Article
Attention
Comment
Economics
1 min read

Budgeting for discontent

The Chancellor can't please everyone, but is contentment possible?

Paul Valler is an executive coach and mentor. He is a former chair of the London Institute for Contemporary Christianity.

A woman stands behind a lectern against a blue and red backdrop.
Chancellor Rachel Reeves speaks at a recent event.
HM Treasury.

As the Chancellor Rachel Reeves seeks to raise billions in this Autumn budget, the news media are all over the downsides.  Poor pensioners freezing during winter and businesses complaining of the tax burden are political headlines. Tough choices must be made, but we are rarely happy when it comes to money.  

Economic discontent is ironically a cultural norm in first world countries.  In the west we have become used to what psychologists call the hedonic treadmill – adjusting our expectations to any new benefits and finding ourselves wanting even more, to try to maintain the same level of happiness.  It’s a mentality that dooms us to discontent.   Socrates said, ‘He who is not contented with what he has, would not be contented with what he would like to have.’    

Contentment seems to be a forgotten virtue today, and increasingly elusive in a society striving for happiness through wealth.  Yet being content in life is a more valuable form of wealth than money.  There is something enormously attractive about a tranquil state of mind and heart.  Contentment does not mean passive acquiescence; there is a noble side to being passionately discontented about something that is unjust – especially when we are fighting for others.  William Wilberforce demonstrated that with his campaign for the repeal of laws allowing slavery. 

Our personal challenge is to be content in ourselves, whatever the circumstances. Oscar Wilde said, ‘True contentment is not having everything, but being satisfied with everything you have.’   Practising paying attention to what we do have and being thankful for it.  That attitude of gratitude is a recognised way to lift our mood and strengthen our resilience.  But thankfulness doesn’t solve every problem.  Warm words may help warm hearts, but they don’t heat cold homes.  Although gratitude is proven to improve our wellbeing, it’s not enough to compensate for all the problems of life.  Because here’s the deal; life is tough and then you die, and there are many worse things than economic woes. 

Pain, grief and loss are all too common, and they can test our resilience beyond what feels like our ability to endure.  Chronic physical or mental illness for example; or being permanently disabled.  Or the life-sapping effort to parent children with special needs; or caring for a parent/partner with dementia - especially when it goes on and on.  Sometimes horrible events happen like violent abuse, or the deep grief of relationship breakdown or bereavement.  This level of suffering pushes us to the end of ourselves, to the place where something more than psychological self-help is needed.  What is the secret of contentment then? 

I don’t envy the Chancellor, and I do not trivialise the very real challenges raised by having to make tough economic choices.

This is where the secular and the Christian worldview are radically different. Secular philosophers call people to show their own self-sufficiency and superior reason when enduring suffering.  This can feel principled and stoic, but it lacks empathy and hope. Christianity accepts the reality of our own weakness and insufficiency, recognising that we can’t fix everything ourselves.  Instead of trusting in humanity, we choose to trust God both for this life and the life to come.  And this trust and hope is linked to a deeper form of contentment, which transcends pure rationality. 

Of course, sceptics say this is just psychological comfort from an imaginary friend, and it doesn’t make sense, because surely any good God would not allow us to suffer in the first place.  But any realist must acknowledge that a lot of human suffering comes from the damaging exercise of our own free will.  Wars and slavery are examples.  If God were to override our free will, we would be robbed of the authentic capacity to love, which makes us fully human.  The coexistence of free will, suffering and God is a complex issue. 

The experience of millions of Christ followers is that trusting God is much more than imaginary comfort.  God is real and prayer changes things; the most ordinary, natural and chance experiences can be affected by it.  And prayer changes us.  In our vulnerability, if we choose to trust God something changes, we begin to relax, things become a bit easier to bear.  In fact, the apostle Paul claimed that Christ’s power was perfected in his own weakness.   

Contentment is a strange peace that comes from trusting God in the middle of difficult circumstances.  One of the great old hymns was written by a man who lost his four daughters in an accident at sea, and also lost all his money in a fire.  The refrain says, ‘It is well, it is well with my soul.’   This isn’t denial or delusion, it is the inner sense of quietness that God can give.   Only an eternal perspective allows for that kind of contentment. 

I don’t envy the Chancellor, and I do not trivialise the very real challenges raised by having to make tough economic choices.  Britain is clearly in a place where some stringent fiscal discipline is needed, and that will inevitably cause some hardship and difficulties.  But in the face of all the discontent that is so freely shared in the news, there is another way to respond.  Instead of complaining about our flawed Government or moaning about our circumstances, we can change our perspective to put our trust in the ultimate Authority.  And in doing so can find a peace that the world cannot give.   Contentment is a treasure beyond the wealth of nations.   

Article
Comment
Romance
5 min read

Getting hitched should benefit more than the advantaged

Marriage’s decline impacts outcomes for all.
A bride dressed colourfully stands next to her groom, dressed similarly, as he sits in a wheelchair.
Ellie Cooper on Unsplash.

Of all the dramatic changes to Britain in the last half century, one of the least discussed is the extraordinary decline in marriage.  

The marriage rate has fallen by two-thirds in the last 50 years. It was just above six per cent in 1972 and has now been under two per cent since 2017. 

This remarkable decline has corresponded with a rise in a relatively new relation type: cohabitation. Cohabitation was extremely uncommon before the 1960s, and even by 1986 just 10 per cent of new mothers were cohabitants. It is, however, rapidly becoming the mainstream. Now 35 per cent of babies are born to cohabiting mothers, and the total number of UK cohabiting couples increased from 1.5 to 3.7 million between 1996 and 2022.  

Much of this is due to couples delaying marriage: 84 per cent of religious and 91 per cent of civil marriages are now between couples that already live together, and the average age when first marrying has climbed by 10 years since the early 1970s. But it is also due to many more couples not marrying at all. 

Opinions understandably differ on this social transition away from marriage and towards cohabitation. It is a point of progress worth celebrating that the previous societal shunning of those, especially women, who had children outside of marriage has been left in the past. However, such progress has not been without consequences. Cohabitations are less stable, on average, than marriages. Cohabiting parents are around three times as likely to separate in the first five years of their children’s life as married couples.  

This stability is not simply because wealthier, more highly educated people tend to have stable families and also tend to marry. Studies by World Family Maps and the Marriage Foundation have shown marriage to be a larger factor in family stability than either education or income.  

Nor does the stability come from couples staying together miserably.  Studies undertaken in 2017 and 2024 looked at the outcomes of couples 10 years on from considering their relationships to be ‘on the brink’. In the initial study, while 70 per cent of cohabiting couples had separated in the decade since considering themselves ‘on the brink’, 70 per cent of the married couples had remained together. Perhaps even more crucially, just seven per cent of those married couples that had stayed together were unhappy in their relationship a decade on. The 2024 study found none of the sample of married couples that had stayed together were still unhappy 10 years on. For those that had stayed together, things had improved. 

This family instability that the decline of marriage has caused is also unevenly distributed. Affluent couples – often those most likely to criticise the concept of marriage – are much more likely to marry than disadvantaged ones.  

Looking at socioeconomic groups, seven in ten mothers from the most advantaged group are married, while just a third of those from the two most disadvantaged groups are. The effect is geographic, too. Institute for Fiscal Studies research has found parents having children are more likely to be married if they are living in better educated areas. For the advantaged, it is compassionately affirmational to suggest that every relationship is equal, even though the advantaged themselves choose the most secure option of marriage: a hypocrisy only tolerated due to the potent fear of seeming judgemental. 

The consequence of this is deepening inequality: disadvantaged families are rendered more likely to breakdown, while children from affluent backgrounds are disproportionately likely to enjoy the ‘the two-parent privilege’, the substantial emotional and developmental advantages of growing up in a stable home. Melissa Kearney coined the phrase, and her evidence shows how children grow up, on average, to have better educational outcomes, better emotional and physical wellbeing, and higher incomes if they are raised in two-parent homes. 

Stable families are foundational to a stable society, and marriage is crucial to stable families.

So, why are marriage rates so much higher among wealthier couples than poorer ones, and why is this gap growing? 

We can isolate three reasons in particular, each more solvable than the last.  

Most challenging is the feedback loop effect: people whose parents, role-models, and friends have not married are unlikely to do so themselves. The demographic trend compounds itself.  

Second, and easily addressable if only the will was there, is the public messaging effect: politicians – and to some extent celebrities – have consistently told the public that marriage is unimportant. In 2017, Marriage Foundation research found that it had been a decade since a cabinet member had discussed marriage in a speech. This has hardly changed in the years since. In 2024, the only major party whose manifesto even mentioned marriage was Reform; even then the focus in the relevant section seemed to be less on marriage and more on getting ‘people trapped on benefits back into the workplace’. 

Third is the cost of weddings. A quick flick through top wedding magazines suggests that the average wedding costs upwards of £20,000. Survey evidence from both Marriage Foundation and the Thriving Center of Psychology have found that most young people view weddings as unrealistically expensive. 

This financial problem is solvable: much of the costs relate to venue hire. Unless they are having a religious marriage, a couple will need to find a venue that has gone through the bureaucratic process of becoming an ‘approved premises’. The cheapest of these are register offices which, including all expenses, still cost about £500. 

This is eminently mendable. The Law Commission proposal to reorganise wedding law around the officiant, not the venue, opens the door for a future of more affordable weddings by removing the regulatory barrier. It will also bring the law in line with that of other home nations. 

This proposal will not work by itself, though, it will need to be supported by creativity in wedding planning.  

Wedding costs can be substantially reduced by taking a DIY approach. Food, drinks, and decorations can often be coordinated amongst enthusiastic (and appropriately competent!) guests.  

Booze free weddings are a growing phenomenon, and especially good for weddings with children.  

Such ‘group-effort’ approaches often have a unique feel thanks to the high participation of guests, and people are more likely to remember events that they feel a sense of ownership of, having helped make them happen. 

Alongside this is a recommendation by the Centre for Social Justice. It proposes subsidising the necessary statutory fees for the poorest couples, up to £550 per couple. An inexpensive and hugely beneficial adjustment to improve wedding accessibility for the least fortunate.  

Stable families are foundational to a stable society, and marriage is crucial to stable families; perhaps it is time for all of us to make tying the knot easier.  

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