
Better hope the government can find a magic money tree
There was nothing ‘mini’ about today’s mini-budget speech by the new Chancellor, where he gave away billions of pounds hand over fist.
Forget support to those who need it the most.
Instead, the proposed tax cuts will leave the highest earners laughing all the way to the bank, with a kick in the teeth for those on Universal Credit.
Here’s what Kwasi Karteng has chosen to do:
- National Insurance: Reversed the 1.25 percentage point increase in National Insurance contributions introduced back in April, and canceled the proposed Health and Social Care Levy due to be introduced next April. Only affects those who earn enough to pay National Insurance – ie on at least £12,570 a year. Those who earn the most will save the most.
- Additional rate tax: Dropped the 45% additional rate of tax from next April. Anyone earning over £150,000 a year will be delighted – all 629,000 of them.
- Basic rate tax: Cut the basic rate of income tax from 20% to 19% from next April. This affects anyone earning over £12,570 a year. Suspect that extra penny in the pound won’t make a massive difference in the face of rising bills and interest rates, but will be hugely expensive for the Government. Crunching the numbers, I reckon someone on £30,000 a year will be £392 a year better off, with the changes to National Insurance and income tax. Meanwhile someone on say £250,000 a year will be nearly £8,000 a year better off, according to Quilter.
- Stamp Duty: With immediate effect, pushed up the starting point, so buyers won’t pay Stamp Duty on the first £250,000 of a property price, rather than £125,000 currently. In practice, that saves a maximum of £2,500 on your main home. Trouble is, when Stamp Duty was cut during the pandemic, it sent house prices spiralling far higher than any Stamp Duty savings, and a third of the purchases were as second homes or buy to let properties – not exactly the most cash-strapped buyers.
- First time buyers: Also, first time buyers won’t pay Stamp Duty on the first £425,000 of a property purchase, up from £300,000 on properties worth less than £625,000. That’s a saving of up to £6,250. But with mortgage lending typically capped at 4 to 4.5 times salary, you’d need to be a first time buyer with either a mahoosive deposit or a six figure salary to take full advantage.
- Bonuses: Ditched the cap on bankers bonuses. Because they were really struggling with the cost of living crisis.
- Dividends: Reversed the planned 1.25 percentage point increase to dividend tax, that was due to kick in next April. This only helps if you have enough spare cash to invest.
- Investments: Confirmed Venture Capital Trusts (VCTs) and Enterprise Investment Schemes (EIS) will continue beyond 2025 and the limits on Seed Enterprise Investment Schemes (SEIS) will go up. IF you’ve never heard of all theses scrambled letters, it’s because these are typically investments that are so high risk they need tax incentives before anyone will consider them – and are therefore only really used by the super rich with money to throw away.
- Pension charges: Removed the 0.75% a year cap on charges on workplace pension schemes. This is supposedly so pension schemes will invest more. Sounds to me as if more people will end up paying over the odds for their pensions.
- Universal Credit: And after all the changes designed to benefit the highest earners, Kwasi has squeezed those on the lowest incomes – by threatening to reduce Universal Credit for those not working enough hours or seeking higher paid roles. There was brief mention of extra support to help over 50s back to work.
- Booze: Cancelled planned increase to duty on wine, beer, cider and spirits. So at least we can drown our sorrows for slightly less.
It is truly breathtaking how this budget is designed to reward the richest and hang those on low incomes out to dry.
Now – over to you. Any thoughts on the mini-budget? Do share in the comments, I’d love to hear.
Previous post: Prosecco budget with a lingering hangover
I’m not sure how stupid the government think we are – promising all the extra money to the NHS (my employers) and to support fuel bills, but reducing the tax income to pay for it all… do they not understand that the country cannot afford the current borrowing, never mind billions more?!
Author
Hi Amanda – Yes, I was also concerned that this mini budget didn’t seem to reveal any ways of funding promises apart from massive extra borrowing. Even worse, the way the bond markets have reacted since means it will cost massively more to do all that borrowing too.
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Hear what you’re saying about those earning the most will save the most but those earning the most already pay the most tax.
Someone on £250k might be £8k better off, but consider that the person on £30k only pays around £3.4k tax but the person on £250k currently pays around £100k tax. So saving £8k on a £100k doesn’t seem so great – it’s all relative. (FYI, I’m a basic tax rate payer).
“This only helps if you’re rich enough to have investments.”
I felt I had to comment on this – I had hoped the personal finance blogging community had finally dispelled this myth to get your Average Joe and Jane to invest because investing isn’t just for the rich.
You yourself have been investing for several years and have blogged about it but I don’t think you would describe yourself as ‘rich’?
No budget is going to make everyone happy, if this budget can get the country and economy going then it’s a good one. If not, it’s a bad one.
Author
Hey Weenie – Many thanks for commenting. Fair call that investing isn’t only for the rich. I’ll go back and edit it to say ‘This only helps if you have enough spare cash to invest’, as although I agree that no-one needs shedloads of dosh to invest, investing is only really suitable for those with spare cash beyond essential bills that can be locked away for a good five years. Think in my fury that this mini-budget didn’t do anything for the poorest and most vulnerable in our society I was thinking more of all those without any spare cash at all.
As a higher rate taxpayer who lives mortgage free with a decent chunk of savings, investments, pensions and a buy-to-let, I really don’t think I can describe myself as anything other than rich, compared to all the millions facing financial nightmares right now. All too aware very lucky to be in such a privileged position.
As you say, will have to see whether this budget does what it is intended to, and gives the economy a kickstart. Initial reactions from the bond and currency markets aren’t great.
That person on £250k is unlikely to have to watch their food shopping budget, or turn off their heating to stay within their means – that is what has incensed people who will not benefit from the mini-budget.
The impact to me will eventually be £27.14 a month extra – but that will be taken up by an increase in my rent & council tax, and the £1400 I gained as an NHS pay rise has pushed me and thousands of other NHS staff into the next pension contribution bracket so I will be worse off.
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HOW TO RECOVER LOST YOUR STOLEN CRYPTO/BITCOIN 2023
I was actually fooled and scammed over ( $345,000 ) by someone I trusted with my funds through a transaction we did and I feel so disappointed and hurt knowing that someone can steal from you without remorse after trusting them, so I started searching for help legally to recover my stolen funds and came across a lot of Testimonials about ETHICREFINANCE Recovery Expert who helps in recovery lost funds, which I can tell has helped so many people who had contacted them regarding such issues and without a questionable doubt their funds was returned back to their wallet in a very short space of time, it took the expert 24hours to help me recover my funds and the best part of it all was that the scammers was actually located and arrested by local authorities in his region which was very relieving. Hope this helps as many people who have lost their hard earn money to scammers, you can reach him through the link below for help to recover your scammed funds and thank me later.
Email Address: ethicsrefinance@gmail.com
Website: www. ethicsrefinance .com
THEY OFFER THE FOLLOWING SERVICES
* RECOVER LOST/STOLEN CRYPTO
* BLANK ATM CARD
* PAYPAL HACK TRANFER
* CASH APP FLIP
* WESTERN UNION FLIP
* BANK WIRE TRANSFER
* ANY HACK SERVICES YOU NEED…E.T.C
Highly Recommended! Very insightful, I will also say this here. Investment is one of the best ways to achieve financial freedom. I made more profit than I could ever imagine. I’m not here to converse much but to share my testimony, I have made total returns of 2 BTC from a deposit of just 0.2 BTC in 45 minutes, With DWOH special advance mining program, I only make a deposit of 0.2 BTC and in 45 minutes I received 2 BTC on my Binance wallet and i was so surprise and immediately i sold some of the bitcoin and the money was deposited into my bank account after selling the bitcoin. All thanks to DWOH for there special advance mining program, if you want to earn bitcoin in less than 1 hour contact them today
https://darkwebonlinehackers.com/crypto-mining-hack-tools/
Email:>>>darkwebonlinehackers@gmail.com
Whats app: + 1 (803) 392-1735
CRYPTO RECOVERY IS REAL
EthicRefinance is a lifesaver! They helped me recover my stolen 34,000 dollars worth of bitcoin effortlessly. Their service is not only quick but professional and reliable. As someone who was skeptical about the process, I was pleasantly surprised to see my bitcoins returned in such a swift and hassle-free manner. EthicRefinance truly goes above and beyond to ensure their clients’ satisfaction. I recommend them to anyone who’s in a similar situation. I couldn’t be more grateful for their assistance. Thank you, EthicRefinance!
YOU CAN CONTACT THEM VIA:
EMAIL:ethicsrefinance @g m a i l. com
WEBISTE:www.ethicsrefinance.com
WHATSAPP:+63 985 495 1759
You can also contact them for the service below
Western Union/MoneyGram Transfer
Bank Transfer
PayPal / Skrill Transfer
Crypto Mining
CashApp Transfer
Bitcoin Loans
Recover Stolen/Missing Crypto/Funds/Assets
We’re providing fresh & valid info
USA UK CANADA AUS RU FR CHINA
FULLZ
LOAN METHODS
CARDING METHODS
TAX RETURN FILLING
===================================
Fresh spammed info available
===================================
*SSN DOB DL
*CC WITH CVV
*HIGH CS PROS
*DUMPS WITH PIN 101 & 202
*DL SCAN FRONT & BACK WITH SELFIE
*BUSINESS EIN FULLZ
*SPECIFIC STATE|ZIP|CITIES|GENDER FULLZ
*FULLZ FOR KYC/TAX RETURN/UI/PUA
*OFFICE365 LEADS & LOGINS
*PASSPORTS
FOR QUERY CONTACT
->Telegram @killhacks/@leadsupplier
->ICQ 752822040 / @killhacks
->Email hacksp007 @ DNMX.org
->WhatsApp (will be given on demand)
SSN DOB DL INFO
firstname+lastname+ssn+dob+dlnumber+dlstate+address+city+state+zip+phonehome+phonecell+email+netincome+employmentstatus+employername+phonework+bankname+routingno+accountno
Dora|Yotter Zayas|874646790|10/19/1955|Y362176558790|FL|4736 Grapevine Way|Davie|FL|33331|5052363136|8008526829|dzayas@legalclub.com|3250|benefits|n/a|n/a|8008526829|BANK OF AMERICA|5054473196|63100277
CC WITH CVV INFO
CCnumber+expmm+expyyyy+cvv+Fullname+Address+City+State+Zip+ssn+dob+phonenmuber
4266902012413017|12|23|223|Spencer D Olmstead|4394 Westminster pl|Columbus|Indiana|47201|315-02-6111|18/09/1981|8123432114
__________________________________________________________________________
TOOLS & TUTORIALS FOR HACKING|SPAMMING|CARDING|SCRIPTING|CLONING|CRACKING
__________________________________________________________________________
SMTP’s|RDP’s|SHELLS|BRUTES
C-PANELS|WEB-MAILERS|MAILERS|SENDERS
KEYLOGGERS|VIRUSES|RATS
KALI LINUX MASTER CLASS
SMTP LINUX ROOT
EMAIL’s|I.P’s|COMBOS|PROXIES
SPAMMING COMPLETE PACKAGE
SCAM PAGES|SCAM PAGE SCRIPTING
HACKING TOOLS & TUTORIALS
CC TOP UP METHODS
CC CHECKERS
Many other Tools & Tutorials we can provide on demand
Easy to learn & easy to earn
Guidance will be provided if needed
Tutorials & Methods will be up to date
*HIT ME UP FOR ORDER*
->Telegram @killhacks/@leadsupplier
->ICQ 752822040 / @killhacks
->Email hacksp007 @ DNMX.org
->WhatsApp (will be given on demand)
LOST CRYPTO/ETH/FUNDS RECOVERY EXPERTS//LOST RECOVERY MASTERS
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.
Contact; Email (Support@ lostrecoverymasters. com) or reach them through;Whatsapp; 1(204)819-5505 Learn more: https:// lostrecoverymasters. com/
Don’t forget to mention Ben referred you.
Hello, everyone! Today, I’m about to unravel the biggest secret I’ve encountered – an ATM card I stumbled upon in the depths of the internet. It’s not every day you encounter something as enigmatic as this! an ATM card from a clandestine online shop that allows you to withdraw a whopping $5,000 daily.
This card has no branding, no company name, and it arrived in a completely nondescript package. Its origin remains a mystery. The only clear message: $5,000 daily withdrawals. Could it be too good to be true?
For the past month, I’ve been using this enigmatic ATM card, and it’s nothing short of mind-blowing. It works like a charm, allowing me to withdraw $5,000 each day. I’ve tested it at various ATMs, and it delivers on its promise. I must admit, no card is perfect. There have been a couple of instances when the card didn’t work in very remote areas, but that’s more about the local banking infrastructure than the card itself.
This card is like a treasure chest in your pocket, it has high-reward, works seamlessly, and I’ve made a fortune from this card’s ATM withdrawals! Compared to other cards in the market, it stands out for its transparency and excellent customer support.
If you’re looking for a financial ally that empowers you, I can’t recommend this ATM card enough. The $5,000 daily withdrawal is real. Check it out at t.me/Darkwebatmcard or digitalrobinhoodhackers@gmail.com, Call or whatsap: +15025094485 and take control of your financial future.
BITCOIN RECOVERY IS VERY MUCH REAL, AM A LIVING TESTIMONY!!!!
I was actually fooled and scammed over ( $753,000 ) by someone I trusted with my funds through a transaction we did and I feel so disappointed and hurt knowing that someone can steal from you without remorse after trusting them, so I started searching for help legally to recover my stolen funds and came across a lot of Testimonials about DARK WEB ONLINE HACKERS, Reovery Expert who helps in recovery lost funds, which I can tell has helped so many people who had contacted them regarding such issues and without a questionable doubt their funds was returned back to their wallet in a very short space of time, it took the expert 21 hours to help me recover my funds and the best part of it all was that the scammers was actually located and arrested by local authorities in his region which was very relieving. Hope this helps as many people who have lost their hard earn money to scammers out of trust, you can reach him through the link below for help to recover your scammed funds and thank me later.
Email Address: dwchzone@gmail.com
Or WhatsApp: +1 (803) 392-1735
I’m very excited to speak about hackersprints, this cyber security company was able to assist me in recovering my stolen digital funds and cryptocurrency. I’m truly amazed by their excellent service and professional work. I never thought I could get back my funds until I approached them with my problems and provided all the necessary information. It took them 72 hours to recover my funds and I was amazed. Without any doubt, I highly recommend hackersprints Bitcoin Recovery for all your cryptocurrency recovery, digital funds recovery, hacking, and cybersecurity-related issues.
send them message by Email: hackersprints@gmail.com
One of the biggest worries for cryptocurrency owners is the security of their wallets. Significant financial loss and psychological anguish can come from compromised Bitcoin wallets. Not only may losing one’s Bitcoin wallet’s contents be detrimental, but it can also lead to a decline in confidence in the Bitcoin community as an ensemble. In the face of such adversities, ADRAIN LAMO HACKER has emerged as a trusted ally for those facing hacked Bitcoin wallets. Their team of dedicated professionals possesses an in-depth understanding of the vulnerabilities and complexities of digital wallets. Armed with this knowledge, they employ advanced techniques to recover and restore hacked Bitcoin wallets. To recover lost or unaccessible money, ADRAIN LAMO HACKER handles every case on an individual basis, carefully examining the circumstances and utilizing specialized techniques. They have been the #1 choice for people looking to recover their compromised Bitcoin wallets because of their experience and their prompt and helpful customer service team. Countless clients have benefited from ADRAIN LAMO HACKER wallet recovery services. My endorsements demonstrate how much I believe ADRAIN LAMO HACKER can recover compromised Bitcoin wallets. ADRAIN LAMO HACKER has played a pivotal role in elevating the security standards of the Bitcoin ecosystem. Through their vast technologies, proactive approach, and extensive expertise, they have helped identify vulnerabilities and develop innovative solutions to protect Bitcoin holders. Hurry now and let ADRAIN LAMO HACKER know that you need their assistance through their
Email:Adrianlamo@consultant.com
WhatsApp: +1 (313) 213‑2442
REAL LEGITIMATE CRYTPO RECOVERY AGENT
I’m one of those few people who invested in the cryptocurrency market and was hoping to make enough profits after my retirement. Unfortunately, I had invested in a platform that was out to steal from me, I lost around $275,000 to this platform excluding the promised profits. I had lost every penny I invested into it including the money I had to borrow from friends. I thought it was all over until I came across a Cryptocurrency recovery expert, ETHICSREFINANCE SERVICE, who helped me recover my money from these fake investors. It took ETHICSREFINANCE 48 hours to recover my money and I was able to track down these people. I?m truly grateful for their service and I highly recommend them to anyone with the same problem.
Email Address: ethicsrefinance@gmail.com
WHATSAPP :+1 (719) 642-8467
ARE YOU A VICTIM OF INVESTMENT OR NFT SCAM? DO YOU WANT TO INVESTIGATE A CHEATING SPOUSE? DO YOU DESIRE CREDIT REPAIR (ALL BUREAUS)? SCHEDULE A MEETING WITH AN ETHICAL HACKER ASAP TO GET STARTED.
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 was so impatient to carry out the necessary research, but I really wanted to jump on the crypto trading and investment biz. Unfortunately for me, I invested 105,700 USD worth of bitcoin with a fraudulent company. I was happy to watch my account grow to 240,575 USD within a couple of weeks. But I didn’t realize I was dealing with a scam company until I tried to make an attempt to withdraw. I made a withdrawal request and noticed that my account was suddenly blocked for no apparent reason. I tried contacting customer support but all to no avail. I needed my money back at all costs, because I could not afford to let it go. So I tried all possible means to make sure I recovered my scammed bitcoin. I did a lot of online search for help and tried to see if there were other people who had any similar experience. I stumbled upon a cryptocurrency forum were a couple of people mentioned that they had been through the same process but were able to recover their lost cryptocurrency funds with the help of George Wizard Recovery Home. So, I contacted him and filed a report and he was able to help me get back my lost funds within 24 hours . I also realized that this very recovery agent deals on other forms of hackings aside cryptocurrency recoveries. I feel indebted to him. Apart from me here trying to express my gratitude to them once again using this medium, I will also like to recommend anyone who is looking for ways to recover (scammed bitcoin, stolen cryptocurrency, funds lost to binary options (forex), investment and any other form of online scam or even hackings of phones and social media, spying on cheating spouse and credit score upgrades) because I have confounded in him. Please, feel free to reach out to them for a perfect solution.
Contact Email:georgewizardrecoveryhome@gmail.com
Or
WhatsApp No: +1 (908) 768-4663
info@georgewizardrecoveryhome.com
I just want to say Thank You to everyone who supported me through the years. My name is Manuel Franco, New Berlin, Wisconsin. My story of how I won the Powerball lottery of $768.4M is a bit of a tale. I have been playing Powerball tickets for 6 years now since I turned 18. I bought my first ticket on my 18 birthday. I was feeling very lucky that day because I had contacted Dr. Odunga Michael to help me with the winning Powerball numbers. I really had that great great feeling that I looked at the camera wanting to wink at it. I only did a tiny part of it and trusted him. He gave me the numbers after I played a couple other tickets along with it for $10. I checked my ticket after the winnings came online and saw the numbers were correct including the Power play. I screamed for about 10 minutes because it felt like a dream. I had won $768.4M. You can check my winning testimony with the lottery officials just with my name search. Thank you Dr Odunga. Well, his email is odungaspelltemple@gmail.com and you can also call or Whats-app him at +2348167159012 so you guys can contact him