Going back to where I last posted on this & reading everyone posts after, I totally understand everyones point of view, from those with children & without.
But 23,275 is way below the belt & as a family unit we only just fit under it. Some of you know me better than others & know Im not just a stay at home Mum, but a carer for my parents, mainly my Mum n extra support to my dad & the rest!
I do not blame any political party nor do I now support any now, but because the labour was the last party - they are always going to get blamed for everything. This mess is going to take our childrens life times to fix, but if its such a big mess, it must of been going on longer than has been let on.
The main source of benefits that do annoy me, are the ones whom truly rip the system off & make it harder for the ones whom need it.
Final IVA payment made in April 2013, never ever thought we could do it or get through it but we did! X
An IVA.co.uk Mentor is someone sharing from their experiences of dealing with debt
I do agree with Skippy and Jan on this one to an extent, the benefits system over this last 13 or so years has been played left right and centre by those who choose not to work and have children instead, I am not targeting those on this forum in this statement who have children, we all have responsibilities in life whether they be offspring or caring for relatives and are trying to do the right thing by all, having said that I do think that again the wrong groups are being targeted. It is the workless families (not unemployed though no fault of their own but those who have been borne into this culture and who see having children as a career option) who should be made to provide for their families through work rather than benefits from the taxes of those who do work, unfortunately until this benefits driven culture is changed I can see many working people, whether they have children or not, again having to pay the bills and bring up the children for those who refuse to.
I also have kids and will be affected by the changes, what amazes me is the lack of understanding of how a non competent government with no fiscal understanding cant be blamed for just some part of this mess we are in, its not just the banks, the single mums or even married couples. Please understand we all vote the parties in to look after this country and our fiscal health-so why cant we blame the last government for not helping the current situation?
Whilst I totally understand why people have given up on our political system by not voting and participating does not make our country as democratic as we would think.
Whilst all or most of the MPs were fleecing the public we thought they were working hard to keep us safe and solvent-but no they were buying bird baths and such in second homes that we all have paid for. How many Mps I wonder will be affected by the changes on the way-not many I can assure you. SO I DO BLAME THE POLITICAL PARTIES !!!!
I worked full time from leaving school up until two weeks before my daughter was born. 20 years. My hubby had just got a brilliant job and it meant I could be a SAHM. I truly believe that if you have a child you are the ones that should bring it up, not a third party (my opinion, no offense meant by this).
I was lucky. I could do this. Now I work very casually as a supply Teaching Assistant as and when needed.
We earn above that £23k bench-mark and will lose the child tax credit. Not being a high earner means that hopefully we will still keep the child benefit.
I understand that there have to be cuts, that finances need to be looked at by the government, but couldn't they have done it by reducing amounts instead of cutting them off completely. We don't have holidays, we don't drink or smoke. We never go out anywhere unless its a sunday meal out. All our debt was house stuff or living stuff.
I think we'll be housebound by the time this comes round.
Someone said about spongers off the state...what annoys me though it is that all the benefit claimers are supposed to go for interviews at least once a year and answer questions about why they not working, etc. My friend who is a single mum, disabled and now on dialysis three times a week was asked why she didn't work............ who the blo**y heck would employ someone who could only work two days a week and thats if the dialysis didn't knock her out. Then there are the neighbours who have brand new cars (posh ones), go abroad every year, smoke and drink and then say they can't work! Its not fair, and that is what they should be targetting. Look at ways to identify these people for real.
But you know what they will say, there aren't enough jobs.
My niece and nephew 20 and 21, get job seekers allowance and whilst they look for work are having to 'work' in the local charity shops so they aren't sat at home...this is something the job centre set up. They both get an extra £15 a payment with their JSA because they are doing something.
Sorry, took over a bit, but these are my bug bears over goverments/benefits etc.
A few weeks ago we went to our local town and saw a group of four yobs (polite version), obviously unemployed as it was the middle of the day. They thought it was higly hilarious to run around trying to kick the pigeons, and these people were in their twenties. We saw them again a short time later outside the building where drug addicts get their needles and drugs from.
As there is nothing else nearby there could only be one reason they were hanging about.
Now that's the sort of benefit scrounger I would like targeted!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I do agree with you it is a scary time ahead. However I do not agree with you that NO blame should be against the previous goverment-why not please explain ? Before you do, investigate how in the past Labour goverments have been reckless with our finances and how this has taken a generation to overcome-yes the world downturn has not helped but good fiscal resposibility has never been a strong point any Labour goverment has been able to come to terms with. But one thing is for sure, it will have an impact for at least ten years...
Because any political party cannot be held responsible for the greed and lack of basic sound corporate governance which was rife in the banking and investment sector and caused the problems -they simply have to do their best to deal with the fall out. The problems were on a global scale, how can one British PM hold the blame for that?
I strongly believe that a Labour administration this time around would have made cuts whilst also promoting growth and recovery. A Conservative one is quite simply going to push this country back into recession.
All those who voted Conservative because they fancied a change are certainly going to get one - for the worse.
I voted Conservative and I'm glad I did - Labour brought the country to it's knees (and not just financially) and a change was needed and I think we need to give the coalition a chance to put this mess right.
Regarding the recession, perhaps we may have got through it better if a certain chancellor hadn't sold our gold reserves when the price was at an all time low!
I sympathise with families losing their benefits but the govt needs to get the country back on track and that means targeting all net recipients for cutbacks (families, unemployed for whatever reason, old people) as well as increasing taxes for all but the very lowest earners. Mervyn King said during the election that whoever got in would have to make cuts that would make them unpopular for a generation...so whichever party won would be making these decisions. It may be fair to say that the Conservative coalition doesn't value SAHMs as looking at their family units the wives are often very successful working mothers.
Everyone will lose out whether thru loss of benefits and/or higher taxes. Unfortunately vulnerable groups will always be worst hit as they are net recipients of taxes and have less of a buffer against financial shocks. As mervyn king said, whoever came to power would have to make cuts that would make them unpopular for a generation. I think it is wrong to blame Labour squarely for the banking and consequent financial crisis...we all played our part when we borrowed more than we could repay.
I voted Tory and am glad I did. However, it doesn't matter what party had won, severe cuts would have had to be made and they would have been unpopular regardless.
I'm just going to have to tighten my belt a bit more and wait for this government to get us out of the hole that Labour dug.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Its not for sure what was stated in the papers that I provided the links for earlier in this post. And I agree that Conservative do not support families where ones the breed winner & the other is a Stay at Home mum/Dad.
My husband is now earning a salary that used to take to of us to bring into the household. The choice for me not to return to work was extremely difficult, some of us dont have "free" extended family support. If my husband was able to do a regular 9-5 job, bank hols/xmas off etc, things would of been alot different. But we certainly did not have children (2) for financial gain - far from it!
I totally understand how both 3littlegirls, leakybrain & angelrainbow feel.
Personally, I feel like Ive put into the same catagory as those whom both parents dont work & are perfectly capable of doing so, whom sit in a council house getting everything paid for n have children for financial gain. They make it blooming harder for the ones whom genuinely need the support & housing.
My husband works his socks off for us & I work hard in supporting him, raising my 2 boys & assisting n supporting my parents. I do not feel supported or confident for any of our futures at all. Rant Over!
Final IVA payment made in April 2013, never ever thought we could do it or get through it but we did! X
An IVA.co.uk Mentor is someone sharing from their experiences of dealing with debt
Hi Mrs Knight, they way the proposed cut is structured certainly looks as if it is encouraging two income families but they are out of touch with the financial viability for some working mums. A colleague of mine took home £100pm after paying nursery fees and the costs of working. £25pw wasn't worth her leaving her son. Nursery is £1000pm+ in our area with £15ph extra for dropping off early or collecting late!! If they want mum's working there should be more carrot and less stick!!
Lyns, I certainly would not put you in that category. It's the serial workshy who never intended to do a days work in their life that I object to.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
