I do think it is bonkers that Kensington and Chelsea, with its high number of extremely wealthy foreign residents ( chiefly Russians I believe) has a lower rate of council tax than where many of us live. And I agree gillybob that those on a fixed income must be finding it harder and harder to make ends meet, not just those on retirement pensions like your DF, but many public service employees such as teachers, nurses etc have had little or no payrise for 8 yearsnow I think, although no doubt someone will come along with the correct figures soon. I am glad you live in your little bubble Norah and can give such sound advice to people such as gillybob and you are obviously expert in NICs and self employment. You must be such a help to others. I too run a small business with 7 employees, everyone gets an annual rise apart from me, I get paid last, I am considering selling up to be honest as I am breaking the minimum wage regulation with myself 