You know what grinds my gears? The abolition of the ten pence rate of tax. Because I earn unde Â£18500 I have lost the ten percent starting rate of my tax. So even after the cost of living increase, I am going to be worse off! Yet higher earners are BETTER off. That really gets up my nose! No wonder I am off to be a teacher in September, when the 10% tax rate will be a distant memory! So, what grinds your gears? Any rants must start with the above picture!