Check out the latest updates from Martin Lewis about the Autumn Budget as we look at what it means for parents and families in the United Kingdom. Our experts break down the latest guidance from Martin Lewis and we talk about the key points for families to help you to save money.
Martin Lewis Budget 2025 Review for Families and Parents
Martin Lewis has provided his usual commentary on Chancellor, Rachel Reeves Autumn Budget 2025, and what it means in simple terms for UK households. In this latest tax news, our family tax experts look at the response from Martin Lewis and what it means for parents and families around the country. This article provides some extra clarity to support working families who have clearly amongst the worst affected by the Autumn Budget.
There are lots of key points for families to think about from Martin Lewis’s budget response, and it’s more important than ever to maximise your household budgets. We also know that Rachel Reeves contraversial budget has dished out a host of tax increases and extra costs for working families who have beared the brunt of this shambles.
Key Points: Martin Lewis Autumn Budget 2025 guide for families.
- Income Tax and National Insurance thresholds are frozen from April 2028 until April 2031. This pulls more earnings into tax as pay rises over time. See the official policy note at HMRC’s site for exact thresholds and dates, and the OBR’s forecast on how many extra people are dragged into tax bands.
- Cash ISA limit for under‑65s will fall to £12,000 from 6 April 2027, within the unchanged £20,000 overall ISA allowance. Over‑65s keep a £20,000 cash ISA cap.
- Tax on savings interest, dividends and property income will rise. Dividend rates increase by 2 percentage points from April 2026. Savings and property income rates increase from April 2027.
- From April 2028, electric car drivers are set to pay around 3p per mile and plug‑in hybrid drivers 1.5p per mile, alongside existing Vehicle Excise Duty. A consultation is under way on the design.
- Energy bills are due to fall by about £150 a year on average from April 2026 as certain policy costs move off bills and into general taxation.
- State Pension will rise by 4.8% in April 2026 under the triple lock. Minimum wage goes up in April 2026. Universal Credit standard allowance rises by 6.2% and other working‑age benefits by 3.8% from April 2026.
- The two‑child limit in Universal Credit is to be scrapped from April 2026.
- Regulated rail fares in England are frozen for one year from March 2026 to March 2027; NHS prescription charges in England remain £9.90 for 2026‑27.
- A new High Value Council Tax Surcharge applies in England from April 2028 to homes valued £2m+ at set flat annual amounts.
- Help to Save becomes permanent and will extend to more Universal Credit claimants from April 2028.
- Salary sacrifice National Insurance relief for employee pension contributions will be capped at £2,000 a year from April 2029.
- Customs duty relief on small parcels worth £135 or less will be removed by March 2029 at the latest, which could increase costs for some cross‑border online purchases.
This guide translates the Martin Lewis budget headlines into practical money saving tips and steps for parents. You’ll find timelines, worked cost examples, and a clear to‑do list to help you plan pay rises, childcare costs, savings choices, student loan repayments, motoring and household bills.
Where it’s appropriate and useful, we link to authoritative sites like GOV.UK, Ofcom, the NHS and the Office for Budget Responsibility so you can double‑check the details if you require further information. Below we break down each change, with dates, numbers and parent‑focused tips.
Martin Lewis Budget timelines for families
Introduced in April 2026
- Average energy bills cut by about £150 a year as the Energy Company Obligation ends and 75% of Renewables Obligation costs shift to taxation. Policy detail: Department for Energy Security and Net Zero explains the breakdown and timing, with links to Ofgem’s cap process.
- State Pension uprated by 4.8% under the triple lock. The Chancellor and DWP have set out the figures and confirmed a simplification from 2027‑28 so pensioners with only State Pension do not need to settle small tax bills via Simple Assessment.
- National Living Wage for age 21+ rises 4.1% to £12.71 an hour. The Low Pay Commission has published the rates and the government acceptance of its recommendations.
- Universal Credit standard allowance rises by 6.2% and most other working‑age benefits by 3.8%. Scotland and Northern Ireland may diverge where powers are devolved.
- Two‑child limit in Universal Credit removed from April 2026. See the government’s impact paper on poverty reductions for families.
- Regulated rail fares in England frozen for one year from March 2026 to March 2027. The Budget document confirms the timing and scope.
- Prescription charges in England frozen at £9.90 for 2026‑27. See HM Treasury’s statement and NHS pages on prepayment certificates.
- Plan 2 student loans: the repayment threshold moves to £29,385 in April 2026, then is frozen in England for 2027‑2030. Department for Education and HMRC pages carry threshold detail and employer guidance.
- Dividend tax ordinary and upper rates increase by 2 percentage points from April 2026.
Introduced in April 2027
- Cash ISA limit for under‑65s falls to £12,000, within an unchanged £20,000 overall ISA limit. The HMRC November newsletter confirms the new cap and that over‑65s keep a £20,000 cash ISA allowance.
- Higher tax on savings interest and on property income: savings basic, higher and additional rates rise to 22%, 42% and 47%; separate property income rates are set at 22%, 42% and 47%. See the HMRC technical note for scope and ordering of allowances.
Introduced in April 2028 and beyond
- Electric vehicles: mileage‑based charge proposed at 3p per mile for battery EVs and 1.5p per mile for plug‑in hybrids, in addition to VED. Government has opened consultation on implementation; industry commentary and the RAC Foundation note the consultation runs into March 2026 and that mileage would be self‑declared and reconciled against MOT readings.
- High Value Council Tax Surcharge in England on homes worth £2m+ in 2026 valuations. Annual flat charges of £2,500, £3,500, £5,000 or £7,500 depending on value band, uprated by CPI from 2029‑30. HM Treasury’s factsheet explains liability and five‑year revaluations.
- Help to Save made permanent and eligibility expanded from April 2028 to more Universal Credit claimants who receive the child or caring element.
- Income Tax and National Insurance thresholds remain frozen from April 2028 to April 2031. HMRC’s policy paper sets the legal details, and the OBR’s November 2025 Outlook explains how many extra taxpayers are pulled into basic, higher and additional rates by 2029‑30.
- Salary sacrifice pension National Insurance relief capped at £2,000 per employee per year from April 2029. HM Treasury has published how it will work for employees and employers.
- Customs duty relief on sub‑£135 imports removed by March 2029 at the latest, with a consultation under way on the new arrangements.
Household bills and everyday costs
Energy bills: around £150 off from April 2026
The government will stop funding the Energy Company Obligation via bills after 31 March 2026 and move most of the Renewables Obligation cost off electricity bills and into taxation for three years. The Department for Energy Security and Net Zero explains the measures, their modelling and how Ofgem’s price cap for April to June 2026 will incorporate the change. If you are on a fixed tariff, the official guidance says suppliers are expected to pass these savings on from April 2026. See the government’s explainer on energy bill changes.
Parent tip: if your tariff ends before April 2026, compare fixed vs variable deals with an eye on the April cap update. Check eligibility for the Warm Home Discount and for any local energy grants via your council.
Transport: rail, fuel and EVs
- Rail fares in England are frozen for one year from March 2026 to March 2027. That covers regulated fares such as season tickets, peak returns for commuters and many off‑peak tickets. See the Budget 2025 document for scope.
- Fuel duty remains at the current level, with the temporary 5p cut extended to the end of August 2026 and a staged reversal from September 2026 to March 2027. See HM Treasury’s summary in the Budget report.
- Electric vehicle pay‑per‑mile from April 2028: proposals point to self‑declared annual mileage, payment up front or monthly, and an end‑year reconciliation using odometer readings, with no location tracking. The RAC Foundation notes the consultation is open and describes the model; you can read policy commentary and updates as they emerge.
| Vehicle | Proposed rate | Typical annual cost |
|---|---|---|
| Battery EV | 3p per mile | £240 a year at 8,000 miles |
| Plug‑in hybrid | 1.5p per mile | £120 a year at 8,000 miles |
Illustrative costs. The final design is subject to consultation.
Parent tip: if you drive an EV, start logging annual mileage now to budget. For longer family trips, factor in both charging and any future mileage levy to compare EV running costs fairly with petrol or diesel. For policy background and consultation links, see the RAC Foundation’s Budget note.
Prescriptions and NHS costs
In England the single prescription charge remains £9.90 for 2026‑27 and the price of 3‑month and 12‑month prepayment certificates is frozen too. See the Treasury statement and NHS pages on help with prescription costs. Prescriptions remain free in Scotland, Wales and Northern Ireland.
Income, benefits and childcare
Minimum wage in April 2026
The National Living Wage for age 21+ increases to £12.71 an hour from 1 April 2026. The rates for younger workers and apprentices also rise. See the Low Pay Commission’s announcement at GOV.UK. If you employ a nanny or cleaner, make sure your payroll reflects the new rates by the first April payday.
Universal Credit uprating and the two‑child limit
Universal Credit standard allowance rises by 6.2% from April 2026, with most other working‑age benefits uprated by 3.8%. From April 2026, the two‑child limit in Universal Credit will be removed. The government’s own analysis projects large poverty reductions for children, and you can read the impact note on GOV.UK.
Martin Lewis — MSE founder & chair
The Government has announced it’s ending the two‑child benefit limit, but there’s a lot of confusion about what it is:
Note: the quote above is Martin Lewis’s plain‑English explainer and it reflects the mechanism being ended. For the policy record and poverty modelling, rely on the DWP paper linked earlier. For Child Benefit rules and clawback, go to the official Child Benefit page.
Help to Save scheme is to be permanent
Help to Save, which pays a 50% bonus on the highest balance over each two‑year period, will be made permanent. From April 2028, eligibility expands to Universal Credit claimants who receive the child or caring element. The Budget document confirms the reform; you can check current eligibility and how bonuses work at GOV.UK, and keep an eye on the HMRC newsletters for the new rules as they are legislated.
Taxes, savings and home ownership
Threshold freeze to 2031: why it matters for parents
Income Tax and National Insurance thresholds will remain unchanged from April 2028 to April 2031. Freezing thresholds while wages rise is sometimes called a stealth tax. The OBR’s November 2025 analysis shows that, compared with the path where freezes ended in 2028, by 2029‑30 an extra 780,000 people are pulled into paying Income Tax at all and an additional 920,000 into higher rate. You can read the OBR’s Economic and Fiscal Outlook and HMRC’s policy note on the freeze at GOV.UK.
Parent tip: if one partner is close to the 40% band and the other has headroom in the basic rate band, consider moving taxable savings into the lower earner’s name and making use of the Personal Savings Allowance and the Starting Rate for Savings where eligible.
Cash ISA cap change and saving strategy
From 6 April 2027, the most that savers under 65 can put into a cash ISA each year will be £12,000. The overall adult ISA allowance remains £20,000, so the remaining £8,000 can go into a stocks and shares ISA. Over‑65s keep the £20,000 cash ISA allowance. See HMRC’s Tax‑free savings newsletter for the official wording.
- Short‑term safety pot: if you prefer cash for your emergency fund, prioritise filling the £12,000 cash allowance from 2027 onwards, then use a stocks and shares ISA for any extra you can set aside for at least 5 years.
- Junior ISAs: the £9,000 annual JISA limit remains unchanged. Useful for long‑term child savings.
- Lifetime ISA: the government will consult in early 2026 on a new, simpler ISA product for first‑time buyers to replace the LISA for new savers. Watch for consultation outcomes on GOV.UK.
Higher tax on savings, dividends and property income
| Income type | Current | From | New | Where to read more |
|---|---|---|---|---|
| Dividends ordinary rate | 8.75% | 6 Apr 2026 | 10.75% | HMRC policy paper |
| Dividends upper rate | 33.75% | 6 Apr 2026 | 35.75% | As above |
| Savings income | 20%, 40%, 45% | 6 Apr 2027 | 22%, 42%, 47% | Technical note |
| Property income | Aligned with main rates | 6 Apr 2027 | Separate rates 22%, 42%, 47% | As above |
Parent tip: shelter as much as possible in ISAs before April 2027 and consider timing any large dividend payments. For rental income, check how the new property rates interact with mortgage interest relief rules and your overall tax band.
Chat with a Family Tax Expert
High Value Council Tax Surcharge in England from April 2028
This is a national surcharge on owners of properties valued at £2m or more in 2026, payable in addition to normal council tax and uprated by CPI after 2029‑30. The government factsheet sets out valuation, liability and bands at GOV.UK.
| Home value band | Annual surcharge |
|---|---|
| £2.0m – £2.5m | £2,500 |
| £2.5m – £3.5m | £3,500 |
| £3.5m – £5.0m | £5,000 |
| £5.0m+ | £7,500 |
Student loans and family budgeting
If you or your partner have a Plan 2 loan (most who started between 2012 and 2022 in England), you repay 9% of earnings above the threshold. The threshold rises to £29,385 in April 2026 and is then set to be frozen in England for three years from April 2027. The Department for Education and HMRC employer guidance explain the thresholds and deduction rules. See HMRC guidance for employers and the latest threshold notice from the Student Loans Company on GOV.UK.
Parent tip: if you are close to the threshold, salary sacrifice to pension can reduce repayments, but from April 2029 only the first £2,000 of employee contributions via salary sacrifice will be exempt from National Insurance. Read the government’s explainer on the new cap at GOV.UK.
Telecoms bills: government pressure on mid‑contract price rises
The Chancellor and the Secretary of State for Science, Innovation and Technology have written to Ofcom about mid‑contract price rises and transparency, following high‑profile increases. The government’s correspondence is published on GOV.UK. Ofcom already bans inflation‑linked percentage rises in new contracts from 17 January 2025 and requires any rises to be set out in pounds and pence upfront. See Ofcom’s consumer protection update at Ofcom.
Parent tip: if your provider notifies a rise larger than your contract stated, check whether you have a 30‑day right to leave without penalty and compare social tariffs if you receive certain benefits.
Buying from overseas retailers
The government will remove customs duty relief on low‑value imports at £135 or less by March 2029 at the latest. A consultation is open on how the new system will work, including data requirements and whether an administrative fee is needed. See HM Treasury’s consultation.
Parent tip: when ordering from global platforms, factor in potential duties and delivery fees. For school kit, shoes and basics, a local price check could save time and returns hassle as the rules evolve.
Martin Lewis Autumn Budget review FAQ’s for families
Will my family pay more Income Tax because of the freeze?
Possibly. If your pay increases between April 2028 and April 2031, more of it will be taxed at 20% and, if you cross thresholds, at 40% or 45% because the bands are not moving with inflation or wages. The OBR’s November 2025 Outlook shows the effect in the aggregate. To mitigate, make sure both partners use available allowances, consider pension contributions, and keep an eye on Child Benefit High Income Charge thresholds if one partner’s income approaches £50,000.
How should we adjust our savings before the cash ISA cap falls in April 2027?
If you are under 65 and rely on cash ISAs, consider maximising the £20,000 allowance in 2025‑26 and 2026‑27. From April 2027 you can still put £12,000 into cash and up to £8,000 into a stocks and shares ISA if appropriate for your timeframe. Keep an emergency fund in cash, then invest excess for 5 years or more to reduce inflation risk. Over‑65s keep a £20,000 cash ISA allowance.
We have an electric car. How will the pay‑per‑mile work with family holidays?
Under the proposal, you would estimate annual mileage when taxing the car, pay by direct debit or in full, then reconcile at the next renewal using the odometer reading. All recorded mileage would count. If you drive 8,000 miles a year, budget about £240 at 3p per mile. The final rules are subject to consultation; follow updates via the RAC Foundation and the Budget page on GOV.UK.
Does scrapping the two‑child limit affect Child Benefit?
No. Child Benefit remains separate and is still subject to the High Income Child Benefit Charge if either partner’s adjusted net income is above the relevant threshold. The removal of the two‑child limit affects how the child element within Universal Credit is calculated from April 2026. For official Child Benefit guidance, see GOV.UK.
What if we are on a fixed energy tariff when the £150 saving kicks in?
The government says suppliers are expected to pass savings on from April 2026, including for customers on fixes. Check your supplier’s communications in early 2026 and keep a screenshot or letter for your records. The official energy bills explainer is on GOV.UK.
Will NHS prescription savings help if we need regular medicines for the kids?
In England, most children get free prescriptions. For adults who pay, freezing the £9.90 charge helps. If you need multiple items, a Prescription Prepayment Certificate often saves money. Check eligibility and costs at the NHSBSA page on help with prescription costs.
We are saving for a first home. What happens to the Lifetime ISA?
The government plans to consult in early 2026 on a new first‑home product to replace the LISA for new savers. Existing LISA rules continue for now. Keep an eye on the Budget page for the consultation launch and confirm how any transition will work before changing provider or product.
What can parents do now to save money in the future?
- Before April each year update your household tax plan. Use HMRC’s thresholds page to see if pay rises will push you into a new band. Consider pension contributions and ISA allocations to manage tax.
- By April 2026 review your energy tariff. Note the government’s policy change and ask your supplier how your fixed or variable tariff reflects the saving. Explore the Warm Home Discount if eligible.
- For 2026‑27 confirm the National Living Wage rise is reflected in any childcare or household help payroll. If you employ directly, check minimum wage rates.
- Before 6 April 2027 consider maximising ISA allowances under today’s £20,000 cash cap if you are under 65, then plan to split between cash and stocks and shares from 2027.
- Student loans if on Plan 2, model repayments once the threshold freeze bites from April 2027. HMRC and the SLC have calculators and threshold tables.
- Telecoms contracts when upgrading your family’s mobile or broadband, check that any price increases are stated in pounds and pence. If rises exceed what you agreed, use your 30‑day cancellation right where applicable. See Ofcom’s rules.
- EV ownership start tracking mileage now. Keep MOT certificates and service invoices together as they will likely support annual mileage reconciliation from 2028.
- Help to Save check eligibility at GOV.UK and plan to use the permanent scheme, especially if you receive the Universal Credit child or caring element from 2028.
- Overseas shopping watch the customs consultation and factor potential duty into buying decisions for clothes, shoes and gadgets for the kids.
Official sources of data and the numbers behind the Budget
- Budget 2025 main document: HM Treasury
- Energy bills policy change: DESNZ explainer
- State Pension and Pension Credit uprating: Budget text and DWP written statement on 26 November 2025
- Minimum wage rates for 2026: Low Pay Commission
- ISA rule changes and savings tax: HMRC newsletter and HMRC policy paper
- Universal Credit two‑child limit removal: Impact paper
- EV pay‑per‑mile consultation background: RAC Foundation
- High Value Council Tax Surcharge: Factsheet
- Prescriptions freeze: NHSBSA help with costs and HM Treasury statement
- OBR Economic and Fiscal Outlook November 2025: OBR
- Telecoms rules and government letter: Ofcom and ministerial letter
- Customs duty on low‑value imports: HM Treasury consultation
Summary: Martin Lewis Autumn Budget guidance for 2025
The Autumn Budget 2025 tilts the system so that unearned or less‑taxed income pays more, while freezing thresholds to raise revenue as wages rise. For parents, the removal of the two‑child limit in Universal Credit and the energy bill cut are significant positives. The flipside is higher tax on savings and a frozen tax drag for several years. Use the window before April 2027 to optimise ISAs, tidy taxable savings, and plan for student loan thresholds and EV running costs. Most importantly, revisit your family budget each spring with the timeline above and make sure you are using every support you can legitimately claim.
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Other questions from parents about Martin Lewis Budget review 2025
What should parents prioritise after the Autumn Budget 2025?
Start with a quick annual checklist tied to the key dates in the article:
- By 1 April 2026 review energy tariffs so the £150 average bill reduction is reflected, and ensure any household help you employ is paid the higher National Living Wage from April 2026.
- From April 2026 check your Universal Credit position if you receive it, because the two-child limit is removed from that date.
- Before 6 April 2027 consider using the current ISA rules, then plan for the £12,000 cash ISA cap for under 65s from 2027 while keeping the overall £20,000 ISA limit in view.
- From April 2028 prepare for EV mileage charging proposals and the High Value Council Tax Surcharge where relevant.
- Each spring revisit tax bands, savings choices and student loan deductions so you are ready for the threshold freeze that runs to April 2031.
How do frozen tax thresholds interact with Child Benefit, and can we reduce any charge?
Freezing Income Tax thresholds between April 2028 and April 2031 means more families will see larger slices of pay taxed at higher rates over time. If one partner’s income brings Child Benefit into the High Income Child Benefit Charge, you can often reduce the charge by lowering adjusted net income. Common ways to do this include making pension contributions, using Gift Aid, and moving taxable savings into the lower earner’s name so family allowances work harder. Always check the current Child Benefit and charge rules before acting because thresholds and calculations can change. See the official guidance at GOV.UK.
What is a smart ISA plan for couples before and after April 2027?
In 2025 to 2026 and 2026 to 2027, many under 65 savers will want to consider maximising the current £20,000 cash ISA option if that suits their risk profile. From 6 April 2027, under 65s can pay up to £12,000 into cash within an unchanged £20,000 overall ISA limit, with the remainder available for a stocks and shares ISA. Over 65s keep a £20,000 cash ISA cap. For couples, a common approach is:
- Build an emergency fund in cash inside each partner’s ISA to the new £12,000 cash limit from 2027.
- Use any remaining allowance for long term investing where you can leave the money for at least five years.
- Do not forget Junior ISAs for children, which remain a useful wrapper for long term saving.
For rule wording and updates, see HMRC’s newsletter referenced in the article: Tax free savings newsletter.
How much extra tax might we pay on savings and dividends after the rate rises?
Rates on dividends increase by 2 percentage points from 6 April 2026, and the main savings rates rise from 6 April 2027. The impact depends on your band and how much income sits outside allowances. Two simple illustrations:
- From 6 April 2027, a basic rate payer with £600 of taxable bank interest above any allowances would owe £132 at 22 percent.
- From 6 April 2026, £2,000 of taxable dividends above your allowances at the ordinary rate would incur £215 at 10.75 percent.
Shield as much as you can inside ISAs and consider the timing of any large dividend payments. See HMRC’s policy paper for scope and bands: changes to tax rates for property, savings and dividend income.
How will the EV pay per mile proposal be collected and what records should we keep?
The proposal from April 2028 is for drivers to estimate annual mileage when taxing the vehicle, pay monthly or upfront, then reconcile against the odometer at renewal. No location tracking is proposed in the model described in the article. Good housekeeping helps:
- Photograph your odometer on renewal day and file MOT certificates together.
- Track family trip mileage so you can budget for holidays accurately alongside charging costs.
- Watch the consultation updates via the Budget page and the RAC Foundation: Budget 2025 and RAC Foundation.
Will the High Value Council Tax Surcharge apply to second homes and how do we check the valuation?
The surcharge in England is an additional, national charge based on a property’s 2026 valuation if it is £2 million or more. It applies in addition to your usual council tax whether the home is your main residence or a second home. Start by reviewing the bands and liability rules, then keep evidence of any recent professional valuations, major works or market changes in case you need to query the band. The government factsheet is a good first stop: High Value Council Tax Surcharge.
Can both partners open Help to Save and how do the bonuses work in practice?
Yes, each partner can open their own Help to Save if individually eligible. Bonuses are paid on the highest balance achieved in each two year period, not on the amount you most recently paid in. A quick example shows the mechanism:
- If you build your balance to £960 over the first two years and never let it drop, the first bonus would be £480 which is 50 percent of £960.
- In years three and four, if your highest balance rises to £1,600, the second bonus would be 50 percent of the increase over your previous high balance which would be £320.
Check who qualifies now, and note the expansion from April 2028 for some Universal Credit claimants as described in the article. Full details are on GOV.UK.
What does the £2,000 cap on salary sacrifice National Insurance relief from April 2029 mean for pensions?
From 6 April 2029, the employee NI saving you get through pension salary sacrifice will be capped at £2,000 a year. The contribution itself can still be larger, but the NI advantage stops once you have saved £2,000 in NI for that tax year. A simple sense check:
- If your salary sacrifice pension contribution would normally save £1,500 of employee NI in a year, nothing changes because you are beneath the cap.
- If it would have saved £2,600, the saving will be limited to £2,000 and the extra £600 NI saving will not apply.
Consider the mix between salary sacrifice and personal contributions, and speak to your employer about whether they share any employer NI saving into your pension. See the government explainer: changes to salary sacrifice for pensions from April 2029.
How will the student loan threshold changes affect take home pay for Plan 2 borrowers?
For Plan 2 loans, you repay 9 percent of earnings above the threshold. The threshold rises to £29,385 from April 2026, then is frozen in England for three years from April 2027. As an illustration for 2026 to 2027, if you earn £35,000 you would repay 9 percent of £5,615 which is about £505 over the year, normally collected through payroll. If your pay then rises while the threshold is frozen, your annual repayments would also increase. See HMRC’s employer guidance and the latest threshold notice on GOV.UK.
What are our rights if our broadband or mobile price rises mid contract?
For contracts taken out on or after 17 January 2025, Ofcom bans inflation linked percentage rises and requires any future rise to be shown upfront in pounds and pence. If your provider increases prices beyond what your contract clearly allowed, you will usually have a right to leave without penalty within 30 days of being told. Families on certain benefits should also compare social tariffs. Read Ofcom’s consumer update: Ofcom guidance.
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>>> META DESCRIPTION <<< Autumn Budget 2025 explained for parents: tax threshold freeze to 2031, cash ISA cap cut, EV pay‑per‑mile, £150 off energy, UC changes.
