Why is the left silent on the scourge of consumerism?

Labour must look beyond the politics of more and recognise that the good life cannot be bought off a shelf.

Did you do it – by accident or design? Did you manage to buy nothing on Buy Nothing Day last Saturday? What do you mean you didn’t know you it was Buy Nothing Day? Too busy Xmas shopping?

The idea that an issue can only be raised by dedicating one day out of 365 to it is just one indication of how we have become a consumer society.  Being a consumer society doesn’t mean that all we do is shop,  rather it suggests that knowing ourselves and others by what we consume is the prime way in which society now reproduces itself.  It is the dominant way of being, just as work once was, when we knew ourselves, and others, primarily as producers. We were what we did. Now we are what we buy.

I don’t know the ‘Buy Nothing Day’ people but I’m guessing the problem isn’t consumption per se. We have to consume to live. The problem is one of balance. What is the damage being done to us, our society and the planet by consuming too much? And the issue is not the inability of capitalism to balance its need for expanding profit and our individual, collective and environmental needs, capitalism can’t do balance. The problem is that our politicians have given up trying to secure that balance through regulation.

At one level who can blame them for not trying. Why would you even want to get people to vote against the seductive powers of shopping and the thrill of the till? The answer, when it’s the only form of compensation currently on offer, is not to tell them it's bad but to come up with a more seductive offer. If we tried that it might touch a chord. People know the rewards of turbo-consumption are only fleeting and ultimately unfulfilling. If they don’t, then Selfridges kindly remind them every year with their sale slogan "you want it, you buy it, you forget it". How kind of them to let us in on the joke, which is on us.

Even when you come up with what you hope to be a telling insight, to help people liberate them themselves from the high street of hell, the market cleverly co-opts it and comes with its own response – as it must if it is to successfully reproduce itself. So, when you offer the idea of the time to read a child a bed time story as a moment of non-commercialised freedom you have to contend with the company called Nursery Rhymes who offers an iPad app to read "with a child" so that you can be in the office or anywhere around the world. So you work, to earn, to buy the products to assuage the guilt because you are always working and never with your children. This is why capitalism is winning.

And then you try this clincher as an argument to stop shopping; no one dies wishing they had more things but that they had more time with the people they loved. Trump that capitalism! And of course they do. We go back to the iPad or rather the iTomb which gets placed in your headstone so that messages and memories can be eternally communicated.  Another pleasure you, of course, have to work for.  We don’t stand a chance.

Interestingly, the right seems more willing to act on the spread of at least the worst aspects of our consumer society than the left. Just this week, the government proposed a minimum alcohol price to restrict drink consumption, although the floor of 45p per unit is seen by many campaigners as too low. And it was Cameron, while in in opposition, who at least piped up about chocolate being sold at the counter of supermarkets to maximise child pester power and high street stores selling sexualized clothing to young girls, an issue I brought up last week. Small beer, I know, but it at least raises the issue.

The left is pretty silent on consumption. Social democracy is the politics of more – and the more in question is money and therefore spending power. Today ‘Labour’ is not about dignity or craft but raw consumption. Jobs, any jobs, are what matter. For many on the left, it seems enough is never enough, no matter how much consumerism tears society apart and threatens the basis of social democratic dreams.

Of course, in a time of austerity the fixation is growth, as we saw with the figures this week on the two million jump in those who are in work but feel underemployed and therefore are under-spending. But that desire to return to pre-crash ‘business as usual’ is misguided. Many of us have more clothes than we can wear and more food than we can eat – but work too hard and have too little time to do what we really want. Instead, the emphasis should be on two things; first sharing work more equally and therefore the material benefits and time that go with it. And second, help each other recognise that the good life cannot be bought off a shelf but created in our imagination and our mutual endeavours. There are many visions of the good society, said J.K.Galbraith, the treadmill is no one of them.   

So if you can, work less, so others can work more, on some days buy nothing – expect the New Statesman, of course. Otherwise buy less, buy better, but buy time, love, care, compassion, freedom and some control over your life and your society the only way you can – by doing it not as a consumer but as a citizen.

Neal Lawson's column appears weekly on The Staggers

Shoppers carying shopping bags on Oxford Street in London. Photograph: Getty Images.

Neal Lawson is chair of the pressure group Compass, which brings together progressives from all parties and none. His views on internal Labour matters are personal ones. 

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Stability is essential to solve the pension problem

The new chancellor must ensure we have a period of stability for pension policymaking in order for everyone to acclimatise to a new era of personal responsibility in retirement, says 

There was a time when retirement seemed to take care of itself. It was normal to work, retire and then receive the state pension plus a company final salary pension, often a fairly generous figure, which also paid out to a spouse or partner on death.

That normality simply doesn’t exist for most people in 2016. There is much less certainty on what retirement looks like. The genesis of these experiences also starts much earlier. As final salary schemes fall out of favour, the UK is reaching a tipping point where savings in ‘defined contribution’ pension schemes become the most prevalent form of traditional retirement saving.

Saving for a ‘pension’ can mean a multitude of different things and the way your savings are organised can make a big difference to whether or not you are able to do what you planned in your later life – and also how your money is treated once you die.

George Osborne established a place for himself in the canon of personal savings policy through the introduction of ‘freedom and choice’ in pensions in 2015. This changed the rules dramatically, and gave pension income a level of public interest it had never seen before. Effectively the policymakers changed the rules, left the ring and took the ropes with them as we entered a new era of personal responsibility in retirement.

But what difference has that made? Have people changed their plans as a result, and what does 'normal' for retirement income look like now?

Old Mutual Wealth has just released. with YouGov, its third detailed survey of how people in the UK are planning their income needs in retirement. What is becoming clear is that 'normal' looks nothing like it did before. People have adjusted and are operating according to a new normal.

In the new normal, people are reliant on multiple sources of income in retirement, including actively using their home, as more people anticipate downsizing to provide some income. 24 per cent of future retirees have said they would consider releasing value from their home in one way or another.

In the new normal, working beyond your state pension age is no longer seen as drudgery. With increasing longevity, the appeal of keeping busy with work has grown. Almost one-third of future retirees are expecting work to provide some of their income in retirement, with just under half suggesting one of the reasons for doing so would be to maintain social interaction.

The new normal means less binary decision-making. Each choice an individual makes along the way becomes critical, and the answers themselves are less obvious. How do you best invest your savings? Where is the best place for a rainy day fund? How do you want to take income in the future and what happens to your assets when you die?

 An abundance of choices to provide answers to the above questions is good, but too much choice can paralyse decision-making. The new normal requires a plan earlier in life.

All the while, policymakers have continued to give people plenty of things to think about. In the past 12 months alone, the previous chancellor deliberated over whether – and how – to cut pension tax relief for higher earners. The ‘pensions-ISA’ system was mooted as the culmination of a project to hand savers complete control over their retirement savings, while also providing a welcome boost to Treasury coffers in the short term.

During her time as pensions minister, Baroness Altmann voiced her support for the current system of taxing pension income, rather than contributions, indicating a split between the DWP and HM Treasury on the matter. Baroness Altmann’s replacement at the DWP is Richard Harrington. It remains to be seen how much influence he will have and on what side of the camp he sits regarding taxing pensions.

Meanwhile, Philip Hammond has entered the Treasury while our new Prime Minister calls for greater unity. Following a tumultuous time for pensions, a change in tone towards greater unity and cross-department collaboration would be very welcome.

In order for everyone to acclimatise properly to the new normal, the new chancellor should commit to a return to a longer-term, strategic approach to pensions policymaking, enabling all parties, from regulators and providers to customers, to make decisions with confidence that the landscape will not continue to shift as fundamentally as it has in recent times.

Steven Levin is CEO of investment platforms at Old Mutual Wealth.

To view all of Old Mutual Wealth’s retirement reports, visit: www.oldmutualwealth.co.uk/ products-and-investments/ pensions/pensions2015/