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If you're really fed up of all "your" money going to benefits ....

372 replies

Yesimmoaningaboutbenefits · 27/11/2025 10:18

We really need to be campaigning for more council homes. One of the biggest payouts is housing benefit because of the extortionate private rent costs.

That single mum topping up with UC to bring her to over 100k? (supposedly) Wouldn't happen if her rent wasn't >£2000pcm for a 1 bed flat.

Build a 3 bed house for £300,000 (presumably less with large contracts). Charge £500 rent, they'd make the money back in 50 years even without increases. And houses last more than 50 years!

I know I've read several comments over the years from people saying this. RTB was the worst etc. So why hasn't it happened? Upfront cost. It would cost the government a hell of a lot upfront, despite the astronomical gain further down the line. But if they're not in power when the gains start to show, they get none of the glory. And that's what it boils down to. Elected governments only want something they can boast about within their term. Who cares if it benefits the country in the long run? If it doesn't benefit them short term, it doesn't matter.

Same with education. Better funding will result in more people in work, out of poverty and out of crime in 20 years time. It's the best use of money possible! But no.

SEN funding. Early intervention can prevent children getting to crisis point and keep the gap from widening so they have a chance of staying in school, getting qualifications and contributing to society in the future. Not funding SEN effectively is pretty much cutting off a section of society and forcing them to spend their lives on benefits. Funding could give them a chance. But no.

How many health conditions could be improved by early treatment so people don't end up out of work and incapacitated on benefits?

You've got to spend money to make money...

OP posts:
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5
TopPocketFind · 27/11/2025 12:50

This reply has been deleted

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

And net migration has significantly fallen

Jellybelly66 · 27/11/2025 12:50

crackofdoom · 27/11/2025 10:26

Absolutely. All that "Well people on benefits are getting £££, they must be rolling in it" nonsense.

Their landlords are getting most of that state money, while the claimants themselves are still struggling to make ends meet. Because of high property prices, people who wouldn't normally consider claiming/ be eligible for benefits are having to do so.

Erm not all landlords are raking it in. As a responsible landlord we always carry out and repairs/requests as quickly as possible. By the time we have paid the mortgage, insurance, agents fees, tax there's not a lot of profit left. Yes we do have the property but then we get into the realms of if we sell we are the hit with capital gains tax.Not all landlords scam their tenants for as much money as possible.

Xmasdemon · 27/11/2025 12:47

Vegalyra · 27/11/2025 12:44

I completely agree, OP.

This budget is a missed opportunity. I want a government that takes responsibility for the country’s long-term welfare and is willing to make difficult decisions.

I’d gladly pay more income tax if it meant genuine reform of the welfare system. I want to see real investment in social housing. I don’t believe that simply giving more money to people who won’t use it responsibly will lift their children out of poverty, but investing in Sure Start programmes, early-years support, and education would.

Because the benefits of those investments wouldn’t show up for years, it’s easier for the government to hand out short-term cash and hope for goodwill at the next election. Well, they’ve lost my vote for being ineffective and unwilling to take real action.

You can't just assume people are poor because they are irresponsible. That is completely unfair, and I see it a lot on this site

MO0N · 27/11/2025 12:47

This reply has been deleted

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Xmasdemon · 27/11/2025 12:46

Isekaied · 27/11/2025 12:42

I think the problem with what you've said is that the property value would decrease.

Unless lots of people are selling at the same time. The property value wouldn't necessarily decrease.

And then it's who buys the property.

More likely a big corporation will buy it, maybe someone who is looking for a home. But unlikely council's have enough money for the number of houses needed.

Interesting take. I suppose we would have to have a whole new way of government for it to work, perhaps ?

Vegalyra · 27/11/2025 12:44

I completely agree, OP.

This budget is a missed opportunity. I want a government that takes responsibility for the country’s long-term welfare and is willing to make difficult decisions.

I’d gladly pay more income tax if it meant genuine reform of the welfare system. I want to see real investment in social housing. I don’t believe that simply giving more money to people who won’t use it responsibly will lift their children out of poverty, but investing in Sure Start programmes, early-years support, and education would.

Because the benefits of those investments wouldn’t show up for years, it’s easier for the government to hand out short-term cash and hope for goodwill at the next election. Well, they’ve lost my vote for being ineffective and unwilling to take real action.

Isekaied · 27/11/2025 12:43

MO0N · 27/11/2025 12:26

Children are not pets that we acquire for own amusement or entertainment. They are the next generation of people, vital and necessary.
We need to incentivize people to have children if we are to avoid population collapse.

Population has increased significantly.

Way too early to be worrying about population collapse.

The main concern is caring for the aging population. Definitely not enough being done about that.

Isekaied · 27/11/2025 12:42

Xmasdemon · 27/11/2025 12:21

I don't know much about economics but if rent was regulated, decreasing the value of property and that property was being sold of then couldn't it be bought by the government and they can continue to provide low cost housing ?

Edited

I think the problem with what you've said is that the property value would decrease.

Unless lots of people are selling at the same time. The property value wouldn't necessarily decrease.

And then it's who buys the property.

More likely a big corporation will buy it, maybe someone who is looking for a home. But unlikely council's have enough money for the number of houses needed.

Xmasdemon · 27/11/2025 12:41

MO0N · 27/11/2025 12:26

Children are not pets that we acquire for own amusement or entertainment. They are the next generation of people, vital and necessary.
We need to incentivize people to have children if we are to avoid population collapse.

You're early. The whole tune will change in a few years' time

ObelixtheGaul · 27/11/2025 12:37

It sounds great in theory, but the issues with social housing from a government perspective aren't just pertaining to building the homes.

Social housing has to be maintained. If a government pays a private Landlord, it doesn't have to do any of the work. It doesn't need a team of people answering queries about plumbing issues, etc.

It's basically outsourcing the responsibility of home ownership. After all, the reason for the Right to Buy scheme wasn't to give those on low income a chance to own their own homes, it was to offload the housing stock, a lot of which needed work, updated kitchens and bathrooms, etc.

Baconbuttymad · 27/11/2025 12:36

LakieLady · 27/11/2025 12:31

I'm not convinced about that, tbh.

I need to downsize, and really need something on one level. The service and maintenance charges on a lot of flats are so high that I'd be better off spending a bit more and getting a bungalow.

One flat had charges of £4.5k pa. At first, I thought I was looking at a sheltered housing flat, but it wasn't. Plenty had charges iro £3k and more.

Possibly, but at least they won’t be struggling as much as those with multiple children!

hazelnutvanillalatte · 27/11/2025 12:35

crackofdoom · 27/11/2025 10:35

Why not save your anger for those responsible for high property prices? They're the ones responsible for all of us suffering- just in different ways. Punching down isn't going to improve your situation.

The ones responsible are the super rich and megacorps who dodge taxes and use loopholes like non dom status. Not the middle-high earners who are being targeted now and are already struggling. Labour penalises middle/high earning workers, Tories penalise those on the lowest income and benefits. One certain sector is mysteriously ignored.

LakieLady · 27/11/2025 12:31

Baconbuttymad · 27/11/2025 12:17

Yes! Too many people having kids they can’t afford and then needing bigger houses which they can’t afford.
A family of 3 can get a 2 bed flat for example which is much cheaper to run and bills would be cheaper etc.

I'm not convinced about that, tbh.

I need to downsize, and really need something on one level. The service and maintenance charges on a lot of flats are so high that I'd be better off spending a bit more and getting a bungalow.

One flat had charges of £4.5k pa. At first, I thought I was looking at a sheltered housing flat, but it wasn't. Plenty had charges iro £3k and more.

Ontheirtermsonly · 27/11/2025 12:29

Yesimmoaningaboutbenefits · 27/11/2025 10:18

We really need to be campaigning for more council homes. One of the biggest payouts is housing benefit because of the extortionate private rent costs.

That single mum topping up with UC to bring her to over 100k? (supposedly) Wouldn't happen if her rent wasn't >£2000pcm for a 1 bed flat.

Build a 3 bed house for £300,000 (presumably less with large contracts). Charge £500 rent, they'd make the money back in 50 years even without increases. And houses last more than 50 years!

I know I've read several comments over the years from people saying this. RTB was the worst etc. So why hasn't it happened? Upfront cost. It would cost the government a hell of a lot upfront, despite the astronomical gain further down the line. But if they're not in power when the gains start to show, they get none of the glory. And that's what it boils down to. Elected governments only want something they can boast about within their term. Who cares if it benefits the country in the long run? If it doesn't benefit them short term, it doesn't matter.

Same with education. Better funding will result in more people in work, out of poverty and out of crime in 20 years time. It's the best use of money possible! But no.

SEN funding. Early intervention can prevent children getting to crisis point and keep the gap from widening so they have a chance of staying in school, getting qualifications and contributing to society in the future. Not funding SEN effectively is pretty much cutting off a section of society and forcing them to spend their lives on benefits. Funding could give them a chance. But no.

How many health conditions could be improved by early treatment so people don't end up out of work and incapacitated on benefits?

You've got to spend money to make money...

I agree with everything. I wish you were PM @Yesimmoaningaboutbenefits

YesSirICanNameChange · 27/11/2025 12:28

JHound · 27/11/2025 12:27

Or people take more responsibility for their own lives.

🥱

JHound · 27/11/2025 12:27

Yesimmoaningaboutbenefits · 27/11/2025 10:18

We really need to be campaigning for more council homes. One of the biggest payouts is housing benefit because of the extortionate private rent costs.

That single mum topping up with UC to bring her to over 100k? (supposedly) Wouldn't happen if her rent wasn't >£2000pcm for a 1 bed flat.

Build a 3 bed house for £300,000 (presumably less with large contracts). Charge £500 rent, they'd make the money back in 50 years even without increases. And houses last more than 50 years!

I know I've read several comments over the years from people saying this. RTB was the worst etc. So why hasn't it happened? Upfront cost. It would cost the government a hell of a lot upfront, despite the astronomical gain further down the line. But if they're not in power when the gains start to show, they get none of the glory. And that's what it boils down to. Elected governments only want something they can boast about within their term. Who cares if it benefits the country in the long run? If it doesn't benefit them short term, it doesn't matter.

Same with education. Better funding will result in more people in work, out of poverty and out of crime in 20 years time. It's the best use of money possible! But no.

SEN funding. Early intervention can prevent children getting to crisis point and keep the gap from widening so they have a chance of staying in school, getting qualifications and contributing to society in the future. Not funding SEN effectively is pretty much cutting off a section of society and forcing them to spend their lives on benefits. Funding could give them a chance. But no.

How many health conditions could be improved by early treatment so people don't end up out of work and incapacitated on benefits?

You've got to spend money to make money...

Or people take more responsibility for their own lives.

MO0N · 27/11/2025 12:26

GentleOlive · 27/11/2025 12:21

People putting children into poverty are their parents. Having more than two kids and then claiming poverty is nobody’s fault but the people engaging in this utter recklessness. Why should other people take their hard earned money from their own kids to give those people who make bad decisions after bad decisions.

Children are not pets that we acquire for own amusement or entertainment. They are the next generation of people, vital and necessary.
We need to incentivize people to have children if we are to avoid population collapse.

RaininSummer · 27/11/2025 12:22

OP you are far too sensible.

Xmasdemon · 27/11/2025 12:21

Isekaied · 27/11/2025 12:16

As posted above.

If people aren't getting a return or if there is too much regulation then they will just sell and use other investments.

Which again just reduces properties available to rent and increases competition for rentals.

Also you're just left with the huge corporations that let properties and the problems that come with them. Again they will only do it of there is a profit for them.

Council doesnt have enough properties to house everyone who needs it.

I don't know much about economics but if rent was regulated, decreasing the value of property and that property was being sold of then couldn't it be bought by the government and they can continue to provide low cost housing ?

GentleOlive · 27/11/2025 12:21

HPFA · 27/11/2025 12:19

Did putting kids into poverty over the last fourteen years lower our overall tax bill?

Or have the long-term costs of children being raised in poverty actually meant we were all worse off in the long run?

People putting children into poverty are their parents. Having more than two kids and then claiming poverty is nobody’s fault but the people engaging in this utter recklessness. Why should other people take their hard earned money from their own kids to give those people who make bad decisions after bad decisions.

Daisymay8 · 27/11/2025 12:21

crackofdoom · 27/11/2025 10:35

Why not save your anger for those responsible for high property prices? They're the ones responsible for all of us suffering- just in different ways. Punching down isn't going to improve your situation.

And who are they I wonder -did you cut the asking price on the home you were selling?

Concentrating businesses in London is part of the problem. Thatcher never invested in the regions after the miners strike, then ensuing govs did the same.

i lived in the SE prices increased by about 4x.
possibly more since 1990 I’m not there now. Where I am now prices doubled over 25 years.
Immigration is concentrated in SE. So more demand.
Giving housing benefits to cover the rents of poorer people so they can stay in London must be contributed to by taxes by those in the regions who are also not getting the perks of good job opportunities.
Encouraging companies Moving out of London would be a good idea. Look at Aberdeen now. They’ve trashed the oil industry what now?

LakieLady · 27/11/2025 12:21

Xmasdemon · 27/11/2025 11:42

So it's not true that people are claiming say £900 per month in housing allowance ?

Some people will be. If you're entitled to 3 bedrooms under DWP rules, the amount that will be added to your UC calculation in my area is £1,450 a month or the actual rent, whichever is the lower.

That doesn't mean that you'll get £1,450, because it could take you over the benefit cap, and there will be a deduction according to how much you've earned if your earnings are over £411.

Isekaied · 27/11/2025 12:20

Xmasdemon · 27/11/2025 12:19

In the next 25 years our government will be paying people to have kids

If only they would have done it earlier I would have had more kids if I could have afforded it.

But couldn't afford it.

MO0N · 27/11/2025 12:20

I'm extremely unhappy that my taxes have been used to line the pockets of landlords allowing them to inflate the price of property such that the ordinary people cannot afford a roof over their heads.

VegBox · 27/11/2025 12:19

WorriedRelative · 27/11/2025 11:03

Ok so here's a scenario for you.

A nice respectable married couple have four kids living in private rented accommodation. He works in retail on a low salary, she works in a care home on minimum wage. They manage without professional child care by working different shifts so one is available when the kids aren't at school or using nursery free hours.

Then Dad is hit by a car while walking to work. He's killed. He doesn't have life insurance. She has to reduce her hours as she has no help with child care, then she gets fired for taking too much time off work because the kids are struggling with school due to bereavement.

She's left claiming benefits.

Does she feed and clothe two children adequately and drop the other two off at the workhouse because she can't afford to feed them or should she scrimp on care so all four suffer?

Benefits are a safety net for people in difficult times. Yes some people are drug addicts, drunks, or just plain feckless but we shouldn't plunge innocent children into poverty because a bad parent might spend the money badly. We should prop up the decent people (not just for the benefit of the children but because it is also good for the economy) and then look at how we deal with the problem families as a separate issue.

It is exceptionally foolish to have 4 children if you can't afford the very modest cost of life insurance or work in a professional role where it's offered as a standard benefit. Frankly, nobody should be having 4 kids unless they are very wealthy, as the impact of job loss etc is so catastrophic.

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