Families on UC

No, the point of benefits is to subsidise employers.

I already work full time. I wouldn't work overtime unless I was desperate as I'd keep about 30p in the pound. So £4 something an hour on overtime rates.

How about workers being paid enough to live on?

What these threads often come down to is “working class people shouldn’t breed”, which really isn’t the flex you think it is.

The people literally keeping the lights on in this country aren’t earning enough to have children without their salary being topped up by in work benefits. Isn’t that a disgrace?

Sorry don't know much about it

Evidently.

The issue with relying on benefits is that you're at the mercy of landlords/HAs , you're at the mercy of the government and their policies etc., and more often than not they're not enough to live on.

If you think it's that great, give it a go.

I do not need to work as I am classed as being in training and education. Coming to the end of my first of six years studying part time for my degree. I might end up doing a Masters afterwards. I will see how it goes closer to the time.

Do all you benefit bashers work for the daily wail? Or is this purely your own prejudice which you have nurtured all by yourselves?

What is unfair to me is that if you rent then UC pays it for you. If you have a mortgage it doesn't.

So it's fine to pay a greedy landlord's mortgage but not a homeowner's.

I don't think the state should be paying anyone's mortgage but it's unfair that if you fall on hard times your rent is paid but you're shafted for the mortgage!

Obviously I don't think state should be subsidising mortgages of people who choose to not work but where's the safety net for those who need the housing support for a while.

Not this again 🙄

DH works full time, I am an OU student part time and we are in receipt of UC. We have four DC ranging from 17 to 6. Youngest is in receipt of CDP and I receive Carer's Allowance. I am his main carer when I am on not studying and he isn't in school.

I have been a SAHM for 17 years now.

This is my SIL when she’s pleading poverty.

God knows what she wants anyone to say.

I think it works out about £2 an hour for carers or something.

I suppose if you have a mortgage, then you have an investment.

I rent and will have nothing to show for it or anything to leave for my dc

That’s the point of benefits though to tide you over. Sorry don’t know much about it but personally would not be comfortable taking money I hadn’t earned myself on a long term basis unless I was in genuine need. Doesn’t seem to bother anyone else so maybe I am the old fashioned one.

The whole carers allowance system is shocking. But the goverment have yet again shown they have no respect for carers.

No I didn’t. 50% of the country claims some kind of in work benefit. I’ve never had a period of unemployment since I was 16. Even at uni I worked 2 jobs and paid tax.
When I unexpectedly became a single parent at 32, claiming tax credits was the only thing that actually allowed me to work because putting my daughter into nursery was costing over 1/3 of my salary - and the only reason it wasn’t even more than that is because I worked 4 days, one of those being every Saturday, so my daughter was with my mum.
I no longer claim benefits and own my own home. The fact i was able to dig myself out of that situation was purely as a result of receiving support for the first few years of my daughter’s life.

If anything needs to be fixed urgently it's carers allowance. It's a disgrace that it gets taken off UC and wages at all. Carers are saving the taxpayer millions in care costs

UC is set up to give you the most if both parents work. It's mow a requirement that you need to be available and looking for work or working if your child is over 3 (I think) for 30 hours a week. As a family we claim UC, both of us work. Husband is self employed driving instructor and also works 15 hours for a coach firm. I do 3 days as a TA for special needs children. We have 3 kids, 2 of which are SEND and registered disabled, so I get the carers element which removes the 30 hours requirement.
Renting is not stable at all unless it is through the council or housing association. No fault evictions are common, deposits are huge. We were evicted before because the landlady wanted to move in, we had to stay months after the date because we couldn't find another place to live, it was incredibly stressful. We live in a housing association house now and it is such a relief to be out of private renting. I do think that UC should take mortgages into account in the same way they do for rent, it feels like the government is saying you cannot own a home because you are poor !

Well you chose the mortgage. If you think the sweet spot is what you describe there is nothing to stop you. Except of course you realise that actually is not that perfect after all and you want “more”.

We get UC, I'm a sahm my husband works full time we have a mortgage, 2 of the 3 children in this house are physically disabled I'm a carer to them both, I get one lot of carers allowance which is deducted from the UC despite me running on 2-4 hours night sleep for the last 10 years there is no respite. No I don't feel guilty I feel exhausted.

By secure tenancy, I assume you mean social housing? Which is like gold dust and the waiting lists a ten years or more if you're even considered and not all social tenancies are secure only council houses have secure tenancies and they all sold their stock to housing associations who do a variety of tenancy from / years to assured at best.
I worked for one of these H/As and most people are on the waiting list and bidding until they are no longer a priority and are forced to look for private rentals.
Also staying at home on benefits until a child is 3 living in poverty isn't my idea of the dream but you can aspire to that if you choose.

Surely a big part of the issue there though is that people aren’t paid enough to give them a decent standard of life? People working full time shouldn’t need to be supported by the state. That is a sign something is going wrong in society surely?

Plenty of poker with a mortgage claim UC. If your income is low even with both of you working you can claim.

Why should people feel guilty? There are plenty of working people having to claim universal credit. What a horrible post

And if everyone made this choice, where would the UC money come from?