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No matter what’s going on in your life, something in today’s financial statement from Jeremy Hunt will have a real impact on how much money – if anything – is left for you each month to spend on the things you want.

Sky News has analysed the real budgets of three different households to see whether they end up better or worse off.

Linda Marshall

Linda is going to be better off overall, thanks in part to the continuation of the energy bill price cap, although it might not feel like that, as the government has not extended the Energy Bills Support Scheme.

We’ve not included that in our calculations as it was a planned change rather than anything that came out of today’s announcements.

“We were really relying on that £67 payment, which we’re going to be losing. It’s a lot of money. The cap is good but they’re taking it out with the other hand. I can’t see how I’m going to be better off at all really. I’m gutted,” she told Sky News.

Click here for our budget calculator to see if you are better or worse off

Linda receives a private pension and a Personal Independence Payment (PIP) to help with health issues that forced her to take early retirement in 2017, aged 55.

Linda’s husband Wayne works full-time for an electrical engineering company, and they also receive rent from Linda’s 38-year-old son Anthony, who moved back in last year due to the rising cost of living. Linda also cares for her grandson Jamie for two days in the week, to help out with childcare costs.

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The new energy cap, Linda’s biggest saving, helps all households. When the government first introduced the Energy Price Guarantee it said that at this point it would rise from £2,500 to £3,000, for a typical annual bill, to ease pressure on public funds. It’s now set to stay at £2,500.

Linda is benefiting from an uplift in her disability support payments, however, adding to extra support received last year.

Frozen tax thresholds mean that Linda’s husband will effectively pay an extra £170 in tax next year. As his salary rises with inflation, the amount he can take home before paying tax does not. More on that later on.

Mike Holden

Mike ends up worse off overall. He doesn’t mind so much as he’s in a comfortable situation, but was hoping to hear more support for those struggling.

“My concern is not for myself, I’m comfortably off. If fuel bills stay as they are I can survive, if they go up I can take the hit a little bit. People here [in Burnley] on minimum wage can’t afford to heat their homes or feed their kids.

“I was hoping for more support for those people rather than myself. I will rise over the bumps and I have a retirement coming up in a few years.”

Mike owns his own home and is the landlord for two others. He’s comfortable, but that doesn’t mean he’s immune from rising costs.

“Our day-to-day costs have doubled in the last 12 months, fuel costs have gone up 50%. And Liz Truss’s intervention cost me about £60,000 in lost pension pot,” he said.

Like Linda, he benefits from the energy price cap, but he loses out more from the tax threshold freeze. It will cost him more than £300 in real terms over the next 12 months.

Why is the tax threshold freeze so significant? As inflation rises so, typically, do wages. But in real terms, the value of money becomes less.

£10,000 will buy you about 10% less stuff than it did last year, for example.

In the UK you can earn £12,570 without paying tax. Typically that number, and the number at which you start paying a higher rate of tax (£50,270) rise each year to account for the fact that the money is worth less.

They haven’t this year and that affects all taxpayers, but could cost thousands for higher earners. It’s effectively a stealth tax.

Mike’s main concerns around the budget, however, are for those on lower incomes in his area, who he’s seen struggling to pay for the basics or even to feed their children.

“The stabilisation of the tax rate will cost me a bit of money, but I can tighten my belt a bit. People around here like Lianne don’t have more belt to tighten.”

Lianne Bruce

Lianne will end up better off than last year, mainly thanks to the fuel duty freeze. Her husband Damian is also self-employed, he has a removals company so spends a lot on diesel. Once more though, it doesn’t feel like things are getting any easier.

“It’s really testing times, especially being self-employed. I feel we’re always the ones left behind. You’re trying to do well for yourselves but you’re backpedalling all the time,” she told Sky News.

“The government needs to step up and help the working person. Costs are going up and up and up across the board and they make it sound like – because they’re keeping it at a level rate, not increasing it anymore – they’re doing us a favour, but they’re not. People are struggling.”

Lianne and Damian have a four-year-old daughter who started school this year. They won’t benefit from today’s announcement about childcare support.

Before she started school they paid £100 for two days of childcare a week. Lianne had to go part-time with her work because it was unaffordable to pay for more.

What the family lose from the tax threshold freeze is offset by what they gain from an uplift in child benefit, energy prices and fuel prices.

Fuel duty is the amount of tax that the government charges drivers when they buy petrol. When petrol prices started rising the government lowered the amount of tax it gets, per litre, but planned to raise it back again.

The government announced today that they will no longer do that, which is especially important to Lianne’s husband Damian with his driving-intensive job. Raising the duty as planned would have cost the family over £200 more a year.

Prices are still significantly higher than they were before Russia’s invasion of Ukraine, however.

“People are already at breaking point. For people on the borderline, if things get any worse I dread to think what’s to come,” Lianne added.

Follow more of Sky News’s reaction to the budget on our live page.


The Data and Forensics team is a multi-skilled unit dedicated to providing transparent journalism from Sky News. We gather, analyse and visualise data to tell data-driven stories. We combine traditional reporting skills with advanced analysis of satellite images, social media and other open source information. Through multimedia storytelling we aim to better explain the world while also showing how our journalism is done.

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UK weather: New ice warnings issued and runway closure causes travel delays – as temperatures set to reach -16C

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UK weather: New ice warnings issued and runway closure causes travel delays - as temperatures set to reach -16C

The Met Office has put yellow weather warnings over snow and ice in place from this afternoon covering much of the UK.

It had a number of yellow warnings in place on Thursday across the country, but most were initially set to expire by 11am, with only a snow and ice alert in Scotland remaining until midnight.

But it has now updated its map to show yellow ice warnings for much of the Midlands, North West England, Eastern England, Wales and Northern Ireland from 4pm on Thursday until 10am on Friday, while the snow and ice warning for Scotland has been extended to 10am on Friday.

Weather warnings for Thursday
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Met office weather warnings for Thursday Pic: Met Office

Weather warnings for Friday. Pic: Met office
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Weather warnings for Friday. Pic: Met office

A separate yellow warning for ice is in force from 3am on Friday until 11am, covering South West England and parts of South Wales.

It comes as large swathes of the country deal with disruption caused by the freezing weather, with temperatures expected to fall as low as -16C on Thursday night both in the northeast of England and Scotland, the Met Office has said.

Manchester Airport has warned passengers of delays after temporarily closing its runways due to “significant levels of snow”.

In a statement on Thursday morning, the airport said: “Our runways are temporarily closed due to significant levels of snow, as our teams work hard to clear them as quickly as possible.”

The airport announced its runways had reopened at 10am, but warned “as a result of the earlier closure, some departures and arrivals may still experience delays”.

“The safety of our passengers remains our top priority. Thank you for your understanding and patience,” it added.

Commuters wait for a tram on a snow-covered platform in Manchester.
Pic: Reuters
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Commuters wait for a tram on a snow-covered platform in Manchester. Pic: Reuters

Snow covers a vehicle in Buxton.
Pic: Reuters
Image:
Snow covers a vehicle in Buxton. Pic: Reuters

The A30 in Cornwall was closed westbound between the A3047 junctions Avers and Tolvaddon on Thursday morning following a multiple vehicle collision, according to National Highways, after an amber warning for snow and ice was in place yesterday.

It said at 8.45am that emergency services were at the scene while traffic built on the roads.

Devon and Cornwall Police and Devon County Council Highways had earlier warned of roads closing and motorists being stationary for “long periods of time” in a joint statement.

Snow ploughs became stuck in queues of traffic caused by “minor incidents”, the statement added.

All of the warnings in place across the country are yellow, meaning there is a danger of injury from slips and falls and some disruption to travel expected.

A yellow warning for snow and ice is in place for the following regions from 4pm on Thursday to 10am on Friday:

  • East Midlands
  • North West England
  • Northern Ireland
  • Wales
  • West Midlands

Get the forecast for your area

Icicles hang from the Killhope Lead Mine in Durham.
Pic: PA
Image:
Icicles hang from the Killhope Lead Mine in Durham. Pic: PA

Other yellow warnings which covered much of the country on Thursday morning have now expired.

They included a warning for snow and ice affecting Cornwall, much of Wales and parts of northwest England until 11am, an ice warning for parts of southern England and south-east Wales until 10.30am and a fog warning for Northern Ireland until 9am.

Menston, West Yorkshire
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Menston, West Yorkshire

Snow covers the Killhope Lead Mine in Durham.
Pic: PA
Image:
Snow covers the Killhope Lead Mine in Durham. Pic: PA

Travel disruption to road and rail services are likely on Thursday in the warning areas, as well as the potential for accidents in icy places, the forecaster said.

As icy conditions persist, motorists are being urged to stick to major roads that are most likely to have been gritted.

Car insurer RAC said it has seen the highest levels of demand for rescues in a three-day period since December 2022.

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Stuart Hogg: Former Scotland rugby captain given community payback and non-harassment orders for domestic abuse

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Stuart Hogg: Former Scotland rugby captain given community payback and non-harassment orders for domestic abuse

Former Scotland rugby captain Stuart Hogg has been handed a community payback order and a non-harassment order for abusing his estranged wife over the course of five years.

Hogg, 32, last year pleaded guilty to a single charge of domestic abuse of his ex-partner, Gillian Hogg, between 2019 and 2024.

The sportsman admitted shouting and swearing, tracking her movements and sending her messages which were alarming and distressing in nature.

At Selkirk Sheriff Court on Thursday, he was given a community payback order with one year of supervision and a five-year non-harassment order.

Sheriff Peter Paterson warned Hogg the sentence was an “alternative to custody”.

Former Scotland rugby captain Stuart Hogg arrives at Selkirk Sheriff Court.
Pic: PA
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Hogg arriving at Selkirk Sheriff Court on Thursday. Pic: PA

Former Scotland rugby captain Stuart Hogg leaves Selkirk Sheriff Court.
Pic: PA
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Hogg leaving court. Pic: PA


A court heard how he berated Mrs Hogg for “not being fun” after going on drinking binges with his colleagues, and once sent more than 200 text messages to her in the space of a few hours which caused her to suffer a panic attack.

Hogg had been due to stand trial at Selkirk Sheriff Court last November, but pleaded guilty to the abuse which was said to have taken place at various locations including Hawick in the Scottish Borders and Bearsden in East Dunbartonshire.

Former Scotland rugby captain Stuart Hogg arrives at Jedburgh Sheriff Court to be sentenced after he admitted abusing his estranged wife over the course of five years. Picture date: Thursday December 5, 2024. PA Photo. See PA story COURTS Hogg. Photo credit should read: Owen Humphreys/PA Wire
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Hogg arriving at Jedburgh Sheriff Court in December. Pic: PA

At Jedburgh Sheriff Court in December, he was initially handed the five-year non-harassment order and fined £600 for breaching bail conditions by repeatedly contacting Mrs Hogg last June.

The former Glasgow Warriors and Exeter Chiefs, who plays for French club Montpellier, now lives abroad and is said to be in the process of getting a divorce.

Stuart and Gillian Hogg in 2017. Pic: Stuart Wallace/Shutterstock
Image:
Stuart and Gillian Hogg in 2017. Pic: Stuart Wallace/Shutterstock

Prosecutor Drew Long said the couple moved to Exeter in 2019 with their three young children, who were all under three, but Hogg’s behaviour “deteriorated” as he went out partying.

Mr Long said Hogg would “shout and swear and accuse Mrs Hogg of not being fun” for not joining in drinking, and that her family “noticed a change in her”.

In 2022, Mrs Hogg went on a night out and was bombarded with text messages from the rugby player which “caught the attention of the people she was with”, the prosecutor said.

The following year, the couple moved to Hawick in the Borders, but Hogg used an app to track his wife and “questioned her whereabouts” while she was dropping the children off.

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In 2023, she decided to leave the sportsman and sought advice from a domestic abuse service.

Mr Long said in September of that year, Hogg “sent in excess of 200 texts in a few hours despite being asked to leave her alone”, which led to Mrs Hogg having a panic attack.

On 21 February 2024, police were called due to Hogg “shouting and swearing”.

He was taken into custody and thereafter placed on a bail order stipulating not to contact Mrs Hogg or to enter the family home.

The Crown Office and Procurator Fiscal Service (COPFS) said “no one should have to live in fear of a partner or former partner”.

Lynne Barrie, procurator fiscal for Lothian and Borders, added: “Stuart Hogg has now been convicted and held accountable for subjecting his estranged wife to years of domestic abuse.”

Hogg made his Scotland debut in 2012 and went on to make 100 appearances for his country.

He also made two appearances for the British and Irish Lions and was made an MBE for services to the sport in last year’s New Year Honours list.

Following his guilty plea, Mrs Hogg thanked all those who had shown support.

She praised her family and friends, and also singled out those who had given her “a hi, a smile, a hug or even just a look to show they care”.

Mrs Hogg said she had thought “long and hard” about posting on Facebook, but added: “Now, it’s time to start my next chapter.

“To move on and to keep showing my kids every day that strength comes from unconditional love and support around you, and even when it hurts, love wins.”

Following the court case, Scottish Women’s Aid said coercive control – including stalking and micromanaging how women mother, where they go, what they wear and what they’re allowed to say – can be “more traumatic than a physical assault”.

Dr Marsha Scott, chief executive of the charity, added: “The sentence in this case, like so many handed down in Scotland, hardly meets the test of being proportionate when compared to the harm this man has caused.”

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Liz Truss sends cease and desist letter to Sir Keir Starmer over claims she ‘crashed the economy’

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Liz Truss sends cease and desist letter to Sir Keir Starmer over claims she 'crashed the economy'

Liz Truss’ lawyers have sent a cease and desist letter to Sir Keir Starmer over his claims she “crashed the economy”.

The letter says Sir Keir’s continued claim the former Conservative prime minister crashed the economy with the September 2022 mini budget is defamatory and will “likely continue to cause serious harm to her reputation”.

It focuses on the Labour leader’s claims made in June last year during the general election campaign, and says accusations she crashed the economy were made with the purpose of damaging public opinion of Ms Truss as she stood as a parliamentary candidate.

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Ms Truss, who stepped down as prime minister in under two months in charge, lost the South West Norfolk seat she had held since 2010 to Labour’s Terry Jermy in last year’s election.

Sir Keir’s spokesman said the prime minister has no plans to “moderate his language” based on the letter.

He also questioned whether Ms Truss will be writing to the “millions of people up and down the country” who shared Sir Keir’s view.

More on Liz Truss

The letter also says it is “false” to claim the mini budget crashed the economy and provides details of a definition of “crash of the economy” by Dr Andrew Lilico, an expert from right-wing thinktank the Institute of Economic Affairs and managing director of economic consultancy Europe Economics.

Market movement following the mini budget did not constitute a “crash”, the letter says, and accuses Sir Keir of displaying an “ignorance of basic economics” by doing so.

LETTER
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The letter calls for Sir Keir Starmer to stop saying Liz Truss crashed the economy

Following the mini budget, which included £45bn of unfunded tax cuts, the UK government’s long-term borrowing costs rose sharply by 0.3 percentage points over a day.

The pound then fell to record lows against the dollar, and there was another sharp rise in the cost of long-term government borrowing by 0.5 percentage points after then chancellor Kwasi Kwarteng hinted there would be further tax cuts.

This led to rising mortgage rates, with hundreds of products withdrawn, and an impact on UK pension funds.

Ms Truss’ lawyers blamed the interest rate changes on the Bank of England, “in particular by its poor handling of the liability-driven investment bonds (LDI) crisis, and its regulatory failures”.

It points out the Bank of England is independent of government and says: “Thus the relevant rate changes were not ’caused’ by our client.

“These facts were clear as early as May 2024, if not before.”

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‘Do you take any blame for your premiership?’

The letter argues there was “no rise in unemployment…no sustained loss of wealth”, and no “enduring economic impacts”.

It says Ms Truss and the mini budget did not play “a significant causal role in the financial market volatility of September/October 2022” and said almost everything, in fiscal terms, had been announced before the mini budget.

The letter requests Sir Keir “immediately cease and desist” from repeating she crashed the economy on an “amicable basis”.

“This request is made in the context of the basic levels of civility which is due between senior politicians, and we trust that you will respond accordingly,” the letter says.

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