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That a single parent having her salary topped up to over £6k shows how unaffordable family life now is

381 replies

Tryingtryingandtrying · 26/11/2025 23:37

I was reading about a woman, take home pay if £2800 and topped up by UC to over 6k. This must be £100k or thereabouts equivalent before tax. How can this be fair when earning that much actually loses you child benefit and free childcare? As she has 3 kids she will now be even more better off, not sure what the answer is though.

OP posts:
StatisticallyChallenged · 27/11/2025 08:05

As many others have said it makes no sense withdrawing childcare at £100k income, whilst topping someone else up to a higher equivalent income to cover childcare. That's utterly insane. The 100k childcare cliff edge is stupid anyway but I've seen so many on here telling parents in this position that they're wealthy, they don't need the taxpayer to fund them, they can pay for their own children, and using pensions to drop under 100k makes them all kind of nasty bastards. Yet you can - evidenced by various calculators - end up with more income if you earn less.

That's a stupid distortion in the system which creates disincentives to earning more - which would ultimately benefit the taxpayer.

EvangelicalAboutButteredToast · 27/11/2025 08:04

Christmascarrotjumper · 27/11/2025 07:52

Nobody made her have 3 kids in an expensive one bedroom flat. Most educated people are more sensible than that.

Exactly. Why are the tiny violin brigade so quick to start playing a tune when it’s benefit claimants. Bizarre.

RainbowBagels · 27/11/2025 08:04

Namechange822 · 27/11/2025 05:49

I am a single parent, two kids, comfortably off and don’t claim benefits.

Stories like this really wind me up. The mum in this scenario is there, working, supporting her kids. She’s earning £2800 a month, which pretty much covers her half of the costs of raising her kids, whilst also doing the lions share of parenting.

According to the figures they’ve published, the state are covering the other half. Why is the criticism levelled at the parent who stayed? And not the one who left? Why isn’t the dad supporting his own children?

This situation is so common, and maintenance is so poorly and irregularly paid, that it isn’t even counted for universal credit income. If the country wants to spend less on universal credit then the focus needs to be on criminalising the fathers who left and stop supporting their kids, and not on criticising the mothers who stayed.

I agree. No mention of the father. We should be prosecuting men who don't pay maintenance and coming down hard on them. Automatic salary sacrifice, removal of benefits, imprisonment, whatever.

Cucy · 27/11/2025 08:03

Crazybigtoe · 27/11/2025 07:54

It really isn't BS. Sadly.

Doesn't feel right does it?

The woman, 3 children living in London, is eligible for and receives into her household £6142 UC plus CB plus income.

To have £6142 in your pay packet after tax and NI, you would need a salary of £113k.

Edited

Where are you getting these figures from?

My friend is a single parent in London with 3 kids and her maximum allowance is about £2500 and then obviously as she earns this reduces.

Labraradabrador · 27/11/2025 08:03

NotSayingImBatman · 27/11/2025 07:51

£2800 take home is a £45k job, with a 5% pension deduction. Thea presumably has a fairly decent job, by the metrics of anywhere but MN. Imagine working hard to become a progressed social worker, an experienced teacher or a Band 7 nurse just to live crammed in a one bedroom flat with three children.

Imagine being on £100k and living the same while everyone tells you actually you are wealthy and so must be living beyond your means

LBFseBrom · 27/11/2025 08:03

ThePolarEspresso · 27/11/2025 01:19

Years ago a tax credit letter (when we had a Tory government) for a neighbour came through my door and I didn't look at who it was addressed to. When I read it my jaw hit the floor, I didn't know that migrants could claim in work benefits at the time and how much they got.

I don't understand how Labour could claim what they did in the manifesto about working people and the Budget be OK.

You obviously read the letter very thoroughly before realising it was not addressed to you.

Migrants are no different to anyone else, if they are living and working here they contribute and are therefore as entitled as the next person to any extras available while they need them.

They must have been on low salaries to be claiming 'in work' benefits.

Christmascarrotjumper · 27/11/2025 08:02

crossedlines · 27/11/2025 07:57

I agree, it comes across as a massive sense of entitlement. I feel sorry for her kids actually, their identity being plastered over the media just so she can bang on endlessly on her pet topic

Single mum of 3, in a one bed flat, on purpose. I'd be ashamed of myself, not advertising it. Poor kids.

TiredCatLady · 27/11/2025 08:02

Christmascarrotjumper · 27/11/2025 07:52

Nobody made her have 3 kids in an expensive one bedroom flat. Most educated people are more sensible than that.

And she’s on record as being a single mother in a 1 bed flat after she had the first. But somehow went on to have two more, still as a single mother, apparently with the same bloke.
She’s been in the media so much I don’t know how no one has called her out on it.
The CNN interview was ridiculous.

LeadBubbles · 27/11/2025 08:02

SoloTripSoloVibes · 27/11/2025 07:59

What I mean is you are aware of the costs before you have a child. You make the choice to have a child, and thus choose the childcare costs.

But all the research shows that changes in the 2 child cap, child benefits and etc. do NOT have an impact on how many children people have. It just means more or less kids in poverty. And let's not forget, we're all only a few pay slips away from poverty. The day you lose your job, your partner passes away, you come into ill health, etc.etc. and you're screwed.

TeenagersAngst · 27/11/2025 08:01

MairOldAlibi · 27/11/2025 07:47

Universal Credit: the government’s landlord subsidy.

Maybe the government should build more social housing and stop using the private rental sector as a whipping boy when it suits them.

InlandTaipan · 27/11/2025 08:01

MairOldAlibi · 27/11/2025 07:47

Universal Credit: the government’s landlord subsidy.

The alternative is to build a lot more social housing and stop rightbto buy. The conservatives wouldn't do it and it doesn't look as though Labour is keen either.

Cucy · 27/11/2025 08:00

Pigeonpoodle · 27/11/2025 06:46

So basically, Labour are saying to two neighbours with young children, one who’s worked their butt off to earn £100k, and the other who’s coasted into a £30k job…

”Neighbour 1: You earn £100k? You filthy rich POS, we’ll tax you to the hilt and remove every last benefit. Cry me a river if you’re struggling.”

”Neighbour 2: You earn £30k? Poor you! We’ll open the cheque book and give you so many benefits that it will be like you had a £113k job! How will we pay for this? We’ll just take it from the thousands in taxes we’re taking from your moneybags neighbour earning £100k”

I can’t believe the mess Rachel Reeves has created! Surely I’ve missed something?!

You don’t think people earning £30k a year work their butts off??

I think you don’t live in the real world.

Less than 5% of people make over £100k a year and the majority of those people are men (usually single or have wives to do everything for them or come from wealthy backgrounds).

The average salary is £33k.

Just because someone is not in the top 5% of earners doesn’t mean they don’t work their butts off.

This woman works full time and raises 3 kids alone (I don’t believe she receives as much as OP says) but she is not the one you should be looking down your nose at.

TeenagersAngst · 27/11/2025 08:00

thewintergarden · 27/11/2025 07:41

Err, £2k is not 60% of £6k

She doesn’t receive 6k in benefits

Labraradabrador · 27/11/2025 07:59

Hedgehogbrown · 27/11/2025 07:31

Can you do maths? 6k*12=72

Do you understand how income tax works?

Crikeyalmighty · 27/11/2025 07:59

@Pigeonpoodle interesting how none of you had a big issue with this under the Tory’s and for very many years on their watch it was like this- they also brought in child maintanance not being part of UC assessment - I think that’s mad too , - encourages people like the person i know doing next to bugger all but getting the full whack - plus keeping the £800 a month maintenance on top

SoloTripSoloVibes · 27/11/2025 07:59

LeadBubbles · 27/11/2025 07:56

Thanks for being so obtuse about what I said. I was answering to "you choose crippling childcare costs when you decide to have children" and I disagree. Most people choose to have children because they desire it, not because of childcare costs. And if childcare costs come into play for you decision, it is extremely sad and not the fault of other people having X amount of kids, but because of the badly funded childcare system.

What I mean is you are aware of the costs before you have a child. You make the choice to have a child, and thus choose the childcare costs.

zaxxon · 27/11/2025 07:58

thewintergarden · 27/11/2025 07:41

Err, £2k is not 60% of £6k

She doesn't receive £6k a month in benefits - it's more like £3,342, as quoted above. She works full time and takes home about £2,800, which makes up the balance of the £6k figure.

crossedlines · 27/11/2025 07:57

Christmascarrotjumper · 27/11/2025 07:52

Nobody made her have 3 kids in an expensive one bedroom flat. Most educated people are more sensible than that.

I agree, it comes across as a massive sense of entitlement. I feel sorry for her kids actually, their identity being plastered over the media just so she can bang on endlessly on her pet topic

LeadBubbles · 27/11/2025 07:56

Radiator981 · 27/11/2025 07:38

Hands down @LeadBubblesthe most ridiculous thing I’ve ever fucking heard. Of course we all desire a hell of a lot stuff, I too desired many children but I knew we could not afford more than two!

There is a hell of a lot stuff I desire in my core that I’ve not done 😂. Someone please put @LeadBubblescomment in favourites somewhere.

Thanks for being so obtuse about what I said. I was answering to "you choose crippling childcare costs when you decide to have children" and I disagree. Most people choose to have children because they desire it, not because of childcare costs. And if childcare costs come into play for you decision, it is extremely sad and not the fault of other people having X amount of kids, but because of the badly funded childcare system.

NotSayingImBatman · 27/11/2025 07:56

Christmascarrotjumper · 27/11/2025 07:52

Nobody made her have 3 kids in an expensive one bedroom flat. Most educated people are more sensible than that.

Well, like it or not, she clearly is educated as that’s generally required to get a £45k job…

Don’t worry too much, order will be restored in a few years when Thea’s children and the children of the hypothetical single parent earning £100k leave nursery and go to school. Thea’s monthly income will drop by £2600, but the HSP won’t. Nursery fees are tough on everyone.

Crazybigtoe · 27/11/2025 07:54

Cucy · 27/11/2025 07:53

This is BS.

I am a single parent and if I earned that much I would not be entitled to anything.

I think mine stops completely if I earn over £1500 a month.

Obviously if you live in a more expensive area you may get more but there’s still a cap on how much rent it will pay towards.

Does she receive disability payments? As these are obviously much higher than bog standard UC payments.

Also anyone can claim UC.
It goes by their earnings and outgoings.

If she is entitled to UC and you are not, then that means you have more disposable income than she does.

It really isn't BS. Sadly.

Doesn't feel right does it?

The woman, 3 children living in London, is eligible for and receives into her household £6142 UC plus CB plus income.

To have £6142 in your pay packet after tax and NI, you would need a salary of £113k.

Cucy · 27/11/2025 07:53

This is BS.

I am a single parent and if I earned that much I would not be entitled to anything.

I think mine stops completely if I earn over £1500 a month.

Obviously if you live in a more expensive area you may get more but there’s still a cap on how much rent it will pay towards.

Does she receive disability payments? As these are obviously much higher than bog standard UC payments.

Also anyone can claim UC.
It goes by their earnings and outgoings.

If she is entitled to UC and you are not, then that means you have more disposable income than she does.

Christmascarrotjumper · 27/11/2025 07:52

NotSayingImBatman · 27/11/2025 07:51

£2800 take home is a £45k job, with a 5% pension deduction. Thea presumably has a fairly decent job, by the metrics of anywhere but MN. Imagine working hard to become a progressed social worker, an experienced teacher or a Band 7 nurse just to live crammed in a one bedroom flat with three children.

Nobody made her have 3 kids in an expensive one bedroom flat. Most educated people are more sensible than that.

Crikeyalmighty · 27/11/2025 07:52

I’m actually a centre left voter and totally disagree with raising the benefit cap - it’s perfectly possible to he social minded but realise some people simply see more kids as ‘easy money’ - an extra zero on their bank credit - I know anyone can hit a bad time and I’ve been there and have empathy , but certain people make a career of it - some not very bright on paper people are actually super sharp at maximising benefits. You see them here on mumsnet fiddling around with ‘entitled to’ to see how little they can getaway with working but maximise a claim. It’s going to come crashing down on many of these people when they no longer have kids at home to use as an ATM - I don’t actually mean the person in that feature by the way who clearly works full time but has high rent and childcare I would presume - and that’s why we need to get a grip with social housing and bringing the nursery sector under some kind of fixed cost system available to all like it us in many other countries - . whilst we are this subject, those that get regular maintanance too of pretty good amounts, I fail to see if on benefits why this is not factored in and it’s just allowed as a nice extra ( Tory’s brought it in and clearly couldn’t be arsed to fund the CMS) ) means the person I know gets full rent paid ( very niceHA newish flat) next to full council tax, a fair old allowance for herself and kids ( 2) - plus around £850 a month child maintenance from her ex. She has as much if not more disposable income than many couples working full time or single mums and never does more than about 10 hours a week work , how she gets away with it I don’t know . It seems to me the system is so tight on many things ( the amount single people get for instance if needing to claim - very often it literally only covers the rent given the lack of social rents out there) and yet in other ways it’s far too generous for many others -

NotSayingImBatman · 27/11/2025 07:51

Pigeonpoodle · 27/11/2025 06:46

So basically, Labour are saying to two neighbours with young children, one who’s worked their butt off to earn £100k, and the other who’s coasted into a £30k job…

”Neighbour 1: You earn £100k? You filthy rich POS, we’ll tax you to the hilt and remove every last benefit. Cry me a river if you’re struggling.”

”Neighbour 2: You earn £30k? Poor you! We’ll open the cheque book and give you so many benefits that it will be like you had a £113k job! How will we pay for this? We’ll just take it from the thousands in taxes we’re taking from your moneybags neighbour earning £100k”

I can’t believe the mess Rachel Reeves has created! Surely I’ve missed something?!

£2800 take home is a £45k job, with a 5% pension deduction. Thea presumably has a fairly decent job, by the metrics of anywhere but MN. Imagine working hard to become a progressed social worker, an experienced teacher or a Band 7 nurse just to live crammed in a one bedroom flat with three children.

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