Taking it away from both families would be much fairer.
Not saying it's right , but the first family contribute significantly more then the second.
What bugs me is when self employed folk who actually earn a lot, but account little profit still get £700 per month in tax credits, just plain wrong.
From the op's point of view, clearly he should vote conservative and protect the interests of the we'll off (not somthing I would condone).
Tax should be on total wealth not income. £50k doesnt go far in todays ecomony if you havent had the luxury of riding the property wave.
If you're earning over £50k just do a salary sacrifice, if your company allows it, into your pension to reduce salary to £50k - depends how much over you are and how much you can do without.
I think some you should get off yoir high horses here. The OPs wife could be working full time and if theyve got a couple kids in childcare that could be up to 2k month (mine was and still is 1.4k a month) that doesn't leave much to spend on new cranks. In that circumstance the child benefit would been significant contribution to disposable income.
Regardless of total household income, £50k is a metric ****-tonne of money for one person to earn.
I'd hope I wouldn't begrudge the extra tax I would pay if I was paid that much, but it's unlikely I will get paid that. Ever. So I guess It's the price we (you) pay for keeping the people who don't earn that much in health and education so they can sweep your streets, clean your shitters and all the other unsavoury jobs that you don't do.
And I don't do Apple or Starbucks, and Amazon rarely.
EDIT
£50k doesnt go far in todays ecomony if you havent had the luxury of riding the property wave.
Property wave? I wish. Bought in 2011 only because we could afford the deposit from an inheritance. £50k (even joint) would go a ****ing long way to an Aluminium Capra for me. Or proper uPVC double glazing or some other shit I didn't need.
couple kids in childcare that could be up to 2k month
Would getting an AuPair not be cheaper?
£50k is a metric ****-tonne of money for one person to earn.
Not really but it's a good wage for most for sure. Six figures is a high income IMO but it's all down to assets really - those without a mortgage can feel rich on £30k but if you're young with a family and working in London £50k isn't going to feel that great.
couple kids in childcare that could be up to 2k monthWould getting an AuPair not be cheaper?
+benefits is what anyone I know who's has one rings true (usually ends in messy divorce proceedings)