Fed up of my cousins comments about benefits and UC

@ThatBoldBear you said a family income of £101k with ONE parent working and then said they'd have to pay nursery fees.
Why?
You don't need childcare nursery if there's a parent at home.
It would be their choice to pay nursery fees. They don't need to.

@ThatBoldBear you said a family income of £101k with ONE parent working and then said they'd have to pay nursery fees.
Why?
You don't need childcare nursery if there's a parent at home.
It would be their choice to pay nursery fees. They don't need to.

Ok so I’m out by say £600. Still you’d expect to be more than £500 a month better off earning £101k though wouldn’t you?

Social housing is not automatically allocated just because someone is on Universal Credit, and it's not restricted to people on Universal Credit. It's also not free, you still pay rent on it. Some people on UC are in social housing, some are in private sector. All of them will have to pay rent. Their UC payment might include a housing element, which would be included in that £1500 example you quoted, and this might not cover their full rent as there are caps on how much it can be. They wills need to pay their rent from the £1500 so if their rent is, for example, £700 then they'd only have £800 left to live on. There is no such thing as free housing.

If you don't know how benefits work, why post so confidently that they'd received £1500 and get to keep 100% of it when it's patently untrue?

Well said

But people who are at the literal bottom.. the NMW people... they get topped up in UC so they can afford to LIVE.

How is that wrong? Society needs the people doing those jobs.

And it is not just people on NMW getting topped up... nurses get topped up too. Are you going to tell them to just go and get a better job?

I’ve never claimed so was just going off the gov figures, don’t people get social housing and cash? You’ve got to admit it’s a pretty crazy situation though even if my figures are slightly out.

Well She's not paying £400 on tax is she. She said herself some of it is National Insurance. That is a contribution towards her pension. Effectively that is a form of long term saving.

Your UC is temporary, to help you survive until you can return to the workforce.
Would she like to see a return to the poor House instead.

When your son is settled in school or a bit older you will be back in the workforce, paying tax just like everyone else... When your son is older it will be the tax he pays that funds all the public spending the government spends when she is older and perhaps retired. That's the way it works.

That's fine, but they shouldnt be expecting other folk to subsidise their choices.

But you are comparing someone on a specific salary with someone on UC that has very specific circumstances.

Everyone on UC is different. I am on UC and do not get the housing element. That is what makes up a huge amount for some people.

You only get funded hours if you’re working though - the point is to make it easier for patents to work which actually reduces the benefits bill, I assume.

She doesn't have free housing. She has to pay rent out of her income which is a mix of wages and UC.

Not less well off. They have less disposable cash after childcare and housing (assuming 2 kids in childcare) and UC recipient has free housing.

Agreed. And then it's 'Well she was stupid enough to have children with him, I bet there were signs, so it's her own fault, and she should now click her fingers and become a net contributor overnight!'

Apparently 75k+ jobs grow on trees all over the UK.

Yeah we could all come up with excuses of being mentally drained. I'm fucking knackered but it counts for nothing

It's funny how "benefits" are evil but "funding" for childcare from 9 months is fine.
It's all government money isn't it?

Presuming they're renting, rent would need to be paid out of that £1500 as it would include a housing element. The exact amount of housing element is capped based on how many bedrooms they're eligible for whatever the local housing allowance is (varies by area). They don't just get given £1500 to keep and no bills.

And when we have a nation full of CEOs, doctors, directors, and senior managers because everyone has "bettered" themselves, who is going to staff the supermarkets, support children's education, empty the bins, and care for the elderly?

Minimum wage doesn't mean a job isn't important and there should not be a push for "bettering" just for the sake of it. NMW should be at a level that enables a family to live respectable lifestyle, the scandal here is that it doesn't and that top-ups are 100% necessary in order to keep people out of poverty.

It's not subsiding choices, it's ensuring that the vital roles on society are filled because we need people in so-called 'unskilled' jobs.

Not less well off. They have less disposable cash after childcare and housing (assuming 2 kids in childcare) and UC recipient has free housing.

But they can only make that choice at the expense of other people choosing not to and then subsiding other people who make that choice. If we all made that choice, the system wouldn’t work - would it? It’s not about having as much money as possible at all but we all have to cut our cloth accordingly without expecting other people to foot the bill.

I was commenting on someone saying that someone on £101k is somehow less well off than someone on UC.
It is crazy, because it is bullshit.

People should also look at the breakdowns of income tax those paying the highest (additional) ie earning the most only pay 45% leaving a bare minimum £68628 pa but basic rate which is probably a huge amount of us here is 20% even if you’re top end you have £40000 pa left and that starts at under £13000 pa the tiers are ridiculous so called higher rate (they do not end up with a lot for it) only pays 5% less than the additional rate, coincidentally guess where you’re CEOs and M.P’s etc are probably sitting? Yeah they’re probs all additional rates and I guarantee they’ll be earning more than the £125140 plus

'Better themselves'?

Has it actually not occurred to you that people who work part time might be making the choice to spend more time with their children? That's a pretty positive choice in my book. There are other ways to 'better oneself' than to chase after as much money as possible.

How are you working 3-4 days a week yet earning under 12k so not paying tax OP? Working an hour a day or something?

At £300 a month she’s certainly not a net contributor, so tell her that she’s not paying enough either.