Every year, the Chancellor of the Exchequer spells out the vision for the future and while most of the headlines are taken up by announcements on extra taxes for a pint of beer, a glass of wine or a tank of petrol, the announcements go much further than that. Anything and everything from Income Tax, pensions, National Insurance and VAT are spelled out for the coming years – things that actually directly affect the pay-packet of everyone in the country.