Budget 2020 without the boring bits

Picture of trees silhouetted against blue storm clouds

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.

Animated gif od a man throwing out loads of bank notes

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:

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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  31. Recovery Intel
    15th April 2023 / 2:22 pm


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  32. Timothy Roland
    17th April 2023 / 1:37 pm

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  33. Yusuf Ataturk
    20th April 2023 / 10:29 pm

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  34. Sherry Donald
    22nd April 2023 / 4:52 pm

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  35. Scott Wellstone
    24th April 2023 / 11:28 am


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  36. Tommy Cann
    28th April 2023 / 1:44 am

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  37. Larry Chris
    28th April 2023 / 11:11 pm

    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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  38. Recovery Intel
    16th May 2023 / 8:51 pm


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  39. Harvey Price
    17th May 2023 / 11:17 pm

    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 .

  40. Elizabeth Phoenix
    18th May 2023 / 9:43 am

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  41. Mads Statham
    18th May 2023 / 12:28 pm

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  42. Marcel Ledger
    18th May 2023 / 7:14 pm

    Investing in Bitcoin didn’t favor me as I expected , I got into bitcoin investment with a platform that I came across their Chanel on telegram at the beginning of the year thinking that by now I’d have made tons of profits , instead I was ripped off my savings . It’s quite awful how the rate of scam grow lately . I was not the only one involved with the company , I had introduced my cousin to it since I thought things were moving perfectly well, we both lost a total of £274,000 and my cousin blamed me for it all because he wouldn’t have gotten himself involved with the platform in anyway if I didn’t bring the idea up at the first place . Since I am to be blamed for this mess I had to look for a way to right my wrongs and I’m glad I finally did at last with the help of “VIRTUALHACKNET RECOVERY SERVICES” , a private firm that specializes in Asset Recovery . Contact the team to handle your job request :
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  43. Aaron
    19th May 2023 / 10:59 pm

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  44. nelson
    22nd May 2023 / 3:55 am

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  45. Luca Murphy
    22nd May 2023 / 4:17 am

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  46. Freddie Walsh
    25th May 2023 / 8:30 am

    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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  47. Recovery Intel
    29th May 2023 / 5:02 pm


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  48. Kennedy Larry
    1st July 2023 / 4:00 am

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  49. Theresa David
    6th July 2023 / 12:40 pm

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    7th July 2023 / 4:15 pm

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  51. Nicholas Hugh
    8th July 2023 / 6:17 pm

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  52. Randy Scott
    11th July 2023 / 9:34 pm

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  53. Elite Wizard Bitcoin
    13th July 2023 / 2:19 pm

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  54. Laurent Colette
    14th July 2023 / 11:57 am

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  55. Clarke Simard
    14th July 2023 / 12:34 pm

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  56. Colleen Dawn
    17th July 2023 / 11:25 pm

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  57. Charles Mia
    19th July 2023 / 3:55 pm

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  58. 19th July 2023 / 10:18 pm


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  59. Darlene Donna
    21st July 2023 / 9:42 pm

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  60. 22nd July 2023 / 11:53 pm

    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.

  61. lynette
    24th July 2023 / 5:44 am

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  62. Dan Lieberman
    25th July 2023 / 8:39 pm

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  63. Brian Ronald
    6th August 2023 / 5:19 pm

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  64. Benson
    10th November 2023 / 10:19 pm

    I usually don’t write reviews but this time, it will be so selfish not to write this because I can imagine the feeling people currently facing similar issue have to deal with. I was almost completely losing hope having lost most of my life savings to Cryptocurrency theft before I got introduced to Alister Recovery. I honestly wasn’t sure they could actually help really, but still had to contact them as I was left with no options, and to my greatest surprise, they were able to get back all my lost Bitcoin into my crypto wallet. It seemed like a magic because I had thought it won’t be possible. To everyone facing similar issues, you can go ahead and reach out to them as I am certain they can also be of assistance to you. Get across to them using Alisterrecovery (at) gmail . com

  65. cristydavis
    24th November 2023 / 12:22 am

    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.

  66. Oliver Persson
    25th November 2023 / 9:12 am

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  67. Manuel Franco
    1st December 2023 / 7:35 am

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  68. 2nd December 2023 / 10:06 pm

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