For all us Pensioners

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Originally Posted by North Cardiff Blue

That is blatent envy, some people will do better than you, some will be worse off, just get on with your life do the best you can for you and your family, someone will always have more, we all get the same opportunaties, some people will always make more of them or make better financial decisions.

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Obviously untrue. I agree some people make more of their opportunities than others - for a variety of reasons - but the idea that we all have the same chances in life and the playing field is level is total nonsense.

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Originally Posted by SLUDGE FACTORY

I can't stand these daily mail types in nice houses who say .......I have worked hard all my life ! ........as if cleaners , care workers and shop workers have sat on their arses ?

Brass neck of people like that , three holidays a year , private pension , private health care.......

But some poor sod with a knackered back after working on the refuge in the old days .......oh he's workshy ! A week with his wife in Porthcawl ? ........how did he afford that !

Curtain twitching tory bastards

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Well done Sludgie, nail and head!

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Originally Posted by SLUDGE FACTORY

No it's hatred of twats who think they work hard ......yet other people who clearly get paid less .....don't

They deserve a flash car ......the rest can piss off

Entitled faux rich

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Maybe those people started in a poorly paid job and worked hard and thought this isn't for me i'm working my nuts off for peanuts, so decided to take a risk and do something else, or worked hard and worked there way up.

They would see it that people who took the easy route stayed in the comfort zone a bit to scared to work there way out are a bit lazy, shouldn't be moaning now that the government should tax the people who worked hard on themsleves and out of poorly paid jobs, should pay tax for their pensions?

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Originally Posted by jon1959

Obviously untrue. I agree some people make more of their opportunities than others - for a variety of reasons - but the idea that we all have the same chances in life and the playing field is level is total nonsense.

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Yes thats true, I realised that after I posted, but some people take risks and take advantage of the opportunities and try and work their way up.

You will find examples of people starting from the most difficult starts in life and acheiving great things, be it wealth fame or whatever they want and the quite the reverse.

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Originally Posted by the other bob wilson

No, I got my full Civil Service pension for February and March, but it dropped by about £95 from April. I don't get any sort of breakdown of my Civil Service pension on a monthly basis, so don't know for sure what's happening, but I suspect that, whereas I had filed my own tax returns (including 21/22) for the years when I was just receiving the Civil Service pension and the money from the blog patrons, they're now taking tax off me, so, yes, "cut" wasn't the right word to use - assuming that I'm right in my thinking.

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You receive the full state pension into your bank account.
HRMC add up your state pension and company pension and take tax owing from your company pension.

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Originally Posted by dandywarhol

You receive the full state pension into your bank account.
HRMC add up your state pension and company pension and take tax owing from your company pension.

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One's state pension benefits from the relevant tax allowance first and foremost - and as state pensions tend to be a lower figure than one's tax allowance then one's State Pension 'appears' to be tax-free i.e. it doesn't reach the threshold of the tax allowance. One's occupational pension will then benefit from the 'unspent' or remainder of the tax allowance e.g. if one's tax allowance is £13.5K and one one's State Pension is £9K, the 'unspent tax allowance' (i.e. the difference in the two figures) of £4.5K is applied as the tax allowance for the Occ Pen.

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Originally Posted by dandywarhol

You receive the full state pension into your bank account.
HRMC add up your state pension and company pension and take tax owing from your company pension.

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Thanks, I’ll still need to pay tax on the money I get for the blog, so I assume I’ll be able to find out how much tax I’ve paid for 22/23 when I log onto Government Gateway next May?

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Originally Posted by the other bob wilson

Thanks, I’ll still need to pay tax on the money I get for the blog, so I assume I’ll be able to find out how much tax I’ve paid for 22/23 when I log onto Government Gateway next May?

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If Inland Revenue are aware of both your State Pension and Occupational Pension (which seems the case) and that your tax allowance is fully 'spent' between those two incomes then you will need to put aside 20% of the income you receive from the blog (assuming the latter doesn't bump up your annual income to £50K!).

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Originally Posted by Taunton Blue Genie

If Inland Revenue are aware of both your State Pension and Occupational Pension (which seems the case) and that your tax allowance is fully 'spent' between those two incomes then you will need to put aside 20% of the income you receive from the blog (assuming the latter doesn't bump up your annual income to £50K!).

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Cheers TBG, that’s what I thought - no, forget Gareth Bale, Rubin Colwill will be long, long retired before my total blog income reaches 50 grand.

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Originally Posted by North Cardiff Blue

That is blatent envy, some people will do better than you, some will be worse off, just get on with your life do the best you can for you and your family, someone will always have more, we all get the same opportunaties, some people will always make more of them or make better financial decisions.

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Absolute tosh. My parents bought their house 30 years ago for ~£60k, the same house now is worth ~£400k. Average wages certainly haven’t increased by 700% in that time. Just because a third of their income doesn’t go to a landlord and mine does, isn’t because I’ve made worse financial decisions.