With the fuel crisis, cost of living crisis, historic high inflation and rising interest rates everyone is struggling to make ends meet and it is only going to get worse before it gets better. Lots of people will default on mortgages as interest rates are raised and there is a clear need for the tax system to keep up with the changing times. The standard Personal Allowance of £12,570, needs to be reviewed & raised to over £20,000 to alleviate the severe pain that the common people are enduring.