Britain needs a break: This year will be a rough ride for millions... the 政府 has a 義務 to help, says BEN WILKINSON

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The 運命／宿命 of the 政府 this year could 井戸／弁護士席 be 決定するd 純粋に by how much money we have left in our pockets.

Make no mistake, 2022 is going to be a rough ride for millions of 世帯s up and 負かす／撃墜する the country.

Middle and low-income families who have struggled through the pandemic are about to be clobbered by 税金 引き上げ（る）s and 急に上がるing 公共事業（料金）／有用性 法案s.

圧力: Middle and low-income families who have struggled through the pandemic are now about to be clobbered with 税金 引き上げ（る）s and 急に上がるing 法案s

We 直面する a 有毒な mix of a new 国家の 保険 徴収する, higher 会議 税金, 抱擁する energy 法案s and 増加するd mortgage 支払い（額）s.

インフレーション is also 予報するd to 攻撃する，衝突する 6 per cent. Food prices are rising, rail fares are going up ― the 名簿（に載せる）／表（にあげる） goes on. We are 存在 asked to 支払う／賃金 more at a time when our income doesn’t go as far.

Tory MP Craig Mackinlay 警告するd the 総理大臣 this week: ‘選挙s are won and lost in people’s wallets and purses.’

It is no surprise that 労働, 支持するing 税金 削減（する）s, is now 急に上がるing ahead in the 投票s. It was nearly a year ago that （ドイツなどの）首相／（大学の）学長 Rishi Sunak 発表するd that a 一連の 税金 禁止（する）d and allowances would be frozen for five years.

The move was a stealth 税金 （警察の）手入れ，急襲 which will 上げる the 財務省 every year, as 給料 rise to keep up with インフレーション and more of our money becomes taxable.

Then, in 早期に September, Boris Johnson 発表するd a new 1.25 per cent health and social care 徴収する.

Yet, since then, energy prices have ロケット／急騰するd and インフレーション has gone through the roof.

The 税金 （警察の）手入れ，急襲s were going to be hard for many of us to swallow, but they are now looking ますます difficult to 正当化する.

After two relentless years, Britain needs a break. The 総理大臣 and （ドイツなどの）首相／（大学の）学長 must do something to 緩和する the ballooning 重荷（を負わせる） many 世帯s are feeling.

Whether it’s a 削減 of green 税金s on electricity or a 上げる to winter 燃料 支払い（額）s, we need some form of 救済 to help us through what will さもなければ be another 哀れな ― for some, impossible ― year.

Without 介入, many of us will have to rein in our spending, 原因（となる）ing the UK’s 経済的な engine to slow. This is perhaps the last thing that we want as we try to get out of a 財政上の 危機.

In the 合間, there are things you can do to mitigate the 衝撃. Little 貯金 here and there will quickly 追加する up.

投資するing is also a smart way to 保護する your money long-称する，呼ぶ／期間／用語. Our guide to taking that first step on the 株式市場 will help you get started.

If you have 貯金 that you don’t need on 手渡す for at least five years, why not try it? Start small and ride out the rough and smooth until you feel comfortable putting more in.

投資するing is usually profitable in the long run. Now, however, with インフレーション 急に上がるing and 利益／興味 率s paid on 貯金 still pitifully low, you are 保証（人）d to lose out if you don’t give it a go.

Bungling banks

Santander accidentally sent £130 million to its 顧客s on Christmas Day, and is now frantically trying to get it all 支援する.

The error （機の）カム just days after Monzo and 全国的な 顧客s had problems sending and spending their money ahead of the big day.?

One woman’s Christmas dinner order was cancelled because the money did not go through.

It looks as if IT glitches and outages will continue to 原因（となる） banking problems in 2022 and beyond.?

数字表示式の banking has made our lives easier in so many 尊敬（する）・点s. However, these 最新の 大混乱／混沌とした computer problems just go to show that we still cannot rely on it.

I, for one, will be 確実にするing I have cash 利用できる for 緊急s, and 接近 to money with another bank in 事例／患者 数字表示式の 災害 strikes.

b.wilkinson@dailymail.co.uk

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