Understandably, in today’s self-centred and selfish world, the question we all ask of Georgie Chancellor-Boy’s mid-term mini budget the other week, is ‘am I better off?’ The simple answer is no, you’re going to be worse off. Unless you earn over £150,000 a year, that is.

With n’er a concern for the oft quoted ‘all in this together’ line, the chancellor is pressing ahead with the quietly concealed cut in the highest rate of tax from 50% to 45% on earnings above £150,000. Those individuals, including both himself and his lord & master, stand to benefit from a reduction in their 2013-14 tax bill of somewhere in the region of £5000. Nice work if you can get it.

And just the day before this shocking action (shocking also, in terms of the clear message it sends to one and all) the Office for National Statistics revealed a picture of an increasingly ‘make do & mend culture, which in itself is no bad thing, where less is spent on food, fuel & furniture. Now in their sixth year of personal spending cuts, and with the things that really matter dramatically rising much faster than earnings, there appears to be no end in sight. Certainly none anytime soon.

I’m Carl - my phone isn’t smart, I’ve never sent a tweet, I'll never pose for a selfie, and I’m not my son's friend on Facebook. In fact, I’m no-one’s friend on Facebook. I read, I digest and I regurgitate with my spin on the things that matter. To me.

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