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To think there should be some form of financial support for single people?

(143 Posts)
ButWhyIsTheGinGone Sat 23-Jul-11 16:00:35

It's the last week before pay day and yet again I am almost penniless. I am in the early stages of a decent career - I earn 25k at the mo, soon to go up to 27k. Due to deductions (pension, student loan, NI, tax, etc) I only take home £1450/month. Not terrible.

I just can't believe how little my pay stretches. I live in a small one bed house, don't have any expensive hobbies, children or drug habits. Yet most months I seem to have to borrow £30 or so from my mum to get through the last week. I appreciate this so much, but it's kind of shameful at the age of 26 to go cap in hand to your mum...

It seems that people with children get at least some kind of support for their lifestyle choices, and I'm certainly not saying they don't deserve it, but I genuinely think people who live alone get overlooked when it comes to this kind of help.

If I had a partner who lived with me, I could instantly halve rent, CT, utilities... I would be rolling in it! But the fact I choose to be alone means I have to struggle. I am probably BU, but sometimes it feels like so much help is available for parents - I have a friend who works about a third of the hours I do and earns significantly less... but does to her tax credits, child benefit, etc she's better off than me. It's just a bit depressing some times.

I know I obviously don't have the massive expenses that having children incurs.... oh and I hope I'm not offending anyone. Although I don't have or want kids I'm not trying to sound "childfree so I'm superior to you" kind of thing. Just feeling a bit morose.

If you've successfully struggled through my ramblings, thank you!

PonceyMcPonce Sat 23-Jul-11 16:02:15

I reckon you should flatshare then.

TidyDancer Sat 23-Jul-11 16:02:47

I happen to think YANBU tbh. Single people seem to pay massive amounts into 'the system' for what is a much smaller return than many other groups in society. It is more expensive to be single than almost any other state.

GypsyMoth Sat 23-Jul-11 16:03:09

why not downsize? do you need to rent a house? at your age i was flat sharing and renting a room!

ImperialBlether Sat 23-Jul-11 16:03:24

It is really hard managing on your own. When my ex left, we were automatically £2000 down per month and still had the same living expenses, apart from his clothes, car and food.

Would you consider living with someone in a flat share type of thing?

NearlyHeadlessnickelbabe Sat 23-Jul-11 16:04:56

you need to make a budget.

get a book, write out exactly what you spend and on what (save receipts - write it down in your book every time you spend anything)
work out what category all your purchases fall into (say, food, utlities, rent, going out, etc)
then work out what you need to spend and what you don't.

say you go to the supermarket and put loads of ready meals in your basket - you don't need to - one or two a week for a treat, and get fresh veg etc and make your own dinners.
say you go to the pub with your friends and you get a takeaway at the end of the night. eatwell before yo ugo out and plan a snack for when yo uget back. even something like not havingthat extra glass of wine can save you a couple of quid.

TheMagnificentBathykolpian Sat 23-Jul-11 16:05:04

If you can't manage on nearly 1500 a month, then you need to take a look at where your money is going.

When I was a single person, living on my own, I was bringing home £800 a month and living just fine.

This is not me having a go at you, just advising you to take control of your finances. Look at your expediture. See where your money is going.

NearlyHeadlessnickelbabe Sat 23-Jul-11 16:06:07

yy to those who say live in a houseshare, or even rent a flat rather than a house (it can save you a bit, espcially if you go to one with no garden etc)

QueenofDreams Sat 23-Jul-11 16:06:21

Well, my DP earns 23k. We have two children. I have been trying to find work, but no luck so far. So you, on 2k more than we have would be entitled to financial help, but we wouldn't?

On top of this, I'm not entitled to any unemployment benefits because I have a partner who works full time. We're getting gradually deeper into debt.

ButWhyIsTheGinGone Sat 23-Jul-11 16:08:39

The flat share is a possiblity, but I actually don't think I would save that much - my rent is £450 and round here I genuinely think I would struggle to find much for less than that... The frustrating thing is I CAN afford to live here... JUST.

It jsut becomes very frustrating economising on EVERYTHING ALL THE TIME. I only ever shop at places like Store 21 for clothes and I am Aldi's best customer. smile

I DO know I'm lucky, however, and I know we're all having to cut back in these times. Just needed to vent a bit. TidyDancer, thank you for your post - I appreciate your points.

LineRunner Sat 23-Jul-11 16:10:06

Good advice above. Living on your own as a single is just expensive. In my single years I was only once able to afford my own one-bedroom flat; most of the time I was sharing, and twice in London I was lodging simply so I could save up a bit of money.

Katisha Sat 23-Jul-11 16:10:14

ANd have a look at moneysavingexpert sie, which shows you how to budget.

HEre

vickibee Sat 23-Jul-11 16:11:08

are you claiming the 25 % reduction you are entitled to on the council tax.?

I also agree that YANBU - i had the same thoughts pre children.

Are you living in a very expensive area? renting?

Karstan Sat 23-Jul-11 16:11:34

Your money must be going somewhere, like someone else said make a spreadsheet and keep track.

Our 'fixed' expenses come to less than 1200 pounds (rent, food, heat, water, petrol, car, ctax etc.) for two of us so on the face of it I think you should be able to manage on the take home you are getting. Whilst I generally agree with your premise that there should be some form of financial support for single people (and I expect there already is in terms of housing benefit, ctax reduction) I don't think you fall into that group - so sorry YABU

ButWhyIsTheGinGone Sat 23-Jul-11 16:12:24

NearlyHeadless you are quite right about the budget, I don't do it on paper, but I do try to be careful with groceries. I don't buy expensive ready meals but cook from scratch and tend to freeze stuff. However, you are right - it's obviously going somewhere so I do need to take a close look.

QueenofDreams I'm sorry if I've offended you, my comments weren't intended to upset anyone in a worse situation than me, but were rather me being frustrated at my own situation.

LilBB Sat 23-Jul-11 16:12:39

Child benefits arent to maintain a lifestyle they are stop child poverty and to help people return to work. There are benefits for childless people, working tax credits, but you will be deemed to earn too much for this. There are lots of benefits that people get without having children when their circumstances deem it necessary so don't just jump on parents for claiming.

We have two incomes and a child but sometimes we need to borrow a bit of money when we have a few days left until pay day.

Karstan Sat 23-Jul-11 16:13:48

Even more so now you've revealed you have 1000 pounds AFTER your rent is paid.

valiumredhead Sat 23-Jul-11 16:13:55

If you can't manage on nearly 1500 a month, then you need to take a look at where your money is going.

Surely that completely depends where you live/how much rent or mortgage is?

LilBB Sat 23-Jul-11 16:14:14

Just to add there is a council tax reduction if you live alone. Also don't automatically assume bills halve with two adults. Rent does but the rest may well increase, more so if you have children.

valiumredhead Sat 23-Jul-11 16:14:31

Oh - sorry Xposted - please ignore my last post! grin

GypsyMoth Sat 23-Jul-11 16:15:58

utilities will be way less in a flatshare

ButWhyIsTheGinGone Sat 23-Jul-11 16:16:13

My fixed expenses are about £1000 - Rent, CT, utilities, Car insurance, Union fees, TV licence, diesel.

The rest is for groceries and leisure. I get paid on friday and do the writing down thing - it could possibly depress me further, but I know I need to manage better.
linerunner you mention how difficult it was for you in your single years. Thing is.... I'm not sure I want a partner, I genuinely love being on my own .... and I wouldn't want to flat share forever.

SkelleyBones Sat 23-Jul-11 16:17:00

The point is if you want to you can work overtime or take a 2nd bar job which is what I did as a single person, that option isn't available when you have children.
You'll look back at laugh at this in years to come, you have so much money it's not funny compared to most families and only yourself to think of.

MrsKravitz Sat 23-Jul-11 16:17:23

What on earth are you spending your money on. I run a home on just slightly over that and have a child and manage to save confused

MumblingRagDoll Sat 23-Jul-11 16:17:32

Her rent is £450 valium say council tax is 100 or so....then utilities..she should still be ok off.

Do you go out much OP? My mates dont but realised they were spending abot 80 pounds on alcohol every month.

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