Apparently over eighty per cent of British people don’t fully understand the taxation system – and I’d wager the other twenty per cent simply pay someone else to deal with it. With the various rates of income tax, the alphabet soup of savings wrappers (Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs, the new British ISA…), National Insurance contributions, VAT, council tax, capital gains tax, stamp duty and the ever-expanding roster of stealth levies, you would practically need a degree in tax law just to file a self-assessment return. You certainly do not need to feel alone in your confusion – the escorts who visit us from across Essex tell us exactly the same thing.
What is even more striking is that a significant proportion of people do not realise how much tax they pay on top of income tax. VAT at twenty per cent is effectively invisible at the till, yet it quietly adds a fifth to almost everything you buy. National Insurance – recently restructured following the 2025 Budget changes to employer contributions – still takes a meaningful slice from every pay packet. Then there is the ever-present fuel duty, which currently accounts for around fifty pence of every litre of petrol or diesel you pour into your car, before VAT is added on top of that. Yes, you read that correctly: there is a tax on a tax.
Recent research from the Association of Chartered Certified Accountants found that financial literacy around personal taxation remains worryingly low. The conclusion? Most of us simply assume we do not need to understand the system – we just have to pay. With HMRC pushing ever more people into self-assessment and Making Tax Digital extending to smaller sole traders from 2026, that attitude could start costing people real money in missed reliefs and avoidable penalties.
Of course, the sheer complexity of it all is not entirely accidental. The more convoluted the rules, the less likely most people are to challenge them – or to notice when a new stealth levy quietly appears. Children’s clothing and most food remain zero-rated for VAT, which is at least something. But there is surely a case for extending that spirit of generosity a little further. Good company, a night out in Chelmsford, Basildon, Romford or the West End, a meal with a beautiful essex escort from our gallery – all the things that make city life worth living. Surely the Chancellor could cut us a break? After all, a happy, well-entertained public is a productive, tax-paying public…
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