Autumn budget: Warrington’s winners and losers

07 Nov 2018

The Government released their budget plans on October 29 with changes being made to a range of money matters that will affect our residents: from pensions and benefits to the minimum wage.

But what do the changes really mean – and it is good news or bad news for you?


Workers will benefit from two changes come April 2019: as the National Living Wage will jump to £8.21 per hour for workers aged 25 and over – that’s 28p better off per hour. Under-24s will get £7.70 per hour and under-20s £6.15. Apprentices will get an extra 20p an hour – with pay rising to £3.90 an hour.

Meanwhile the amount you can earn before you start paying tax – known as your ‘personal allowance’ – will increase by £650 to £12,500.

Drinkers and smokers

January 2019 may be the time to make those over New Year’s resolutions to ditch the cigarettes and take it easy on the booze, as the amount of tax is set to rise: high-strength cheap cider and bottles of wine are set to increase in tax as of February -whereas tobacco has already gone up in tax following the budget announcement  with a pack of 20 cigarettes experiencing an average of 28p extra tax. Spirits won’t be affected by the tax increases.  

Universal Credit (UC) recipients

The good news: the Government is responding to many of the concerns that have been expressed by recipients and money experts by making changes to UC. This includes:

  • Increasing the work allowance for those with children or classed as sick by £1000 per year – that’s around £85 per month.
  • Two weeks of support will be offered during the transition to Universal Credit for new recipients.
  • The maximum rate of debt recovery will fall from 40% to 30%, which will mean less money can be taken away from claimants for debts they owe
  • Only earnings spikes that are above £2500 will have implications to your UC
  • Additional protections to claimants, including enhancements to the protection of claimants moving onto UC, additional support for non-parental carers and adopters and enhanced protections for those currently transitioning from Severe Disability Premium into UC.

The bad news? Some of these improvements don’t start until 2021 – with the earliest change starting October 2019. For those wishing to see the end of UC, unfortunately the Chancellor Phillip Hammond, who sets the country’s budget, said “Universal Credit is here to stay”.

Not sure how the budget will affect your finances? Get in touch with our Money Advice Officer Steven for a free chat: or 01925 246810


“Thank you so much for your help in getting me set up in my new home” 

Anonymous – WHA Resident

“We’re really grateful for the excellent service we received from Warrington Housing Association’s Money Adviser and the extra money has made a big difference, helping us hire a gardener and be able to go to LifeTime more often where we enjoy singing in the choir”

Mr & Mrs Holland – WHiA Customers

“I’m so grateful to Warrington Housing Association for reaching out to me to make sure I’m claiming my full benefit entitlements”

Ms Heseltine – WHA Resident

“We couldn’t have navigated the benefits system without the fantastic help we received from Warrington Housing Association’s Money Adviser”

Andrew & Eileen – WHA Residents

“I felt like a big weight had been lifted off my shoulders and that I had somebody on my side”

Barbara, WHA resident

Warrington Housing Association 

Contact Us

Tel: 01925 246810
Fax: 01925 246814

Warrington Housing Association, the Gateway, 89 Sankey Street, Warrington, WA1 1SR