Most people classed as being in poverty 'have job'

Single adult here in a 1-bed flat:

Mortgage - £301
Insurance - £26
Council tax - £72
Leccy+gas - £56
Water - £20
Internet - £26
Phone - £38
Landline - £0, so just pay for mobile

Add these up and divide by 4.3333 to get it as a weekly figure - £124

That leaves me with £4/week for food! I'm only on £13k but gladly that means I take home £220/week. Still not a great amount as I pay for a gym, food ofc, then there's not a lot left for going out and impossible to save.

I wish I had your council tax bill.
 
Single adult here in a 1-bed flat:

Mortgage - £301
Insurance - £26
Council tax - £72
Leccy+gas - £56
Water - £20
Internet - £26
Phone - £38
Landline - £0, so just pay for mobile

Add these up and divide by 4.3333 to get it as a weekly figure - £124

That leaves me with £4/week for food! I'm only on £13k but gladly that means I take home £220/week. Still not a great amount as I pay for a gym, food ofc, then there's not a lot left for going out and impossible to save.

Do what many others do, including many on £40k in London and students. Share a house.
£38 a month for a phone bill is pretty steep as well, that's a pretty high end contract!

I'm not saying 13k is a lot but many of those that complain they arent on enough to survive would make a student feel like a king and have more luxuaries than someone paying sinlginficantly more tax than someone living in London.

I do like the idea of reducing tax and increasing the minimum wage though, however that wouldn't really help those companies that just scrape it each year and pay little tax because they make little profit.
 
As housing costs (i.e. rent/mortgage) are the biggest cost for the vast majority of UK households, this should be the target for future governments and I don't mean the sticking plaster over a gushing arterial tear that is Gideon's Help2Buy scheme.

Unfortunately there are only two fundamental ways of addressing this issue - build more homes or reduce the population. Reducing the population isn't going happen full stop, it would be devastating for economic growth. Where do we build more homes then? On the greenbelt? I don't think so. IMO the only solution is to go high rise again, the question is can we learn the lessons of our last disastrous foray into high rise?

I have said this for years now, it's not minimum wage that is the problem at all. It's the absolutely ridiculous cost of housing, especially for the group of working adults at around the "poverty" (I hate this word when describing people in this country!) line. The fact that the vast majority of housing benefit actually goes to this group, should be setting alarm bells ringing. Instead it's rarely ever mentioned at all, it should be the number one issue to be addressed.

When a huge amount of politicians are milking the buy to let system themselves, with large property portfolios, is there any wonder why we are in such a dire situation. It's almost comical.
 
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And what exactly did they do for them in the last government? Can anyone even name a single thing? Aside from creating a generation of people who are far better off not working.

Minimum wage.
Working tax credits.
SureStart.
Reducing child poverty in the UK.
 
Two things would really help with people who work but who do struggle to get by:-

1) Get rid of employers' NI, and raise the minimum wage overnight by 10-15%
2) Get rid of council tax, and put the extra % on income tax.
 
Two things would really help with people who work but who do struggle to get by:-

1) Get rid of employers' NI, and raise the minimum wage overnight by 10-15%
2) Get rid of council tax, and put the extra % on income tax.

1) Where's the money coming from if employers NI was abolished?
2) People who earn more already pay significantly more tax proportionally. How is it justifiable to tax them yet more?

If low earners need more money, we need an economy that offers better jobs, and have population qualified to carry out those jobs.

Current income redistribution between "workers" can hardly be seen as unfair.
 
I have said this for years now, it's not minimum wage that is the problem at all. It's the absolutely ridiculous cost of housing, especially for the group of working adults at around the "poverty" (I hate this word when describing people in this country!) line. The fact that the vast majority of housing benefit actually goes to this group, should be setting alarm bells ringing. Instead it's rarely ever mentioned at all, it should be the number one issue to be addressed.

When a huge amount of politicians are milking the buy to let system themselves, with large property portfolios, is there any wonder why we are in such a dire situation. It's almost comical.

I think this is the way they want it. Why build affordable housing (god forbid public housing) when you can instead force them into the renting trap? That £200,000 sitting in the bank isn't making anything but buy a house and walla, you can suckle of the £600-800PCM rent instead. The rich won't have to make any lifestyle sacrifices and it keeps the poor in their place.
 
How did you get a mortgage on £13k?

I took out at £55k mortgage back in 2006 when I was earning slightly more @ £14k. My lender (Nationwide) said that I could take out a 25-year mortgage @ 4x my wage.

I wish I had your council tax bill.

Band A property here, as it's a 1-bed flat. It's literally just 1 large downstairs room, 1 large upstairs room + small bathroom.

Do what many others do, including many on £40k in London and students. Share a house.
£38 a month for a phone bill is pretty steep as well, that's a pretty high end contract!

I've always only had a mobile, with the mentality of 1 single (albeit high) bill instead of 2 bills, and getting a free high-end handset. I have done the house-share thing though, which helped me to save for a deposit to buy the flat (further up my post here).
 
Though in deeply pains me to say it, come the imminent revolution, I suspect those taking zero hour contracts will be high on the list to hang from the lampposts ... they are doing nothing but enabling the **** ConDems. They should be protesting (as violently as required) to get back the rights that have been stolen from them.

How can someone actually 'make ends meet' on a zero hours contract? You would have no idea how much money you would have coming in week to week, so how can these people survive? I assume they would be off the jobless figures (are the figures falling because of this sort of shenanigans?) but would be reliant on benefits. But how do they claim benefits if they don't know how much they will earn?
Its one thing the government claiming things are improving, but if you are on the bottom people won't see any improvement at all.
 
Two things would really help with people who work but who do struggle to get by:-

1) Get rid of employers' NI, and raise the minimum wage overnight by 10-15%
2) Get rid of council tax, and put the extra % on income tax.

So you propose we create a massive hole in the governments budget, and then distribute council funding based on the wealth of its population rather than the volume? Assuming of course that you plan to feed the extra income tax out of the IR and back into councils, rather than just cut all their funding?
 
1) Where's the money coming from if employers NI was abolished?

More income tax and more overall employment. Even if the saving from employer's NI wasn't re-invested by a company, it would be retained as profit so would be charged under corporation tax anyway.

2) People who earn more already pay significantly more tax proportionally. How is it justifiable to tax them yet more?

That's how a progressive tax system works. The current council tax system which is essentially just an on/off switch when people go from not working -> working is a barrier to getting people back in to work.

So you propose we create a massive hole in the governments budget, and then distribute council funding based on the wealth of its population rather than the volume?

That's not what I said, please re-read. You could interpret the change as a local income tax.
 
People need a living wage not a minimum wage, pure joke the way workers getting shafted in this country :mad:
Soon as Thatcher destroyed unionisation they were in line to get shafted.

That woman completely shafted everyone who just wanted to make an honest living in this country, all for a quick buck.

Only way we'll get back to employers paying a fair wage to workers is through unionization, without anyone fighting for the workers rights they'll get nowhere and poverty will just get worse and worse.

Well, that, and the abolition of tax avoidance, force out companies who are draining markets and local economies dry and forcing out competitors using unfair methods, while contributing very little to society. Let local run British firms who are prepared to play by the rules replace them and generate wealth for local economies and local people.

Sick of this neo-mercantilist claptrap the government keeps spewing, masquerading as free market economics. You cannot have a free market if government and law exists, and you cannot have a partially free market - it won't self regulate, that's just mercantilism. Free to those who can afford it, very expensive to those who can't.
 
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Only way we'll get back to employers paying a fair wage to workers is through unionization.

I agree with this but to be 100% clear, unionisation doesn't necessarily mean going back to three day weeks, strikes, work to rule etc. That doesn't benefit anyone in the long run.

As always it's the Germans who show us how to do it, with union recognition and representation at board level being the norm in most corporations.
 
A "living wage" needs to be balanced against what value a person brings to business.

You can't expect an employer to pay ~£30k a year to someone who's practically illiterate and work ethic is highly questionable.

If they don't justify the wage, forcing employers to pay over the odds would simply result in underemployment and a loss to the wider economy.

You need to address the cause, not the symptom.

There are many in society I wouldn't pay minimum wage, or indeed any wage.

I do agree with you, but it's wrong to assume people on the minimum wage are always illiterate and/or questionable work ethic. Even if you were university-level on all of your "basic" skills, had a great work ethic, and did an extra hour of unpaid overtime, your wage would be the same for doing the same job.

Because if you ask for more, someone else will take the job for less. Most people on minimum wage are overqualified, and they cannot improve their chances by "being better" at what they do, they gotta do something else.

The system is rigged a bit; if you get minimum wage, you are stuck on it.
 
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