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AIBU?

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Fed up of my cousins comments about benefits and UC

739 replies

glassor2 · 24/07/2025 16:17

I’m a single mum of two kids, ages 13 and 5. My older son has a relationship with his dad, but my younger son’s dad moved away a couple of years ago and doesn’t see him often-usually once or twice a year. He doesn’t provide any financial support, and since he moves around for work (he used to live in Canada and now lives in Australia), it has been challenging to get child maintenance to chase him.

I work 3-4 days a week (sometimes more if there’s overtime available) and receive a top up from UC. My mum occasionally helps with child care, but she also has a full time job. It can be difficult handling everything on my own, but I manage.

Anyway, I have a family member I'm quite close to, and she often makes comments, not aimed at me, but towards people who claim UC. For example, she mentioned that it's unfair for her to pay almost £300 a month in tax while others can work part time and avoid paying anything (I don’t earn enough to pay tax) and that she has to pay more to subsidise the people that don't. She even told the entire family that she pays almost £400 a month, including national insurance, which made things awkward and nobody knew what to say.

From what I know, she doesn't earn a huge wage, so I can see why it would be frustrating for her to have to pay that much. It's a lot of money. However, it's not our fault, and if she's upset, her anger should be directed at the government, not at those who are rightfully claiming.

Everyone’s situation is different, and some people need help. I never chose to be a single parent, and I can't control the fact that my ex chose to leave and decided not to support his child financially. I'm doing my best, just like many others on UC are.

I don't think she's intentionally trying to upset me, but she is.

AIBU? How do I tackle this?

OP posts:
ThatBoldBear · 29/07/2025 17:51

MuckFusk · 29/07/2025 17:45

Nope. Everybody pays sales tax.

?

ThatBoldBear · 29/07/2025 17:49

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

MuckFusk · 29/07/2025 17:45

ThatBoldBear · 29/07/2025 17:41

@MuckFusk Only net tax payers subsidise things they don’t agree with, the other 53% don’t subsidise anything.

Edited

Nope. Everybody pays sales tax.

MuckFusk · 29/07/2025 17:42

LakieLady · 28/07/2025 22:02

Some people would like to go back to the early "poor law" days, where only the "deserving" poor got help and the "undeserving" poor had to beg, resort to crime or prostitute themselves.

Yet the same people who want that tend to be the ones who complain the most about crime. They aren't very bright.

ThatBoldBear · 29/07/2025 17:41

@MuckFusk Only net tax payers subsidise things they don’t agree with, the other 53% don’t subsidise anything.

HelenHywater · 29/07/2025 17:39

ThatBoldBear · 29/07/2025 17:27

Ok. So experts wouldn’t advise someone living in poverty against having another child and the two child limit on benefits aim was to reduce the number of children that were born?

Does any of that not ring true for you? It’s just pure entitlement. What would happen if everyone thought like you and just took all the time with no regard for anyone else?

The two child limit was introduced by the Tories to reduce the welfare bill, not to reduce poverty. The other austerity measures introduced by the Tories pushed more children into poverty (child poverty was reducing in 2010 and if it had continued at the same rate, it would have been eradicated by now). The conservatives had little regard for child poverty which is why it is now at the levels it is. The conservatives did reduce the welfare bill for the poorest working age families but not (I think) overall.

I wish more people did think like me actually, I think the country would be a kinder place and, if I was in power, there'd be fewer children in poverty.

(and fwiw I don't know why you're assuming that I'm taking anything but I'm personally very happy for the taxes I pay to be used to alleviate child poverty).

MuckFusk · 29/07/2025 17:34

HelenHywater · 29/07/2025 17:20

I'm also intrigued by those saying that they are subsidising all of these feckless parents who are having children they can't afford. Do you all assume your taxes would reduce if people only had children they could afford? (I assume you would still be paying for disabled children, disabled parents and widowed parents?).

Tax doesn't work like that - your taxes wouldn't reduce. And in any case, we don't get to choose where our taxes go. I don't smoke, why should I subsidise those with smoking related illnesses? I'm not obese, likewise. I'm not infertile, why should I fund fertility treatment? If I'm vegan, why should I subsidise farmers, if I don't use a library, or drive a car, why should I contribute to those? I'm not old either and don't have any old people in my family, and in fact have a substantial pension, so maybe I shouldn't fund other people's pensions who haven't been as organised (and as rich) as me. I am a pacifist, I certainly don't agree to increase the spend on missiles and reduce foreign aid. I do want my taxes to fund asylum seekers, children with SEND, state schools and the bits of the NHS I use. But we can't pick and choose, and nor should we - that's not the basis of the way our state or our welfare state is run.

Great points. We all subsidize things we may not agree with or have no personal stake in and you have given excellent examples. The same people moaning about subsidizing other people's children are also the beneficiaries of tax dollars in many ways themselves.

ThatBoldBear · 29/07/2025 17:34

HelenHywater · 29/07/2025 17:20

I'm also intrigued by those saying that they are subsidising all of these feckless parents who are having children they can't afford. Do you all assume your taxes would reduce if people only had children they could afford? (I assume you would still be paying for disabled children, disabled parents and widowed parents?).

Tax doesn't work like that - your taxes wouldn't reduce. And in any case, we don't get to choose where our taxes go. I don't smoke, why should I subsidise those with smoking related illnesses? I'm not obese, likewise. I'm not infertile, why should I fund fertility treatment? If I'm vegan, why should I subsidise farmers, if I don't use a library, or drive a car, why should I contribute to those? I'm not old either and don't have any old people in my family, and in fact have a substantial pension, so maybe I shouldn't fund other people's pensions who haven't been as organised (and as rich) as me. I am a pacifist, I certainly don't agree to increase the spend on missiles and reduce foreign aid. I do want my taxes to fund asylum seekers, children with SEND, state schools and the bits of the NHS I use. But we can't pick and choose, and nor should we - that's not the basis of the way our state or our welfare state is run.

I’m Intrigued how you think taxes do work? Taxes absolutely would go down if people stopped rinsing the system and paid their own way.

All the things you mentioned are fine to discuss, start a thread on them.

ThatBoldBear · 29/07/2025 17:27

HelenHywater · 29/07/2025 17:14

Well no, because there's a two child limit and you don't get benefits for a third or subsequent child. Which even by the Government's own research hasn't worked in achieving what it set out to do (to reduce the number of children that are born) but has only pushed more children into poverty.

Ok. So experts wouldn’t advise someone living in poverty against having another child and the two child limit on benefits aim was to reduce the number of children that were born?

Does any of that not ring true for you? It’s just pure entitlement. What would happen if everyone thought like you and just took all the time with no regard for anyone else?

HelenHywater · 29/07/2025 17:20

I'm also intrigued by those saying that they are subsidising all of these feckless parents who are having children they can't afford. Do you all assume your taxes would reduce if people only had children they could afford? (I assume you would still be paying for disabled children, disabled parents and widowed parents?).

Tax doesn't work like that - your taxes wouldn't reduce. And in any case, we don't get to choose where our taxes go. I don't smoke, why should I subsidise those with smoking related illnesses? I'm not obese, likewise. I'm not infertile, why should I fund fertility treatment? If I'm vegan, why should I subsidise farmers, if I don't use a library, or drive a car, why should I contribute to those? I'm not old either and don't have any old people in my family, and in fact have a substantial pension, so maybe I shouldn't fund other people's pensions who haven't been as organised (and as rich) as me. I am a pacifist, I certainly don't agree to increase the spend on missiles and reduce foreign aid. I do want my taxes to fund asylum seekers, children with SEND, state schools and the bits of the NHS I use. But we can't pick and choose, and nor should we - that's not the basis of the way our state or our welfare state is run.

Frazzled83 · 29/07/2025 17:19

HelenHywater · 29/07/2025 15:10

What @Frazzled83 says.

@ThatBoldBear there is not one expert who works in the field of poverty or poverty alleviation that says the answer is for parents to only have children that they can afford. Nor is there one expert that says if that happened (which, quite frankly, would be impossible, as it completely ignores the possibility of a parent dying, becoming disabled, being divorced * losing their job unexpectedly, having to leave their job to care for a disabled child etc etc) then poverty would be eradicated.

The causes of poverty are very complex and made up of far more issues than people having children they can't afford. If you want to eradicate poverty, then providing a basic level of state issued social security is one key element (I don't think anyone on this thread is going to say that our welfare state should be abolished), as is affordable housing, childcare, wages and essentials.

As for parents that have children they can't afford, as you'll know if you were an expert in this area, most parents who are claiming Universal Credit are working (and that includes single parents, where 66% are in work). In work poverty is the fastest growing area of poverty. The solution to in work poverty isn't to remove or reduce benefits.

If you are suggesting that the government should assess each claimant on the basis that it's their fault they are in poverty because they had children they couldn't afford (and this would have to ignore all of the people who died, became disabled, caring for a disabled child etc etc), and therefore only give benefits to those parents it deemed faultless in this regard, I'd wonder what your criteria would be for that? I'd also wonder whether you are happy with the end result of removing benefits from those parents - that THEIR CHILDREN are in poverty and are going without food, warmth, clothing. But maybe that would be alright because you're not rewarding those selfish parents who are having children they can't afford.

*On the feckless father thing - yes, of course it is morally reprehensible for fathers not to pay for their children but there needs to be a huge shift in attitudes for that to trickle down. And we need a working CMS which we don't have at the moment. And even if all the children who were entitled to maintenance got it, it would only lift 66% of those children who are in poverty, out of it. So it doesn't include children who aren't entitled to child maintenance and in any case isn't the complete answer.

Ooooh I like you ❤️ 👏🏼

MuckFusk · 29/07/2025 17:17

Nowherefast4 · 29/07/2025 08:57

I was going to reply, but you said it much better. My only additional points are 1. many people can't work for disability reasons, yet are told "get a job" when actually health doesn't work that way and they need real finacial support and a workforce that isn't at it's core ableist 2. The current welfare system penalises people with virtually any savings, so poverty becomes multigenererational - the stories you hear of children brought up in poverty who've gone on to massive success are the outliers. 3. It's only ever UC, PIP, single parents who don't fit the strict criteria (e.g. not widows) or mums with 'too many' children who are slammed. What do you think pensions, SMP, childcare benefit are, if not benefits? Stop attacking the lowest hanging fruit, it's cruel. When people are living hand-to-mouth, in a rented home with no savings or pension they cannot be savvy with their investments or taxes even if you can. Sure, enjoy your privilege, but don't be naive about it. A laissez faire attitude to society benefits a core group and leaves another core group vulnerable.

Edited

Absolutely agree with all your points. I have a disabled daughter. If people were to dare to dismissively suggest she is too "lazy" to work or to that she should "make better choices," I'd be sorely tempted to knock their teeth down their throats. A right wing nut once seemed like he was working up to saying something of that nature, but he snapped his mouth shut, probably because he saw the murderous look on my face. 😄

LakieLady · 29/07/2025 17:14

Firefly1987 · 28/07/2025 22:26

No but what about all the people who are having to limit their family sizes because they can't afford another kid? Or foregoing having children completely? How is that fair? What does someone get for being responsible? Absolutely bugger all.

There will always be people who make unwise choices, or are simply feckless, but I don't think it's reasonable, or fair, tfor their children to pay the price for having foolish or feckless parents.

HelenHywater · 29/07/2025 17:14

ThatBoldBear · 29/07/2025 16:19

No expert suggests to people in poverty to not have anymore children? I guess because of the benefits they can access? Sums up the issue really. It’s obscene to have half the country living within their means by limiting the number of children they have to those they can look after whilst being forever squeezed to pay for the other half who don’t even consider it.

Well no, because there's a two child limit and you don't get benefits for a third or subsequent child. Which even by the Government's own research hasn't worked in achieving what it set out to do (to reduce the number of children that are born) but has only pushed more children into poverty.

ruethewhirl · 29/07/2025 16:31

bumblecoach · 25/07/2025 11:58

Obviously, I think that was the point. I was making very clear.

Each to their own, but not for me back in the day when I was considering who the father of my children would be

I'm sure the wives of Alan Sugar, James Dyson, Richard Branson, Duncan Bannatyne etc etc aren't exactly crying into their millions...

And yes, obviously these are extreme examples of successful self-employed men, but equally it's insulting to imply self-employed people are mostly deadbeats and failures.

ThatBoldBear · 29/07/2025 16:19

HelenHywater · 29/07/2025 15:10

What @Frazzled83 says.

@ThatBoldBear there is not one expert who works in the field of poverty or poverty alleviation that says the answer is for parents to only have children that they can afford. Nor is there one expert that says if that happened (which, quite frankly, would be impossible, as it completely ignores the possibility of a parent dying, becoming disabled, being divorced * losing their job unexpectedly, having to leave their job to care for a disabled child etc etc) then poverty would be eradicated.

The causes of poverty are very complex and made up of far more issues than people having children they can't afford. If you want to eradicate poverty, then providing a basic level of state issued social security is one key element (I don't think anyone on this thread is going to say that our welfare state should be abolished), as is affordable housing, childcare, wages and essentials.

As for parents that have children they can't afford, as you'll know if you were an expert in this area, most parents who are claiming Universal Credit are working (and that includes single parents, where 66% are in work). In work poverty is the fastest growing area of poverty. The solution to in work poverty isn't to remove or reduce benefits.

If you are suggesting that the government should assess each claimant on the basis that it's their fault they are in poverty because they had children they couldn't afford (and this would have to ignore all of the people who died, became disabled, caring for a disabled child etc etc), and therefore only give benefits to those parents it deemed faultless in this regard, I'd wonder what your criteria would be for that? I'd also wonder whether you are happy with the end result of removing benefits from those parents - that THEIR CHILDREN are in poverty and are going without food, warmth, clothing. But maybe that would be alright because you're not rewarding those selfish parents who are having children they can't afford.

*On the feckless father thing - yes, of course it is morally reprehensible for fathers not to pay for their children but there needs to be a huge shift in attitudes for that to trickle down. And we need a working CMS which we don't have at the moment. And even if all the children who were entitled to maintenance got it, it would only lift 66% of those children who are in poverty, out of it. So it doesn't include children who aren't entitled to child maintenance and in any case isn't the complete answer.

No expert suggests to people in poverty to not have anymore children? I guess because of the benefits they can access? Sums up the issue really. It’s obscene to have half the country living within their means by limiting the number of children they have to those they can look after whilst being forever squeezed to pay for the other half who don’t even consider it.

ruethewhirl · 29/07/2025 16:06

Firefly1987 · 27/07/2025 23:55

No crystal balls needed. The bloke sees his kid twice a year max and doesn't pay towards him-I'm not sure any of his past behaviour would be screaming "Mr Responsible" unless he had a personality transplant.

That's a different point than 'knowing would be so much help available' as you said in your previous post. And you seem to be assuming a lot of women make a bee-line for deadbeat dads, which I wouldn't have thought would be the case at all.

ruethewhirl · 29/07/2025 15:56

Viviennemary · 24/07/2025 22:13

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

Nor was I suggesting they should. I was attempting to counter the pp's use of 'better themselves' as that poster was talking as though work and money were the only ways in which a person can better themselves.

ruethewhirl · 29/07/2025 15:45

thatsalad · 24/07/2025 21:59

What actually doesn't make sense is that office hours are 9-5, instead of being shorter and at the same time as school hours so parents wouldn't have these logistical problems.

I do agree with you there.

HelenHywater · 29/07/2025 15:10

What @Frazzled83 says.

@ThatBoldBear there is not one expert who works in the field of poverty or poverty alleviation that says the answer is for parents to only have children that they can afford. Nor is there one expert that says if that happened (which, quite frankly, would be impossible, as it completely ignores the possibility of a parent dying, becoming disabled, being divorced * losing their job unexpectedly, having to leave their job to care for a disabled child etc etc) then poverty would be eradicated.

The causes of poverty are very complex and made up of far more issues than people having children they can't afford. If you want to eradicate poverty, then providing a basic level of state issued social security is one key element (I don't think anyone on this thread is going to say that our welfare state should be abolished), as is affordable housing, childcare, wages and essentials.

As for parents that have children they can't afford, as you'll know if you were an expert in this area, most parents who are claiming Universal Credit are working (and that includes single parents, where 66% are in work). In work poverty is the fastest growing area of poverty. The solution to in work poverty isn't to remove or reduce benefits.

If you are suggesting that the government should assess each claimant on the basis that it's their fault they are in poverty because they had children they couldn't afford (and this would have to ignore all of the people who died, became disabled, caring for a disabled child etc etc), and therefore only give benefits to those parents it deemed faultless in this regard, I'd wonder what your criteria would be for that? I'd also wonder whether you are happy with the end result of removing benefits from those parents - that THEIR CHILDREN are in poverty and are going without food, warmth, clothing. But maybe that would be alright because you're not rewarding those selfish parents who are having children they can't afford.

*On the feckless father thing - yes, of course it is morally reprehensible for fathers not to pay for their children but there needs to be a huge shift in attitudes for that to trickle down. And we need a working CMS which we don't have at the moment. And even if all the children who were entitled to maintenance got it, it would only lift 66% of those children who are in poverty, out of it. So it doesn't include children who aren't entitled to child maintenance and in any case isn't the complete answer.

Btowngirl · 29/07/2025 15:06

PixiePuffBall · 28/07/2025 21:23

The government's "free hours" do not provide childcare settings with the amount it actually costs to care for one child. This is part of the reason childcare settings must charge "top up" fees and costs are astronomical for anyone who does not qualify for those hours for whatever reason. Nothing is ever "free" as the funds have to come from somewhere. It's not complicated.

Why can't ambitious people on low incomes strive for better paying jobs...?

Does it occur to you that people with the means and the smarts to structure their taxes aren't all evil baddy meanies but actually have family, even children, who they wish to take care of, ahead of giving money to other people's kids via welfare and subsidies?

Any nursery we have ever used don’t charge top ups for fully paid days. IE funded hours incur extra fees per day (for example our current nursery would charge £16.50 per day of govt funded hours). The daily rate stays the same for self funding without additional top ups. Our previous nursery charged double rate per hour over the govt hours so again, it was only those using the hours that paid extra. Obviously not sure where you live but if you are being charged more for not using subsidised hours, it might be worth scoping out what local nurseries do. We viewed 5 a few months ago and they all had different set ups. Im a big supporter of the subsidised hours getting lower paid workers back into work but if you are being disadvantaged you could look into other options!

ThatBoldBear · 29/07/2025 14:54

@Frazzled83 Again you’re jumping all over the place. You’ve accused me of arguing children should be cold and hungry, calling people scroungers, riding a Shetland pony across a car park (???), saying benefits are used for scratch cards. I’ve not said any of these things. All I’ve said in response to another of your straw man posts to someone else saying ‘so poor people can’t have children’ is that people can have as many children as they want as long as they take responsibility and pay for them. It seems a sensible way to conduct ourselves, having children you expect other people to take care of would result in…..well a deteriorating society like we have.

I’m happy to continue to discuss this with you, but can you calm down a little bit with the theatrics and accusations. It’s a little OTT.

Frazzled83 · 29/07/2025 14:21

ThatBoldBear · 28/07/2025 22:48

You’re jumping all over the place tieing yourself in knots over a very simple concept: parental responsibility. You seem to want someone to blame for malnourished kids living in poverty, I suggest you take it up with the people who put them in that situation by having kids they can’t look after. I can’t really make this any simpler for you.

I’m absolutely not, it’s not my fault you can’t follow an argument that’s more nuanced than ‘stupid lazy scroungers sponging off the state’. It is absolutely more nuanced than that. Parents who are struggling financially can still be responsible for their kids. This isn’t about someone going and spending their dole money on fags and scratch cards, it’s about a society that has made the gap between the rich and the poor so ridiculously huge and people needing help with the cost of living is always going to part of that in a civilised society. I put a link somewhere further up thread that looks at the myth of the welfare state in more detail if you’re in any way interested in understanding why your opinions make mine and many others’ blood boil. You’ll notice that these tend to be people who either have personal lived experience or work in sectors where people who require financial support are actual human beings we connect with rather than judge from atop our lovely high horses. I also come from a family where my widowed grandmother raised three young children who often had to choose between hearing their house and eating and can see the impact that had on my mum and her siblings in terms of their access to education and life chances. In fact, I was afforded better educational opportunities because my parents were able to claim some benefits for my disabled brother when this meant my mum couldn’t work anymore and I used this to build a career which involves compassionately helping others. I owe so much to the welfare state and guess what? I pay SHIT LOADS of tax. So tell me again that it doesn’t work.

Crikeyalmighty · 29/07/2025 09:24

@ruethewhirl I’ve already said previously that certainly at the minimum wage level, it wasn’t that much different on the numbers in Denmark or Sweden wages wise and much higher tax , the issue in the uk is ‘costs- ‘ housing costs for many are far too high particularly so in the southern half of the country , we have council tax, which they didn’t, utility costs aren’t controlled as we sold it all off and there is quite a strong expectation too that women with young children expect to be able to work part time, if at all- that expectation is not there in those country’s, and they have cheap and good childcare in place too to fit that expectation , from babyhood upwards.

ruethewhirl · 29/07/2025 09:16

ThatBoldBear · 24/07/2025 21:12

They are not baying about that, they’re baying that they have to pay so much tax to pay for it. The money comes from people who are also ‘doing their best’ and it’s well past what is acceptable now.

But none of what you're saying there conveys any anger that wages are so low. Does that mean you think the low pay culture in this country is acceptable?