Recurring digital payments have quietly become a fixed feature of household finances across the UK, Europe and the United States. For revenues and benefits services, understanding their scale, their cross-national consistency — and their ambiguous status as essential or discretionary spending — is becoming increasingly relevant. Revenues & Benefits Intelligence · Briefing Note The Scale…
Category: Finance
Independent R&B Monday Discussion Group: Spring Statement review: what revenues and benefits practitioners heard beneath the headlines
The latest Independent Revenues and Benefits Monday Discussion Group took the Chancellor’s Spring Statement as its starting point and asked a simple question: what does it really mean when viewed from the frontline of local government? The answer from practitioners was clear enough. However upbeat the national presentation may have sounded, the local picture still…
Briefing note: fiscal and economic context and what it means for local tax, welfare support and local government finance (March 2026)
Purpose To set out a single, joined up view of the national economic and fiscal outlook, and the practical implications for council tax, council tax reduction (CTR), local welfare support (including DHP and crisis type schemes), benefits and social security, business rates, housing, local government finance, and local government reorganisation (LGR). This note draws on…
Independent R&B Discussion Group: Benefits, Work and the Future Workforce
At the latest Independent R&B Monday Discussion Group, chaired by Malcolm Gardner, members took a deep dive into the stubborn issue of unclaimed benefits, the challenges of Universal Credit, and the shifting dynamics of the local government workforce. Billions Unclaimed Malcolm opened with the headline finding from Policy in Practice: £24 billion in benefits goes…
Mid-Break Highlights from the Independent Revenues & Benefits Discussion Group
1 September 2025 We’re on our summer pause, so instead of a live session this week we’ve shared the second mid-break slide pack. It’s a chance to catch up on what’s happening across revenues and benefits while we recharge. We’ll be back together on Monday 8 September. So, what’s inside this week’s pack? Plenty to…
Local Government’s Breaking Point: Financial Fragility, Workforce Decline, and the Failure to Focus on Outcomes
Summary of the Independent Revenues & Benefits Discussion Group – 14 July 2025 At the most recent Independent Revenues & Benefits (R&B) Discussion Group, chaired by Malcolm Gardner, local government professionals gave a sobering assessment of the sector’s current state. With escalating financial deficits, an ageing and shrinking workforce, and new pressures from political reforms,…
Independent R&B Discussion Group: Spending Review Analysis
The latest meeting of the Independent R&B Discussion Group, chaired by Malcolm Gardner, convened to discuss the recent Spending Review and its implications across government departments, local authorities, and welfare provision. The session included detailed contributions from a range of experts: Paul Howarth, Gareth Morgan, Alex Clegg, Rachael Walker, Sean O’Sullivan, Robert Fox, and Bob…
31/03/25 Spring Statement Sparks Concerns over Welfare Cuts and Public Service Viability
Spring Statement Sparks Concerns over Welfare Cuts and Public Service Viability The UK government’s recent Spring Statement, delivered amid warnings of economic uncertainty, has prompted serious concern among local government leaders and policy experts. As outlined during the Independent R&B Discussion Group on 31 March 2025, the policy direction—particularly in relation to welfare reform and…
VN Monday Discussion Group 4/11/24 The Autumn Budget
On 4 November 2024, the Independent R&B Discussion Group met to examine the latest budget and its implications for local services, public spending, and policies affecting welfare and business rates. Led by Malcolm Gardner, the session provided detailed insights from experts in local government finance and welfare, with a focus on emerging policies and the…
The Impending End of the Household Support Fund: A Crisis for Families on Low Incomes and Local Economies
As the UK grapples with the economic aftershocks of the COVID-19 pandemic, rising inflation, and a turbulent global economy, the impending end of the Household Support Fund (HSF) presents a looming crisis for families on low incomes and local economies across the country. The £820 million hardship scheme, administered by local councils, has been a…