Personal Tax Summary (a.k.a. the “Fuck You Very Much letter”)

Like me, you’ll probably have recently received your Annual Tax Summary 2015-16

The front of this document is depressing and infuriating enough, as it shows in black and white (okay, green and blue) how much of your hard earned was stolen under threat of violence by the government, to be spent in ways that are invariably against your personal interests and against the national interest.

Clearly I’m not going to state here precisely how much income tax and national insurance I paid last year, but it was enough to buy a luxury car, or a deposit on a detached house in the south east of England. For which I can expect not to be thanked, but to be spat at by a spiteful, entitled and envious society as a “greedy rich cunt”.

It’s the reverse of the document, though, that really ought to raise the hackles and resolve any right-thinking individual to investigate how to reduce the amount of tax they pay, by whatever means possible.

This is a breakdown of how my income tax and NICs were spent – I expect we will all get a breakdown indicating exactly the same proportional allocations:

image

Firstly, this is clearly only income tax and NICs which nets out at more than 35% of my annual income… I don’t know if there’s a full breakdown across the whole piece including all the other taxes we pay directly or indirectly: VAT, fuel duty, vehicle excide duty, alcohol duty, tobacco tax, insurance premium tax, council tax, stamp duty, capital gains tax, inheritance tax, green taxes, air passenger duty, TV licence etc… If you add those in, I expect the ratio of your income that goes back to the government as tax rises from 35% to more like what… 60%? 70%?

Now, let’s look at some of the categories above.

Welfare – 25% of the tax stolen from your earnings is used to pay for other people who cannot or will not work, or who consider themselves entitled to breed without having to own the financial and social consequences of their decisions. Notice that this explicitly excludes NHS & state pensions. It’s sometimes asserted that state pensions are the main reason why welfare is such an expensive habit. Clearly this is not the case as they are a separate category.

While there are always some cases where people genuinely cannot work, there are quite clearly a significant number who could work but won’t . There are also those who should be able to work but cannot because of barriers created by the state – people who are failed by the NHS and cannot work while they’re waiting 2 years for e.g. a hip or knee operation. Young people who have been failed by the education system, and by generationally welfare dependant families, who may wish to win their independence but, being low skilled, are locked out of the labour market by the minimum & living wages, finding the black economy to be the only place they can prosper.

This, in one paragraph. illustrates my conviction that what we spend on education, the NHS and welfare actually contribute to the inflation of the welfare budget. All because of how the money is used; how the machinery that allocates and spends the money, and delivers the “services”  is riddled with intellectually bankrupt self-serving leftist philosophies of the state, education, society and economics.

There are all manner of “civilised” ways to tackle these problems. People like Iain Duncan Smith have been trying to do so since 2010. But they get no thanks even when their plans are as moderate and ineffectual as can be imagined. They win vitriolic opprobrium by the entitled classes and the leftist elitists who virtuously enlist the underclass as their free-range pets.

So what’s the point? If we grudgingly accept that a welfare state should exist at all, we need to seriously curtail it. The overarching principle has to be that you cannot get out more than you have put in. Beyond that, your safety net is the workhouse, and your children’s organs on eBay.

Health – the NHS is an international disgrace. It needs to be burned to the ground. Socialised medicine is a cancer and should be replaced with a much more individual system. It provides a moral hazard regarding personal responsibility. It is inefficient, dehumanising, callous and deadly all while expecting thanks and veneration. Sorry, but no. On top of the thousands I contributed to the NHS, for the sake of my own health and dignity spent IRO £5k on insurances for healthcare, dental, and against serious injury and illness that may prevent me working.

State pensions – here I’ve less of a problem, but I do still have a problem. While I get that the state pension system is a Ponzi scheme, those who have paid in all their lives are perfectly entitled to get the pensions they were promised. However, I know from my own elderly relatives that those who have paid in all their lives, and saved from their modest incomes have ended up less well off than those who spent years on benefits and retired without a penny to their names. Again here, I allocated a significant proportion of my earned income to a private pension, which thanks to more than a decade of short-sighted economic incompetence by government and reserve banks, will not grow into anything like the retirement fund it ought to.

Education – we have seen the state education system drowning in a toxic cocktail of leftist ideology, grade inflation, feminisation, multiculturalism, lack of discipline and disastrously low expectations. I don’t have children, but if I did, it’s almost inevitable that I’d be making the necessary sacrifices to have them privately educated.

National debt interest – the cost of feeding and watering the magic money tree. The national debt will never shrink. It can only be inflated away in a manner that will decimate your savings, assets and earnings.

Defence – more than 5% of my income taxes spent on what? Ill advised military adventures that force millions of people in the middle east and north Africa to abandon their homelands and seek sanctuary in gullible, beneficent Europe. And amongst those incomers hide swivel-eyed jihadists that jeopardise our security at home. Great. Perhaps if we just controlled and defended our borders properly instead?

Once we get past public order and safety (corrupt police, intrusive surveillance and nannying), we really just have a mixed bag of shit that the government should not be involved with at all. Taken along with getting the state out of the big areas that it’s clearly catastrophically bad at – health and education – the public sector and government budget could be cut in half overnight, and while it may come as a shock to people, in the medium to long term, the benefits would be phenomenal.

One final note… as you will see when you receive your own personal “FUCK YOU” from HMRC, they don’t actually give percentages, they give actual numbers of pounds spent in each area from your taxed income. I’ve converted them into percentages. But I noticed that, while they state that the numbers are rounded to the nearest pound, and there are 15 categories listed, the total of the £ spent in the 15 categories comes up £47 short of the total they put at the bottom of the breakdown.

You have to wonder, really, don’t you?

AJ

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About Al Jahom
Anti-social malcontent, misanthrope and miserable git.

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