Hmm, perhaps my plan needs a little re-think. OK, from a particular date, child benefit from whichever source should only be paid for the first two children. There's not a lot that can be done for all those who have already had a shed load, but it's not difficult to avoid having children.
Perhaps I'm a little biased as we don't have any children, but that was by choice based on the fact that Mrs. Beard and I met quite late on in life and by the time we would have been able to sort everything out and been in a financial position to have kids it was too late to have them safely.
No-one we know who is what I would consider as being a "responsible parent" has a large number of offspring. They have all struck what they consider to be a balance, namely a small enough number of children to enable them to feed and clothe them adequately, take them on holiday and not have them living in the kind of conditions that some kids I knew while growing up, namely 3 or 4 to a bedroom and often 2 or 3 to a bed. Thankfully that was towards the end of the period of large families the parents couldn't afford to look after properly. Sometimes this was because of religious belief and sometimes it was because of ignorance, but now there are no excuses and no valid reasons, except one, the benefits system allows some people to earn amounts they would never be able to without the DSS.
Child Benefit isnt the issue here, its a pittance compared to Social Security and Housing Benefit - getting the rent paid on a private rental can be as much as £1000 a month+. I saw on the local news last month that one immigrant family who were asylum seekers had a £2,500 a month apartment in central London because the local authority couldnt find anywhere else ' suitable'. Also, everyone with a child is entitled to CB. Someone earning £100K a year can get CB, all you need for that is a child. Princess Di would have been entitled to it!
When you claim Social Security, there is a calculation that takes into account the amount of people, ages and existing income. Child Benefit is classed as income so if you get £15 a week CB then you get £15 a week LESS Income Support so stopping Child Benefit wouldnt change the bottom line because if you didnt get it then you would get more Income Support.
There is also a lot of manipulation that goes on with the unemployment figures. The number of people who are classed as 'unemployed' at any given time are the ones who are signing on and getting JSA. People on Income Support dont have to sign on as they are not classed as 'available for work' and are therefore not considered 'unemployed'. So the figures are actually far higher than many people think.
There needs to be a cap on how much private landlords can charge to take DSS tenants, that is widely exploited, also the 'bed and breakfast' hotels for people awaiting council housing. This alone costs the local authorities more than twice as much per family as it would to get a mortgage and buy them a house. It also holds the families in a position where they are trapped on benefits as its very hard to find a job when you live in temporary housing, you have childcare to arrange and the rent is sky high. In London, families are left in these places for YEARS before they get housed. These may not be huge families they may be young unmarried mums with one child but it all adds up.
In many cases, and Im not saying this is right, but the fact is that many people, esp single parents can easily work 40 hours a week and not only hand over pretty much all they earn to a childminder, but only end up £15 - £20 a week better off than they would have been staying at home on the social. While someone else sees more of their kids than they do. Putting a baby in a day nursery in London is upwards of £150 a WEEK before you have paid the rent, bought food etc.
There are huge flaws in the whole system and millions could be saved without even touching CB or allowances for each child.