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'I'm impressed with changes in savings and childcare costs'

Tracey Eydmann is an Avon sales leader who is self-employed and is a single mother with a six-year-old son.

The 48-year-old, from Dunfermline, Fife, previously worked as a corporate accountant and paid particular attention to the tax changes announced by the Chancellor.

She said: "I'm very impressed with the changes in savings - getting rid of the 10p tax rate and increasing the limit to £4000 on child ISAs. I changed my son's account last week so I am pleased about that.

"The vouchers for childcare, which was announced the day before, is also impressive, getting up to £2000 tax free. I am going to look into that because that may help me.

"I do not use childcare at the moment but my son goes to a lot of kids' clubs and after-school clubs and I pay them outright, so if I could get 20% back then that would be very useful. I will look into that and see how it works.

"The cuts in energy costs do not seem like they will do much to help working families. A saving of about £15 a year for an average household - will you really notice that? I switched my fuel bills last year, so I was not affected by the last lot of price increases, but it would have been nice to see fuel bills brought down further.

"The changes in the tax bracket were expected, but it is good to see the point at which we start paying income tax has been raised to £10,500.

"The welfare cap is a good policy. I have been on benefits and always thought I got enough, but I can't work out how some people get the amounts they do, so I agree with a limit.

"I have a sister in the Caribbean and friends in Australia, so the decision to level out Air Passenger Duty across all long-haul flights is good for me. It will encourage people to visit the places they want to see."

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