Ireland imposes strict new limits on spending of debtors

€247.04 a month for food.

Ireland is imposing punishing new requirements on people applying for debt write downs, according to the Financial Times:

A single person will be allowed just €247.04 a month for food, €57.31 for heating and €125.97 for “social inclusion and participation”, an expenses category that includes tickets for sporting events and the cinema.

The allowances rise for someone with children, or without access to public transport: according to the Irish Times, each child of primary school age adds another €204.88, while €131 is allowed for a car if there's no other alternative.

The move is the first attempt to quantify acceptable living standards in the country, following the spate of bankruptcies caused by the financial crisis. The guidelines are also expected to be used by banks as they begin restructuring home loans shortly – in Ireland, unlike the UK, mortgages are included in insolvency laws, in an effort to prevent banks from simply foreclosing on debtors.

English insolvency laws are less restrictive than Ireland's, requiring only that the bankrupt person be left enough cash for "reasonable" expenses. As the FT reports, past cases have found that holidays, mobile phones and video rentals are covered by that, but gym memberships, private healthcare, gambling, cigarettes and alcohol aren't.

The imposition of cash limits could be a step up for welfare, if recipients are free to ignore the categories which they're calculated for. One of the worst things about the sort of moralistic reasoning which the British laws embody – and which are mirrored in the arguments for food stamps – is that it prevents people from making their own decisions about what "necessities" are for them. If I'd rather spend £500 on gym memberships than £1000 on a mobile phone bill, then I'm better off if I'm allowed to do that, and so's the state.

Of course, the Irish limits aren't that flexible – and nor are they that high. So for the time being, you're probably better off bankrupt in Britain. Put that on the tourist posters…

Food stamps. Photograph: Getty Images

Alex Hern is a technology reporter for the Guardian. He was formerly staff writer at the New Statesman. You should follow Alex on Twitter.

Ukip's Nigel Farage and Paul Nuttall. Photo: Getty
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Is the general election 2017 the end of Ukip?

Ukip led the way to Brexit, but now the party is on less than 10 per cent in the polls. 

Ukip could be finished. Ukip has only ever had two MPs, but it held an outside influence on politics: without it, we’d probably never have had the EU referendum. But Brexit has turned Ukip into a single-issue party without an issue. Ukip’s sole remaining MP, Douglas Carswell, left the party in March 2017, and told Sky News’ Adam Boulton that there was “no point” to the party anymore. 

Not everyone in Ukip has given up, though: Nigel Farage told Peston on Sunday that Ukip “will survive”, and current leader Paul Nuttall will be contesting a seat this year. But Ukip is standing in fewer constituencies than last time thanks to a shortage of both money and people. Who benefits if Ukip is finished? It’s likely to be the Tories. 

Is Ukip finished? 

What are Ukip's poll ratings?

Ukip’s poll ratings peaked in June 2016 at 16 per cent. Since the leave campaign’s success, that has steadily declined so that Ukip is going into the 2017 general election on 4 per cent, according to the latest polls. If the polls can be trusted, that’s a serious collapse.

Can Ukip get anymore MPs?

In the 2015 general election Ukip contested nearly every seat and got 13 per cent of the vote, making it the third biggest party (although is only returned one MP). Now Ukip is reportedly struggling to find candidates and could stand in as few as 100 seats. Ukip leader Paul Nuttall will stand in Boston and Skegness, but both ex-leader Nigel Farage and donor Arron Banks have ruled themselves out of running this time.

How many members does Ukip have?

Ukip’s membership declined from 45,994 at the 2015 general election to 39,000 in 2016. That’s a worrying sign for any political party, which relies on grassroots memberships to put in the campaigning legwork.

What does Ukip's decline mean for Labour and the Conservatives? 

The rise of Ukip took votes from both the Conservatives and Labour, with a nationalist message that appealed to disaffected voters from both right and left. But the decline of Ukip only seems to be helping the Conservatives. Stephen Bush has written about how in Wales voting Ukip seems to have been a gateway drug for traditional Labour voters who are now backing the mainstream right; so the voters Ukip took from the Conservatives are reverting to the Conservatives, and the ones they took from Labour are transferring to the Conservatives too.

Ukip might be finished as an electoral force, but its influence on the rest of British politics will be felt for many years yet. 

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