Stormy times ahead
Yesterday, I listened to the Budget speech so you don’t have to.
But if you’d like to recreate the 2020 Budget experience, just shout ‘getting things done’ on repeat, and throw money at a wall.
Chancellor of the Exchequer in action
Because that pretty much sums up Rishi Sunak’s speech, as he ripped up the austerity rule book and shovelled £30 billion (yes, billion) into shoring up the economy against coronavirus. Plus spending like it’s going out of fashion on big projects like roads, housing and flood defences.
Previous post: 11 tips to protect your personal finances from coronavirus
Yup, it’s Christmas come early for fiscal loosening, which sounds like a dodgy disease in itself.
Getting down to brass tacks, here are the highlights that might actually put pounds in your pocket:
Table of Contents
Claim sick pay sooner
- Qualifying workers will be able to claim statutory sick pay (SSP) from day 1 of contracting coronavirus/being advised to self-isolate/taking time off to care for people who have self-isolated, rather than waiting until day 4.
- Trouble is, £92.45 a week in SSP isn’t much to live on.
- Plus, you can’t claim SSP if you’re off work because schools and nurseries close and you have to look after your kids.
- Get a sick note by calling 111, rather than rocking up at the doctor’s surgery.
Previous posts: How to slash your budget to the bone and How to find money in a hurry before pay day
Self-employed? Back to benefits
- Self-employed or don’t earn enough for statutory sick pay? You’re stuck with Employment and Support Allowance (ESA) or Universal Credit
- ESA sick benefit will be available from day 1 not day 8, but only pays out a maximum of £73.10 a week.
- Self-employed will have more chance of claiming Universal Credit because the Government has temporarily ditched the ‘Minimum Income Floor’.
- Won’t have to visit a Job Centre to claim – good thing too, if people are confined to their homes due to coronavirus.
- Scaling back a couple of the nastier aspects of Universal Credit: from October 2021, anyone taking out an advance payment will be able to pay it back over two years rather than one, meaning they hang on to more of their monthly benefits.
- Plus, the maximum that can be deducted from Universal Credit will be cut from 30% to 25%.
- Councils will also be able to tap into a £500m hardship fund, mostly to help provide Council Tax relief.
Pocket more by paying less National Insurance
- The Chancellor has pushed up the point when we start paying National Insurance contributions, from £8,632 to £9,500 a year, starting next month.
- Works out as a typical tax cut of £104 a year for employees and £78 for the self-employed. Whoop de doo.
Bigger gas bills
- Throwaway reference to freezing electricity levies but adding a new green gas levy – which could push gas bills up £5 a year.
Stash more for your kids
- Maximum contribution to Child Trust Funds and Junior ISAs will be more than doubled from £4,368 a year to a chunky £9,000, so parents able to afford it can stash more for their offspring to blow at 18.
- Borrowing a phrase used when reviewing one of my Telegraph articles: “All the little Tarquins will be rubbing their hands in glee”.
- But the adult ISA limit stays at £20,000 a year, which let’s face it, is plenty generous for most of us.
Shrinking Premium Bond prizes?
- The Government has slashed how much they want to rake in from National Savings & Investments (NS&I) next year, from £10.1 billion to £6 billion.
- As NS&I has only just announced loads of interest rate cuts, there’s zip all chance rates might creep back up
- Seems likely to mean further cuts on popular products, like the prize fund on Premium Bonds.
Previous post: Where to stash your emergency cash
High earners get to plough more into pensions…
- Previous attempts to shrink tax relief on pension contributions by the highest earners backfired badly.
- Faced with nasty tax bills, GPs and NHS consultants started turning down shifts, or retiring altogether.
- With the corona virus looming, the Government sensibly decided they wanted as many doctors on deck as possible.
- Unfortunately, rather than scrapping the regulations, Rishi just pushed up the thresholds by £90,000…
- ….then shrunk the amount high earners can pay-into-a-pension-each-year-and-still-get-tax-relief down to £4,000 a year.
- As this is only becomes relevant to those earning £200K+ a year, I won’t labour the nitty gritty. But if you’re one of the 250,000 affected and fancy a little light bedtime reading, knock yourself out googling ‘tapered annual allowance’.
- Oh, and the maximum you can build up in a pension without facing tax charges, known as the ‘Lifetime Allowance’ gets pushed up from £1,055,000 to £1,073,100. So that’s nice for anyone likely to have a million pounds plus in their pension pot.
…but the lowest earners just get a consultation
- I get why the Government wanted to fast track senior NHS staff back to work asap, really I do. I’m just gutted the Government hasn’t done more for more than 1.3 million of the lowest earners who get stiffed on their pensions.
- Normally, the big appeal of pensions is the FREE MONEY added in tax relief. Put in £1, get 25p added in tax relief, lovely jubbly.
- But people who earn enough to be auto-enrolled in a work pension (£10K/year) but not enough to pay income tax (£12.5K/year) don’t get that tax relief if their pension payments are whipped out under a ‘net pay’ arrangement. Meaning some of the people who can least afford it miss out.
- So no magic wand, just a ‘call for evidence’ on the issue, and no chance of righting this wrong before April 2021 at the earliest.
Cheaper tampons!
- Yup the 5% VAT on tampons and other ‘sanitary protection products’, previously classed as luxury (!) items, is finally being scrapped. Hallelujah.
Drowning our sorrows
- Duty on wine, beer, cider and spirits is frozen, so we can binge drink our way through the pandemic. Cheers!
Fuel duty freeze
- Fuel duty is frozen yet again, great if you drive a particularly gas-guzzling car
- Plus assorted handouts for potholes, road improvements, a tunnel by Stonehenge and £500 million over five years towards more charging stations for electric cars.
Money for rough sleepers, funded by the jet set
- £650 million to help rough sleepers – neatly funded by charging overseas buyers of UK property an extra 2 percentage points in stamp duty.
Small business? Bingo! Cash in on the mega coronavirus giveaway
In an attempt to stop small businesses dying in droves due to coronavirus, stand by for a shower of cash:
- Eligible for small business rates relief? Grab a £3,000 cash grant!
- Rateable value less than £51,000? No business rates for a year, for those likely to be hardest hit when people stay home, such as small shops, cinemas, restaurant and music venues, plus museums, galleries, theatres, nightclubs, gyms and small hotels! (Actually, this is a saving not to be sneezed at, as it’s worth up to £25K for each business)
- Discount on business rates for pubs will be hitched up from £1,000 to £5,000.
- Stitched by paying shedloads of statutory sick pay? If you have less than 250 employees, the Government will cover the cost for the first fortnight!
- Can’t afford your tax bill? You get a whole dedicated helpline to discuss paying late!
- Desperate to borrow because sales have shrunk? The Treasury’s magic money tree is splashing out £2.2 billion on a grant scheme for small businesses!
- Plus the Government has whipped a £1.2 billion Coronavirus Business Interuption Loan Scheme out of the hat, to support lending to small and medium sized firms.
Now – over to you. Any Budget highlights for you? Or too busy hunkering down against coronavirus to think about anything else? Do share in the comments, I’d love to hear!
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I happened to fall for a crypto currency scam trick Late last year.Through a phishing scam, a Facebook imposter convinced me of howI would gain a large sum of profit from an authorized crypto company that he claimed helped traders invest and gain large profits. They ripped me of and made a way off with $114000 woth of crypto.I was in disbelief and discomfort as this was my hard earned funds.After reading positive articles and online testimonies about a licensed group of hackers RECOVERY MASTERS of how they are experts in crypto/btc recovery and any form of hacking.After hitting a conversation with them,they were able to recover back my funds.As a form of appreciation this was the best I could do for them.
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I couldn’t resist the offer when it came up to me and that was how I ended up becoming another victim of a cryptocurrency trading scam, I had taken out loans to invest in this platform and I lost a capital of $457,000 to these scammers. It was unbearable and I thought of giving up my life when a colleague told me about Astraweb, I was dumbfounded when ASTRAWEB cyber was able to recover my money after I provided them with all the necessary information. Truly a remarkable cryptocurrency recovery company, I never thought it could be possible to recover your crypto once it is gone but Astraweb made it happen. I’m grateful for their selfless service and wish others like me would seek more knowledge before investing in crypto. If you ever want to recover your cryptocurrency too, you can find their contact information below.
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Trading online can be very nice business until you loose your money to online scammers. Well am here with good news because Francisco Hacker can help you recover all your lost funds Eg Bitcoin, Ustd and Ethereum etc. They also hack any social media accounts and recover email and email passwords.
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HAVE YOU BEEN A VICTIM OF INVESTMENT OR NFT SCAM? SCHEDULE A MEETING WITH AN ETHICAL HACKER ASAP FOR SWIFT RECOVERY.
ASOREHACKCORP is a financial regulator, private investigation and funds recovery body. We specialize in cases as regards ETHICAL HACKING, CRYPTOCURRENCY, FAKE INVESTMENT SCHEMES and RECOVERY SCAM. We are also experts in CREDIT REPAIR, we analyze what’s impacting your score.
All software tools needed to execute RECOVERIES from start to finish are available in stock.
Kindly NOTE that the available tools does NOT apply to CREDIT FIX.
Be ALERT to FALSE reviews and testimonies on the internet, the authors and perpetrators unite to form a syndicate.
Contact our team as soon as you can via the email address below to book a mail meeting with an ethical hacker.
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Stay Safe out there !
I remember when a friend of mine told me about some online investment company that offer you a great deal of money after investing with them, I blame myself most times for listening to her because I lost so much money in that platform. I lost over $130,000 worth of BTC in the platform, I just take it to be that the desperation to earn good living and be comfortable ended me in the wrong hands. It turned out I trusted the wrong platform and people to manage my portfolio and trades. Gladly I regained all I lost with the help of DARKRECOVERYHACKS. I’m saying this with full assurance that no one does it better than this particular team. I’ll advice that you reach them and trust me you’ll never regret working with them. contact them DARKRECOVERYHACKS@ GMAIL.COM .
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Recovering lost bitcoin wallets requires one to hire a Legitimate recovery company with legal operations to help you recover your lost Bitcoin wallets,My experience with Recovery Masters,A recovery company that helped me recover my bitcoin wallet from a scammer who tricked me and changed my wallets ownership to his own with my bitcoin worth $321,200.79 of crypto in it was really awesome.The company really helped me get my bitcoin back from the scammer. If you have ever fallen victim to one of the many Bitcoin scams out there,don’t hesitate to reach out to the experts and have your bitcoin recovered back.
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I would really consider myself to be one of the very few lucky ones as I was able to have my funds recovered from this scam Binary option brokers, although it was through unethical means as far I am concerned but what can I care after how my hard-earned funds where taken from me, these guys are the best in less than 7days all my funds including bonuses had been recovered. send a mail to
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The grass is greener on the other side they always say but sometimes the reverse is the case, I thought investing in Bitcoin will favor me but I was wrong , I got into bitcoin investment with a platform that I came across their Chanel on telegram last year with the thought that by now I’d have made so many returns , instead I was scammed off my savings . I even introduced my friends to it since I thought things were moving perfectly well, we both lost a total of $574,000 and my friends blamed me for it all, it even lead to some threats and I decided to find a remedy to recover these lost funds. I’m glad I finally did at last with the help of “ DARKRECOVERYHACKS ” , They are reliable, kindly contact them to handle your job.
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Always apply caution whenever you see any crypto investments platform online, most of them are scams and don’t do the same mistake I did. I saw a cryptocurrency platform on Facebook and decided to invest with them, I invested over $200k worth of BTC and $69k worth of USDT, but it all turns out to be a scam company and I lost all my invested funds with them. Luckily I was able to recover all the lost funds without leaving a penny using DARKRECOVERYHACKS, I am glad that a friend introduced them to me and they helped me recover all my lost investments. It didn’t take them more than 3 days and I was able to recover all my lost funds. You can as well contact them to recover all your lost funds. Contact them via Email :Darkrecoveryhacks@gmail.com
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ARE YOU A VICTIM OF INVESTMENT OR NFT SCAM? SCHEDULE A MEETING WITH AN ETHICAL HACKER ASAP FOR COMPLETE RECOVERY.
ASOREHACKCORP is a financial regulator, private investigation and funds recovery body. We specialize in cases as regards ETHICAL HACKING, CRYPTOCURRENCY, FAKE INVESTMENT SCHEMES and RECOVERY SCAM. We are also experts in CREDIT REPAIR, we analyze what’s impacting your score.
All software tools needed to execute RECOVERIES from start to finish are available in stock.
Kindly NOTE that the available tools does NOT apply to CREDIT FIX.
Be ALERT to FALSE reviews and testimonies on the internet, the authors and perpetrators unite to form a syndicate.
Contact our team as soon as you can via the email address below to book a mail meeting with an ethical hacker
asorehackcorp@gmail com
Stay Safe out there
I lost about $50,000 to 2 fake binary option website as well but I am sharing my experience here so as to enlighten and educate everyone that is losing money or has lost money to a scam including binary options, dating scams, fake crypto investing scheme or platform, real-estate scams, Mortgage and fake ICOs. However , I have been able to recover my money I lost to the scammers with the help of a recovery professional and I am pleased to inform you that there is hope for everyone that has lost money to scam. here is their address
Email: COREASSETINC @ GMAIL .COM
Telegram: @COREASSETINC
The best recovery team to assist you in reclaiming your money from these nefarious individuals is Francisco Hacker. A few months ago, a man online got in touch with me and told me about a bitcoin investing platform that promised large returns. I put $98,000 into this platform before being asked to put in more money without being allowed to withdraw from the previous investment. My money was being stolen, and I knew it. They stopped returning my calls and messages since my money was gone. Thank goodness, a buddy of mine informed me about Francisco Hacker and how they could help me get my money back that had been stolen. After contacting them, my money was returned to me in less than 48 hours. Francisco Hacker, I sincerely appreciate your assistance. Align with them at any of the links below for more details: Email: Franciscohack(@)qualityservice.com
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I sincerely hope that this information proves valuable to you or someone you know. Cryptocurrency fraud can have a devastating impact on individuals and their financial well-being. It is essential that victims have access to reliable and effective recovery services, such as those provided by Wizard Web Recovery.
For all of your cryptocurrency and digital asset recovery needs, I highly propose Coder Cyber Services. They adequately helped me in recovering my monies when I had a dilemma with a bitcoin trading platform that had just collapsed, and I’m a contented customer. The best recovery company for cryptocurrencies turned out to be Coder Cyber Services. After I discovered them online and contacted them, they successfully removed my money off the platform. To express my delight and satisfaction, I’m publishing this here. You can email Coder Cyber Services at the following address to get in touch with them at: Codercyberservices@execs.com
If you don’t have good capabilities, you should understand how challenging recovering bitcoin can be. I attempted several different hackers as soon as I lost mine, but none were efficient. I pondered about getting it back at the time. But when I tried Pro Wizard Gilbert Recovery, they were productive, therefore I want to personally applaud them for their outstanding job. You can get your misplaced bitcoin back by contacting Pro Wizard Gilbert Recovery.
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Around this time last year, a social imposter managed to fool me into falling for a cryptocurrency scam by promising to make me a significant profit. Unbeknownst to me, he was an unlicensed cryptocurrency trader who claimed to have assisted investors in making big profits. They cheated me out of my $150,000 worth of cryptocurrency. As this was money I had worked so hard to obtain, I was shocked and uncomfortable. After reading favorable reviews and internet testimonials about a legitimate hacker firm called Wizard Web Recovery, I learned how skilled they are at crypto recovery and other types of hacking. My cash was able to be recovered thanks to Wizard Web Recovery, therefore I contacted them right away. This is the best I can offer for them as a token of appreciation. By email: wizardwebrecovery (at) programmer . net, You can get in touch with Wizard Web Recovery to help you get back your stolen funds.
Kudos to Craker cyberdude Recovery for handling my case and keeping their word throughout the entire recovery process; you guys are the greatest! Craker cyberdude Recovery’s staff has demonstrated an exemplary level of professionalism and dedication. The fraudulent firm I invested with caused me to lose everything I owned and was so awful that it almost forced my daughter and I to live on the streets. My experience with them lasted for several months. I owe Craker cyberdude Recovery a big debt of gratitude for helping me recover my assets and saving my daughter and I from leaving without a place to live because it was especially difficult for me as a single parent and that drove me to invest in cryptocurrencies. Craker cyberdude Recovery’s contact information is as follows:
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We need to stop being fooled by all these brokers and account managers, they scammed me over $100,000 of my investment capital, they kept on requesting for extra funds before a withdrawal request can be accepted and processed, in the end, I lost all my money. All efforts to reach out to their customer support desk had declined, I found it very hard to move on. I was researching and find a broadcast that teaches on how scammed victims can recover their funds, I contacted the email provided for consultation, (cyberpunk1@cyberservices.com) I got feedback after some minutes and I was asked to provide all legal details concerning my investment, I did exactly what they instructed me to do without delay, to my greatest surprise I was able to recover my money back including my profit which my capital generated. I said I will not hold this to myself but share it to the public so that all scammed victims can get their funds back.
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