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I might have to look at maintenance loans and their details in a few years time. In terms of universities financing, the model is falling apart at the seams. There will be disruption in the sector for a while ahead. The current government aren't interested in addressing the issue, and the next...

Income tax increases over certain thresholds (all of which have been frozen for a while). Not sure this is what you're trying to convey. Maybe you're thinking of national insurance, which you stop paying over a certain amount.

Neither income tax nor student loans are tapered (unless I'm completely misunderstanding your point).

An entry-point into Raworth for you: https://www.theguardian.com/news/audio/2023/jul/03/the-planets-economist-has-kate-raworth-found-a-model-for-sustainable-living-podcast

How long this dire predicament continues is anyone's guess, but one of the key requirements to get us out of the mire is for the likes of the reassessment that you are going through. I'll say something that I often say: read Piketty. I'll mention two points he makes: 1, he has a simple equation...

I've always found that cat charities are desperate for money in this country In answer to what you're doing in this post and the OP, we have a 16yo who is spending even more of his time on Instagram, etc now he is not at school, post-GCSEs. I'd like to do something similar to what you've done...