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Friday, 21 March 2014

An open letter to the Chancellor of the Exchequer.

Dear Mr Osborne,

Although I make no claim to be an economist, I think that I have now grasped the main points of your latest Budget, as they pertain to me - a teetotal pensioner with a very modest occupational pension, who does not play Bingo.
 
I am delighted to know that I am now able to deposit £15,000 in my ISA.  Unfortunately, the £50+ that it currently holds is about as much as it is going to have for the foreseeable future.   With that £50, I am probably still better off than many of my fellow senior citizens!  Even if I did have the level of savings that you appear to consider to be quite normal, the interest rate on the ISA that I do have is so low as to make it little better than placing my £15k in a sock, and hiding it under the mattress!
 
You have also ensured that I have greater freedom with regard to my 'pension pot'.  Regretfully, along with many others, my bed is already well made, and I must sleep thereon.

It was interesting to see that you have raised the personal tax allowance.  However, as far as I can see, you have not raised it for those of us who are receiving a state pension.  I am still awaiting the documentation from my occupational pension provider, but I suspect that the very small increase in my state pension will be, effectively, swallowed up by the fact that I will have to pay more tax on my occupational one.
 
All in all, I regret to have to say that I was not, at a personal level, the least bit impressed by your Budget.  Perhaps I missed something - and, if so, I trust that someone will enlighten me - but my personal verdict is a great 'thumbs down'.  This is one 'grey vote' that you will not have!
 
Kind regards.
 
[Now all that I need is for someone to direct Mr Osborne to my blog!!!!]

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