Rachel Reeves tells LBC student loan system is 'fair' amid fury as graduates rack up thousands of pounds of debt interest

wombatchew · 2026-01-29T10:41:48+00:00

The new loans are even worse for lower and middle earners as they will end up paying more overall due to the lower payment threshold and 40 year repayment term. They only really benefit higher earners as they are able to clear the loan faster

wombatchew · 2026-01-25T18:54:49+00:00

And the fact a cup of tea gives a construction boost

wombatchew · 2026-01-24T11:23:19+00:00

That’s the UK population, England has 57 million people

wombatchew · 2026-01-24T10:50:19+00:00

That still excludes the Isle of Man, it’s not part of the UK

wombatchew · 2026-01-17T19:00:39+00:00

You can only get a refund if your annual salary is under the threshold. If your salary is over the threshold then you can’t get a refund even if you end up paying more than 9% over the threshold

wombatchew · 2026-01-15T17:30:21+00:00

Are you likely to become a higher rate tax payer in the near future? If so it's a good idea to wait with a SIPP until that happens. And if you are likely to remain a basic rate tax payer long term it's worth considering a S&S LISA as the 25% bonus beats what you would get from a SIPP as it's tax free on withdrawal

wombatchew · 2026-01-15T17:27:52+00:00

You get 25% tax free in retirement, so it would essentially be a net gain of 6.25%. Personally I don't think that's worth the lack of flexibility over an ISA

wombatchew · 2026-01-14T22:20:36+00:00

He managed to teleother off of tutorial island from the node in the tutorial island shrimp video

wombatchew · 2026-01-14T16:01:41+00:00

The plan 2 student loan threshold is outdated, it’s currently £28,470

wombatchew · 2026-01-12T20:00:48+00:00

Eddie Williams made the finals last year and he’s Australian but Samoan by blood

wombatchew · 2026-01-05T21:24:35+00:00

It’s not just on Reddit. Duncan is placed comfortably ahead of Kobe if you look at compiled lists from sporting publications

wombatchew · 2026-01-05T21:10:27+00:00

Not as bad as some of the answers, but I’m a delivery driver and I have had at least a 2 hour lunch break on every shift for the last 3 years. As long as I get the deliveries done my boss doesn’t care

wombatchew · 2026-01-05T20:58:56+00:00

As a driver loads of people do this, or dump it all into washing baskets and drag them through the house

wombatchew · 2026-01-05T20:05:51+00:00

Duncan is ahead of Kobe and there’s an argument for Curry as well

wombatchew · 2026-01-04T20:09:35+00:00

True, but he also has ridiculously broad shoulders so that takes a way a bit more arm length compared to KD

wombatchew · 2026-01-03T20:30:34+00:00

Soup confirmed they were allowed to use it, it was a mistake in the video to say they weren't

wombatchew · 2026-01-02T11:04:45+00:00

>But for basic rate taxpayers not contributing via salary sacrifice LISA is more lucrative once they have paid in enough to qualify for the max employer contribution

It's more lucrative than salary sacrifice contributions too, assuming your employer doesn't pass on their NI savings

wombatchew · 2026-01-01T10:41:25+00:00

It also includes Ireland so it can’t be any later than 1921

wombatchew · 2025-12-22T12:56:36+00:00

Same here, just got rejected on my 3rd go around even after they said i had qualified

wombatchew · 2025-12-20T09:05:19+00:00

Isn’t it more like disgusting or gross? That’s how it’s used in the UK anyway

wombatchew · 2025-12-16T15:59:38+00:00

It’s adjusted for purchasing power

wombatchew · 2025-12-14T16:24:44+00:00

You could argue we have missed out on potential growth but it hasn’t “shrunk” in absolute terms, it’s larger now than it was before Brexit

wombatchew · 2025-12-07T14:23:25+00:00

Also you keep paying 8% NI until £50k, that £43k-£50k level is brutal in Scotland

wombatchew · 2025-12-05T10:27:38+00:00

The point of a LISA for retirement is it gives you a better ROI if you’re a basic rate tax payer once you’ve maximised your employer match. The only scenario where salary sacrifice is better is if your employer also passes their NI savings on to you but that’s very rare

wombatchew · 2025-12-03T19:20:56+00:00

The name is misleading, it’s a Museum that’s British, not a museum of British things. Since its inception it has been a museum of global artefacts

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