So how has your life changed under the tories ?

Again, we have a higher tax burden now than we did under the last Labour government.

If the grand sum of 13 year's work is a few handouts during crisis and an inevitable increase to the minimum wage, I'd suggest you are being very generous with your praise.

This is objectively one of the worst governments we've ever had, by just about any measure.

Lib Dems maybe, but I would be stunned if any move towards the EU was anything other than wholly trade related. Starmer knows that an EU rejoin is political poison. At present he is just about dragging along a noisy and vociferous loony left in his potential centrist government. However, the left are so rabidly Brexit they make Rees Mogg look like a Europhile. A rejoin would cause internal mayhem.

I hope they move closer to free movement of labour, but you lefty protectionists abhor that.

The Tories could start executing family members and there's a sizeable percentage of British voters who would turn around and say "but can you imagine it was Labour?"

There's a reason why there have been very few socialist governments.

When you get a little older, you might get it.

Doctors appointments have for years been difficult to get. I would think the fact, and it’s a known fact that new arrivals get preference has an effect.
The mortgage rate was the lowest ever for twelve years until recently. It was just bad luck you joined the market at the wrong time. Your student loan debt doesn’t impact your credit rating and isn’t started to be payed back until you hit 20 ish grand salary and then the payments are quite low. It also dies after 30 years no matter how much you owe. It should also enable you to achieve a higher earning power for life so will or should be beneficial depending what you studied. Tbh you shouldn’t consider kids if you can’t afford them but TIC you never will from my experience . Bite the bullet on that as the emotion will far outweigh the hard times. The cost of living is dropping and yes it is higher than it maybe should but when I was a kid the predictions of how today would be were cataclysmic. Public services are always rubbish for some and great for others. That is a lot to do with local councils and is a bit of a red herring in your list.

So under labour how is the above going to change?
You won’t have your loan wiped out, mortgage rates will no doubt go up sadly for you.
Kids will still be expensive and local councils will still be good for some and bad for others.

I’m trying not to be pedantic but I’ve lived under a labour hmg and it will be worse than now for workers and tax payers. Better for feckless and workshy.
Private companies will become worse due to the tax take for labour to fulfil their utopian socialist society. Don’t wish too hard as you may get what you wish for but freedom to actually choose a hmg is a good thing.