FORUMS > The Sin Bin > Bedroom Tax - A Solution ? |
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| Quote: Ajw71 "Loopy Brazilian Leftie
I'd rather be a Loopy Brazilian Leftie than a Tory
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| Quote: Hull White Star "I'd rather be a Loopy Brazilian Leftie than a Tory
Hmm not sure
How are you HWS?
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| Quote: Mintball "More than 80% (I cannot recall, off the top of my head, the exact figure over the 80) of all housing benefit payments are to people IN WORK.
People like that councillor are either seriously lacking in basic information or playing the IDS game of trying to use disinformation to play divide and rule.
If anyone's interested, he's on Twitter
I'd be interested to know where your 80& statistic comes from.
How relevant is that statistic to the issue of the spare room subsidy? That is, how many in work in receipt of housing benefit will be affected?
How does introducing the spare room subsidy into social housing differ from introducing into the private rental sector?
It's all taxpayers money being spent & surely resources should be matched according to need?
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| Quote: cod'ead "As predicted
No one saw that coming did they? Well no one of a tory leaning saw it. Economic illiterates'"
What reports are these figures drawn from? On what basis is the forecast made? There's nothing in that piece to support the claims.
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| Quote: Mintball "And if your (already low) wages are going down long term and the cost of living is perpetually rising, it's next to near impossible – not least when a spanner is thrown into the works like a blown boiler, for instance.
You cannot budget for any and all eventualities when you've no room to move beyond roof over head, basic bills and food on the table.
We're not seeing a rise in food banks because nobody using them can budget. The same goes for Save the Children having to provide help in the UK. UNISON is seeing an increasing number of members (that's working people) needing help with school uniforms and winter fuel grants, plus debt counselling. I interviewed one such counsellor earlier this year – this isn't people spending way over their 'budgets' – it's people getting into a mess because their wages are too low for a very basic standard of living.
That's the reality of life in the UK in 2013 – and a reality that individuals such as Ajw71 either do not realise exists or prefer to pretend does not exist.
And 'budgeting' is frankly just a way of palming the ultimate responsibility for that toxic mix of rising cost of living and falling incomes onto those who are most on the receiving end of it.'"
Food banks were there in the boom times under the last government. So were the homelees & children in poor families.
Perhaps ask yourself why wages are too low. What is too low? Wages are reflected by the supply of & demand for labour. We have huge over supply so wages are low. Why do we have a huge over supply of labour?
Can you provide some referenced statistics on how much incomes have fallen & cost of living risen? How hard is it to cut back on non necessities & luxuries?
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| Quote: Ajw71 "
I really struggle to believe that, for example, someone does not have the intelligence to walk round a supermarket & buy the incredibly cheap food that is on sale.
It's all about prioritising what you do with the money you receive. If people can't bring themselves to cut out habitual unnecessary spending, that's their problem.
I've been out of work, I've been skint, but I've never blamed anyone else for me deciding to spend money wisely.
There really is an 'it's always someone else's fault or responsibility to sort this out for me' culture in this country.
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| Quote: BiffasBoys "
How does introducing the spare room subsidy into social housing differ from introducing into the private rental sector?
It's all taxpayers money being spent & surely resources should be matched according to need?'"
We don't ask for anything from Government other than fairness when applying taxation derived monies as Benefits for those in need, its the government themselves who set the boundaries at which the Benefits kick in, so if a family require support to find suitable housing because their earnings fall beneath a government set line then we should have no problem in sanctioning that.
The problem is of course that there is a critical shortage of "social" housing, that is housing provided by local authorities and housing associations on a social provision basis rather than a "for profit" basis and if properties of a certain size are all that is available in any given area then its surely better to have them occupied than empty and/or using private landlords instead who will always adjust their rents to suit market conditions regardless of social need (a human characteristic and completely understandable) ?
The bedroom tax (and long live its name despite the attempts to PR-soften it) is simply a cynical sledgehammer to recoup monies which have in the past been necessarily paid out because of successive governments failure to recognise that social housing is not an anathema but is an absolute necessity in every society.
You can't punish a person for living in social housing that has one too many bedrooms since their children moved out, if that is the only home that the local authority or housing association can provide - which is exactly the situation at the moment, even those who are willing to downsize find that they cannot, those people should not be taxed for the situation they have been placed in.
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Quote: BiffasBoys "... surely resources should be matched according to need?'"
The resources in this case are the dwellings with a smaller number of bedrooms.
Those dwellings are, largely, already allocated.
It's pointless telling people to move to a smaller dwelling when those smaller dwellings are already allocated.
Hence people who, by definition, don't have the money in the first place, can't move, have their housing benefit reduced and many will end up in arrears, evicted, become homeless and then the LA will have to house them because they are homeless.
Or, they have to move into the more expensive private sector.
The whole idea doesn't actually take the facts into account ... it is ill-thought-through and vindictive.
Quote: BiffasBoys "What reports are these figures drawn from? On what basis is the forecast made? There's nothing in that piece to support the claims.'"
Does that mean the claims are wrong?
As people are re-housed in the private sector, it costs more.
Even the DWP admit that... "[iThe growth in the cost of Housing Benefit in the private rental sector has been partly driven by higher rents feeding through to higher Housing Benefit[/i"
https://www.gov.uk/government/uploads/s ... wr2011.pdf
You say you've been skint ... but your idea of budgeting is simply to buy cheap food and cut out luxuries.
Many are already buying cheap food (to the detriment of their health in many cases) but can't afford the rent, or the gas bill or clothes for growing kids ... etc etc.
You mention the (rather obvious) over-supply of labour as the cause of joblessness.
No flies on you Sherlock.
As the government is concentrating on austerity rather than growth, the jobs will remain hard to find ... isn't that also obvious?
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Quote: BiffasBoys "... surely resources should be matched according to need?'"
The resources in this case are the dwellings with a smaller number of bedrooms.
Those dwellings are, largely, already allocated.
It's pointless telling people to move to a smaller dwelling when those smaller dwellings are already allocated.
Hence people who, by definition, don't have the money in the first place, can't move, have their housing benefit reduced and many will end up in arrears, evicted, become homeless and then the LA will have to house them because they are homeless.
Or, they have to move into the more expensive private sector.
The whole idea doesn't actually take the facts into account ... it is ill-thought-through and vindictive.
Quote: BiffasBoys "What reports are these figures drawn from? On what basis is the forecast made? There's nothing in that piece to support the claims.'"
Does that mean the claims are wrong?
As people are re-housed in the private sector, it costs more.
Even the DWP admit that... "[iThe growth in the cost of Housing Benefit in the private rental sector has been partly driven by higher rents feeding through to higher Housing Benefit[/i"
https://www.gov.uk/government/uploads/s ... wr2011.pdf
You say you've been skint ... but your idea of budgeting is simply to buy cheap food and cut out luxuries.
Many are already buying cheap food (to the detriment of their health in many cases) but can't afford the rent, or the gas bill or clothes for growing kids ... etc etc.
You mention the (rather obvious) over-supply of labour as the cause of joblessness.
No flies on you Sherlock.
As the government is concentrating on austerity rather than growth, the jobs will remain hard to find ... isn't that also obvious?
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| Quote: JerryChicken "We don't ask for anything from Government other than fairness when applying taxation derived monies as Benefits for those in need, its the government themselves who set the boundaries at which the Benefits kick in, so if a family require support to find suitable housing because their earnings fall beneath a government set line then we should have no problem in sanctioning that.
Quote: JerryChicken "Who is we?. Fairness is being applied. .It's local authorities who allocate social housing & housing benefit. The discussion isn't about whether or not housing benefit should be awarded.'"
The problem is of course that there is a critical shortage of "social" housing, that is housing provided by local authorities and housing associations on a social provision basis rather than a "for profit" basis and if properties of a certain size are all that is available in any given area then its surely better to have them occupied than empty and/or using private landlords instead who will always adjust their rents to suit market conditions regardless of social need (a human characteristic and completely understandable) ?
Quote: JerryChicken "Is there are critical shortage of social housing? On what basis do you reach this conclusion? Clearly the social provision basis is failing because of the level of allocative inefficiency. If all the claims of people having their benefits reduced due to being in larger than required properties are to be believed. There are I'm sure huge numbers of people in social housing who can afford to live without the rent subsidy they receive. If these people were moved into the private sector, plenty of social housing stock would be freed up, thereby addressing the critical shortage you say exists. How many social housing units were built under the last Labour government? '"
The bedroom tax (and long live its name despite the attempts to PR-soften it) is simply a cynical sledgehammer to recoup monies which have in the past been necessarily paid out because of successive governments failure to recognise that social housing is not an anathema but is an absolute necessity in every society.
Quote: JerryChicken "How is a reduction in unearned income a tax? It's a reduction in taxpayer funded benefits. So when the last Labour government introduced the spare room subsidy into the private sector it cynically hammered those it failed to provide social housing for? Or was it simply trying to control the benefits bill?'"
You can't punish a person for living in social housing that has one too many bedrooms since their children moved out,
Quote: JerryChicken "How is asking someone to pay a more equitable amount for what they are being provided a punishment?/'"
if that is the only home that the local authority or housing association can provide Quote: JerryChicken "You seem to think it's an impossibility for these people to use private housing provision. A market where there is plenty of variety & choice.'"
- which is exactly the situation at the moment, even those who are willing to downsize find that they cannot, those people should not be taxed for the situation they have been placed in.
Quote: JerryChicken "No one has to move. No one is being taxed. Fairness is applying the same rule to everyone, be they in social or private housing. That's exactly what is happening.'"
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| Quote: El Barbudo "The resources in this case are the dwellings with a smaller number of bedrooms.
Those dwellings are, largely, already allocated.
Quote: El Barbudo "Are they? How do you know this?'"
It's pointless telling people to move to a smaller dwelling when those smaller dwellings are already allocated.
Quote: El Barbudo "No one is telling anyone to move'"
Hence people who, by definition, don't have the money in the first place, can't move, have their housing benefit reduced and many will end up in arrears, evicted, become homeless and then the LA will have to house them because they are homeless.
Quote: El Barbudo "How do you know they don't have the money in the first place? Is there actually a lack or provision? Why can't people move? There are many thousands of people who live in social housing who lead very comfortable lives, run cars, have Sky TV & all the other everyday taken for granted items. Why do they require social housing? They aren't in need yet are all in receipt of benefit in the for of taxpayer subsidised rents. I'd suggest these people should be targeted in tandem with a drive to allocate housing on need in order that the cost to the taxpayer be reduced even further.'"
Or, they have to move into the more expensive private sector.
Quote: El Barbudo "How is the private sector actually more expensive? The capital investment doesn't come from the taxpayer, nor does the ongoing maintenance. rents may be higher, but total cost will be far lower.'"
The whole idea doesn't actually take the facts into account ... it is ill-thought-through and vindictive.
Quote: El Barbudo "Foes that apply to those people who were in private rented accommodation who have had to make up the difference or move?'"
Does that mean the claims are wrong?
Quote: El Barbudo "Unless they are supported with irrefutable evidence, yes.'"
As people are re-housed in the private sector, it costs more.
Even the DWP admit that... "[iThe growth in the cost of Housing Benefit in the private rental sector has been partly driven by higher rents feeding through to higher Housing Benefit[/i"
You say you've been skint ... but your idea of budgeting is simply to buy cheap food and cut out luxuries.
Many are already buying cheap food (to the detriment of their health in many cases) but can't afford the rent, or the gas bill or clothes for growing kids ... etc etc.
Quote: El Barbudo "You seem to be unable to understand that cheap does not mean bad. I think you'll find plenty of kids being fed on McD's during trips to Asda etc & that's not sheap, but it is . There are bargains galore & you can eat very well & healthily for less than it costs for fast food if you have an ounce of common sense. What rent can't they afford? Social or private rates? If their income is low they get housing benefit? Are these people who can't afford these gas bills using the gas wisely? If you can't provide for children, don't bring them into the world to suffer because of your selfishness!!'"
You mention the (rather obvious) over-supply of labour as the cause of joblessness.
No flies on you Sherlock.
Quote: El Barbudo "A legacy of the last government, of course'"
As the government is concentrating on austerity rather than growth, the jobs will remain hard to find ... isn't that also obvious?
Quote: El Barbudo "Is it somehow wrong to cut the amount you are spending when you cannot afford it? Can you give me some examples of this 'austerity' & how any other government would do it differently? Where & how was this growth supposed to come from & over what timescale?'"
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| Quote: BiffasBoys "...The discussion isn't about whether or not housing benefit should be awarded.'"
No, it's about the reduction in benefit, which you appear to have forgotten.
You seem to question every point made but make sweeping statements of your own such as these ...
Quote: BiffasBoys "...Clearly the social provision basis is failing because of the level of allocative inefficiency...'"
Why clearly?
Are there enough smaller dwellings to allow "allocative efficiency"?
Can you provide stats for that please?
Quote: BiffasBoys "... There are I'm sure huge numbers of people in social housing who can afford to live without the rent subsidy they receive...'"
How many ... and on what basis can you state that?
Quote: BiffasBoys "... If these people were moved into the private sector, plenty of social housing stock would be freed up.. '"
Well obviously ... but the cost of housing benefits would rise as the demand in the private sector rose.
You haven't thought that through ... or maybe you have but are being disingenuous.
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| Quote: El Barbudo "No, it's about the reduction in benefit, which you appear to have forgotten.
You seem to question every point made but make sweeping statements of your own such as these ...
Why clearly?
Are there enough smaller dwellings to allow "allocative efficiency"?
Can you provide stats for that please?
How many ... and on what basis can you state that?
Well obviously ... but the cost of housing benefits would rise as the demand in the private sector rose.
You haven't thought that through ... or maybe you have but are being disingenuous.'"
If people who don't require all the rooms they have in these properties, the system is failing because of allocative inefficiency. The resources are not being allocated on actual need. Exactly the same applies to those who can afford not to live in social housing, yet do. Not based on need that they have social housing.
The proposed housing benefit cap would address that, but look at the uproar that caused. Rents would only rise if there was no capacity in the private sector, but there is no shortage.
Again i'll point out that though private sector rents may be higher, there's no capital investment & ongoing spend so the total cost is actually far less.
Should the spare room subsidy apply in private rented housing? Fairness? To whom?
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| Quote: BiffasBoys "If people who don't require all the rooms they have in these properties, the system is failing because of allocative inefficiency...'"
Repetition is not proof.
Quote: BiffasBoys "...Rents would only rise if there was no capacity in the private sector, but there is no shortage...'"
Moving people to private sector would, by definition, increase demand.
If demand increases beyond the current spare capacity, rents will rise purely due to supply and demand.
Are you saying there is sufficient spare capacity lying empty to be able to cope?
Quote: BiffasBoys "Again i'll point out that though private sector rents may be higher, there's no capital investment & ongoing spend so the total cost is actually far less...'"
Of course there is capital expenditure and ongoing cost.
You say the cost is less ... how much less?
Numbers please.
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| Quote: BiffasBoys "I'd be interested to know where your 80& statistic comes from...'"
rlShed load of stats and data on benefits here.rl
rlMore hererl
rlMorerl.
rlMorerl
The above includes a variety of sources.
Via social media a few months ago, I did, incidentally, ask a Conservative councillor whether he knew that so many recipients of housing benefit were in work (he was doing the old 'benefit scroungers' line). He replied, curtly, that he did. He didn't dispute it – just subsequently refused to respond to any further questions about why he damned people in work as being different to the "hard working" people who didn't receive benefit.
Quote: BiffasBoys "How relevant is that statistic to the issue of the spare room subsidy? That is, how many in work in receipt of housing benefit will be affected?'"
It is relevant for a number of reasons, but not least because it illustrates that benefits are not simply paid to the 'scroungers and skivers', as the government's propaganda pretends, but a vast amount are paid to those who are in work, but cannot afford to live on the wages they are paid, primarily because those wages are too low to meet the cost of housing in the UK.
At present, as a direct result of ideologically-inspired government policy, the taxpayer is subsidising the private rented sector, but not addressing the core of the problem, which is the paucity of affordable housing, the building of which was stopped (again for reasons of political ideology) back in the 1980s, and which no subsequent government has seen to address properly.
There are not enough one-bedroom properties in the country for people to downsize to where that would be appropriate (let's forget, for the moment, the cases where it would be inappropriate) and, until this is addressed, penalising people for that situation, when they are already on low incomes, is, quite apart from any ethical consideration, economic illiteracy.
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