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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:
SameOldMe · 25/07/2025 16:43

SameOldMe · 25/07/2025 16:33

Agree its the system that needs changin, in my opinion work needs to pay.

One over the tax threshold you only take home .32p in every pound earned. So at nmw your only taking home 3.90 a hour.
factor in high childcare costs and or commute, and you would be lucky to actually take any money home.

A UC claimant earning over the tax threshold, paying £1000 a month for the childcare needed would have to work an extra 10 hours a week to just break even (if they are lucky enough to not commute). So I can't see why a single mother with no support would want to work more than part time as it currently stands.

SameOldMe · 25/07/2025 16:33

january1244 · 25/07/2025 14:55

I replied in the comment straight after. The minimum income limits are ridiculously low, which is probably causing the resentment from those that don’t claim. The limits need to be amended, as they adversely encourage behaviour, and very part time working. It is the system which needs changing

Agree its the system that needs changin, in my opinion work needs to pay.

One over the tax threshold you only take home .32p in every pound earned. So at nmw your only taking home 3.90 a hour.
factor in high childcare costs and or commute, and you would be lucky to actually take any money home.

january1244 · 25/07/2025 16:25

MugsyBalonz · 25/07/2025 15:07

Depending on claimant commitments, DWP can encourage increasing hours and impose sanctions if someone is not taking steps to increase their hours (e.g., looking for a new job). There is also a minimum threshold requiring claimants in work to be earning the equivalent of 18hrs at NMW unless exempt (e.g., disability, caring commitments).

Yes but this is exactly what I mean. 18 hours minimum wage equivalent is very part time. Especially if you earn more an hour, and can work less than that. But you are topped up to a full time wage for half the work, with no further work commitments

LakieLady · 25/07/2025 15:21

TizerorFizz · 25/07/2025 08:48

@LakieLadyThats not an average rent though! It’s pretty high. It’s £600 a month cheaper in my commuter town 40 miles from London. I’ve seen perfectly nice places for under £1000 in MK. So there’s obviously choices to be made to avoid huge rents.

Where she would be 3 hours travelling time from her entire family, her child's father and paternal grandmother and all her friends, and would have to find a new job!

bumblecoach · 25/07/2025 15:08

cadburyegg · 25/07/2025 14:46

It’s not exactly helpful advice when kids are already here is it? How does your advice help anyone on this thread in a similar position? It comes across as patronising and superior which of course you already know.

And the idea that women should leave their kids with their useless exes is hilarious. You think men who get out of paying maintenance would agree to have their kids full time? Do you think that’s in the best interests of the kids?

And as for leaving the children with the men it’s a fucking good idea and more people should do it because the level of support they receive when they’re single parents would blow your mind.

bumblecoach · 25/07/2025 15:07

cadburyegg · 25/07/2025 14:46

It’s not exactly helpful advice when kids are already here is it? How does your advice help anyone on this thread in a similar position? It comes across as patronising and superior which of course you already know.

And the idea that women should leave their kids with their useless exes is hilarious. You think men who get out of paying maintenance would agree to have their kids full time? Do you think that’s in the best interests of the kids?

Perhaps the advice wasn’t aimed at you then ?

MugsyBalonz · 25/07/2025 15:07

january1244 · 25/07/2025 14:55

I replied in the comment straight after. The minimum income limits are ridiculously low, which is probably causing the resentment from those that don’t claim. The limits need to be amended, as they adversely encourage behaviour, and very part time working. It is the system which needs changing

Depending on claimant commitments, DWP can encourage increasing hours and impose sanctions if someone is not taking steps to increase their hours (e.g., looking for a new job). There is also a minimum threshold requiring claimants in work to be earning the equivalent of 18hrs at NMW unless exempt (e.g., disability, caring commitments).

january1244 · 25/07/2025 14:55

MugsyBalonz · 25/07/2025 14:22

There is a benefit cap so people receiving the equivalent of £3.5k a month are either in receipt of disability benefits or are working and earning over the minimum income floor.

I replied in the comment straight after. The minimum income limits are ridiculously low, which is probably causing the resentment from those that don’t claim. The limits need to be amended, as they adversely encourage behaviour, and very part time working. It is the system which needs changing

cadburyegg · 25/07/2025 14:46

bumblecoach · 25/07/2025 14:42

How is that tearing anybody down?

It’s advice, People can take it or leave it, but it worked out well for me.

It’s not exactly helpful advice when kids are already here is it? How does your advice help anyone on this thread in a similar position? It comes across as patronising and superior which of course you already know.

And the idea that women should leave their kids with their useless exes is hilarious. You think men who get out of paying maintenance would agree to have their kids full time? Do you think that’s in the best interests of the kids?

bumblecoach · 25/07/2025 14:42

cadburyegg · 25/07/2025 14:41

I hope tearing others down makes you feel better about yourself 👍

How is that tearing anybody down?

It’s advice, People can take it or leave it, but it worked out well for me.

cadburyegg · 25/07/2025 14:41

bumblecoach · 25/07/2025 14:37

Correct and that was definitely judgement not luck

I hope tearing others down makes you feel better about yourself 👍

bumblecoach · 25/07/2025 14:37

cadburyegg · 25/07/2025 13:43

Presumably you didn’t marry a man who had always been employed, for him to move out then quit his job to become self employed after he was chased for maintenance.

Correct and that was definitely judgement not luck

MugsyBalonz · 25/07/2025 14:22

january1244 · 25/07/2025 10:13

There’s a cap if you don’t work

There is a benefit cap so people receiving the equivalent of £3.5k a month are either in receipt of disability benefits or are working and earning over the minimum income floor.

Lastgig · 25/07/2025 14:19

Both my brothers and my sisters exs paid their maihtance until aged 21 ( crap at being married but OK at being financially decent). Our mother would have whipped their bums if they didn't. We had no idea my niece would be left living in poverty but the abuse was horrendous. She did 5 years. He was still filming her until recently.
We all try to help her out and she is intending to go back to work full time.
There are a lot of shit guys out there.
Attachment to earnings is usually the only way to get any money out of them. They should be ashamed but they're not hence the crazy ex stories.

cadburyegg · 25/07/2025 13:43

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

Presumably you didn’t marry a man who had always been employed, for him to move out then quit his job to become self employed after he was chased for maintenance.

ThatBoldBear · 25/07/2025 12:08

ruethewhirl · 25/07/2025 11:48

Shock! Horror! Not… SOCIALISM?! 😱🙄

Well yeah shock horror, its track record is abysmal.

bumblecoach · 25/07/2025 11:58

ruethewhirl · 25/07/2025 11:51

So you regard self-employed people as a bad dating prospect?

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

ruethewhirl · 25/07/2025 11:51

bumblecoach · 25/07/2025 10:20

You can give yourself a fighting chance by minimising those risks though, Not having children with somebody who was self-employed in the first place
And secondly, if that’s the game they want to play I would be giving the kids to them. And if they’re lucky, I’ll have them every other weekend. More women need to do that.

So you regard self-employed people as a bad dating prospect?

ItsNotYou852 · 25/07/2025 11:50

XenoBitch · 24/07/2025 20:55

Not all employers are massive companies though.

DM has a cleaning company, and most of her staff are on NMW... and she can't pay more because that is how much she gets for wages from the companies she tendering for. If that makes sense. DM is in a little bit more than NMW herself and she has to do all the admin etc too.

I understand that. I work for a small family business where the boss is constantly worried, and if it wasn't for her pension she couldn't manage!
But if a genuine living wage was mandated then all your DMs competitors would have to raise their prices too, so the playing field would still be level.
And we would have to raise the cafe prices, all adding to the COL and eating up some of the increased wages.

I don't pretend to have all the answers, but making sure that people who are working hard for a living can actually live on their wages seems a good starting point.

Winterwonders24 · 25/07/2025 11:50

DuckbilledSplatterPuff · 24/07/2025 17:01

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.

Not a strong point about NI this week, when it is clear pension entitlement is in the sights for savings/cuts

ruethewhirl · 25/07/2025 11:48

TheaBrandt1 · 25/07/2025 10:58

It’s socialism the back door isn’t it? We are living in a socialist state but haven’t realised
it.

Shock! Horror! Not… SOCIALISM?! 😱🙄

MsJen · 25/07/2025 11:38

I work full time, pay a lot of tax. Could I that as a single parent of 2 kids, dad not involved/contributing, and no family help with childcare if paid childcare is out of reach? Could anyone?

Sounds like you’re doing your best OP. Anyone could find themselves in more difficult circumstances.
I’ve been a single parent but luckily me ex had the kids 50-50 so I just worked as much as I could on those days , shorter hours on the kids days with my mum helping with pickups. It was hard and I got no benefits but appreciate I couldn’t have done that alone.

BoudiccaRuled · 25/07/2025 11:24

If she uses the roads, NHS and schools, she's still "taking" an awful lot more than she's paying into the system. One child in school is £5000-8000 paid by the taxpayer for starters. Giving birth alone costs hundreds if not thousands to the taxpayer.
She can whinge all she wants, but is being massively supported by the state indirectly.

TheaBrandt1 · 25/07/2025 10:58

It’s socialism the back door isn’t it? We are living in a socialist state but haven’t realised
it.

Crikeyalmighty · 25/07/2025 10:53

@allthemiddlechildrenoftheworld I’m so very sorry for your loss. and yes I think we will be working till your ages too - at least we have a business that’s interesting. Yes we ourselves didn’t plan on having a business go bust in our mid 40s due to 2 suppliers going down owing us large amounts, meaning we had to start again and hence couldn’t buy a home as by the time our credit was ok again we couldn’t get mortgages as ‘too old’ nor have we inherited - lovely in laws still around.
people are very judgemental - I’m actually really socially minded, I’m not right wing but I changed my mind totally on the fact that people will work the system to their advantage and don’t give a shit when a lady working for me wanted only a set number of hours that kept her below being able to claim the maximum but without being hassled - single mum yes ,but her child was 11 . She was as they say ‘all there’ when it came to claiming.

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