Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Working families £18k worse off than benefits claimants after budget

587 replies

shoelances · 30/11/2025 23:14

This is madness. Can the last taxpayer in the UK please close the door behind them.

www.msn.com/en-gb/money/other/households-on-handouts-to-be-18-000-better-off-than-families-on-modest-wages/ar-AA1RqxlQ

OP posts:
Thread gallery
7
Bumblebee72 · 02/12/2025 17:32

UserFront242 · 02/12/2025 17:30

THERE ARE NOT ENOUGH JOBS

No need to shout. There are loads of jobs people just don't want to do them. They don't want to do them because they can sit at home and live a comfortable life as a piss taker.

JenniferBooth · 02/12/2025 17:32

phantomofthepopera · 02/12/2025 16:49

What people are failing to grasp is that it would cost the taxpayer even MORE if we forced Mums back into work. A mother with two kids pre school-age in my area, paying £1000 a month in private rent would get £1580.76 a month UC. I think we can all agree that would be a pitiful existence raising two children on £500 a month after rental costs for all bills, food and living costs.

If the same Mum worked 16 hours a week, she’d pay no tax. Assuming p/t childcare for both children was £600 for each, she would earn £880 a month in wages and get £2342.23 in UC. Total income after rent and childcare is £1022, so over £500 better off than not working.

If she worked full time, and the children were in full time nursery (£1200 a month each) she’d earn £2037 and pay £270 tax/NI. She’d get £2607.70 in UC and take home £1760 in wages. After rent and childcare she’d have £967 left to live on.

So not only is she worse off after childcare is paid than working part-time, it also costs the taxpayer more for her to go to work full-time.

I think we’d be cutting our noses off to spite our faces if we were to force mothers with young children into full time work. She would suffer, her children would suffer, and the taxpayer would suffer. But maybe some pps would be happy to pay extra taxes to support it just out of jealousy. And if they think someone is getting something they’re not, they can always stop work and try and run a home and raise 2 children on £500 a month.

Thats because its not about money Its about ideology and the perception that someone elses life is easier because they dont work,

Novemberstorm · 02/12/2025 17:31

Benjithedog · 02/12/2025 17:01

I’m sorry but that’s laughable. You have a duty to try to support yourself and your family it’s not up to the Taxpayer to pay you to stay at home. . Most taxpayers would not have an issue with helping to support those in full time work and on a low wage. I certainly have no problem with it. They are contributing. And once the children are in school that wage becomes their own apart from taxes. But there’s a common thread again running through this it’s mums, mums, mums. Where are the FATHERS who should be supporting their children? It may not be a popular fact but the reason why children live in poverty is because the FATHERS don’t contribute to their children l’a upbringing This is the real problem and that is not the fault of the taxpayer

Aside from errant fathers there seems to be many men who are not prepared to provide for their family and put in the work/ extra hours. Years ago men knew what was expected of them. Of course there are still good men, and well done to them. They are true diamonds.

Feminism allowed this to happen to some extent by shifting responsibility away from men.

UserFront242 · 02/12/2025 17:30

Bumblebee72 · 02/12/2025 17:29

The government should test it. Half benefits in April and watch the vacancies disappear. We used to be a nation of shop keepers now we are a nation of piss takers.

THERE ARE NOT ENOUGH JOBS

Bumblebee72 · 02/12/2025 17:29

dreamiesformolly · 02/12/2025 17:27

Ah, OK. The good old 'thoughts and lived experience.'

The government should test it. Half benefits in April and watch the vacancies disappear. We used to be a nation of shop keepers now we are a nation of piss takers.

dreamiesformolly · 02/12/2025 17:27

Bumblebee72 · 02/12/2025 17:25

It is my thoughts and lived experience. I have come across lots of people who would take a job if the government didn't give them a comfortable enough live.

Ah, OK. The good old 'thoughts and lived experience.'

Bumblebee72 · 02/12/2025 17:25

dreamiesformolly · 02/12/2025 17:22

Sources?

It is my thoughts and lived experience. I have come across lots of people who would take a job if the government didn't give them a comfortable enough live.

JenniferBooth · 02/12/2025 17:25

UserFront242 · 02/12/2025 15:20

A few posters have said that part time working should not be allowed, but your point proves that part time is sometimes all there is available, be it due to caring responsibilities or the nature of the job.

If you are in a job where you don't know what hours you are doing week to week, you can't get another that slots around your non-existent rota. So you end up doing less hours (but still have to put your life on hold in case more hours are offered), get a UC top up, and then get berated on here for being lazy and not working more.

And if you are feeling ill and need a GP appointment how do you know when to book one. You would have to cancel if work decided they need you Rinse and repeat then you could get worse and end up in A and E

Southernecho · 02/12/2025 17:24

Marshmallow4545 · 02/12/2025 16:05

I don't think it's a terms and conditions issue. People have used the analogy of hospitality and I think it's fair in terms of zero hour contracts, antisocial hours and low pay. There are still lots of people willing to work in the sector because it's intrinsically more desirable work. I would choose a job in a restaurant over a care home any day of the week. Most people would. That's the problem we have. The work is undesirable yet hugely in demand. We do need to effectively push people into the sector.

It was easy to sponsor someone from abroad to come and work in care in the UK. You didn't need any evidence that they were particularly good at the role or had a specific skillset. Since July rules have been tightened though so we will see where that takes us when we can no longer import our carers and need to rely on our own population to care for our vulnerable people. I still stand by the fact that nobody will do these undesirable jobs unless they are incentivised sufficiently. This will involve some carrot but also a lot of stick. It's too easy now just to choose to stay on benefits and not work.

Have you ever been involved with the long term unemployed?

Many are unemployable and their number is about 300k, the rest of the 1.6m are churn, short term.

My DD was a carer when she was at Uni, its a complex job, often involving handing out the clients meds & in the community, usually requires a car, which rules out huge numbers of the unemployed.

The main requirement is empathy, which vast numbers don't have (as can be seen on many MN threads) followed by literacy skills, again, many long term employed don't have this.

Tories managed to get huge numbers to leave the sector (vaccines) and many more have left to work in higher paid roles, even in supermarkets.

The Indians and Africans who have come here to look after my neighbour, don't stay, the many Indian women i've met, have all gone home/left care, they simply couldn't live on the money they were earning, same with the African men.

Her care is now done by crisis teams directly employed by the NHS.

Forcing people who are unsuited to care roles, is a quick way to wreck the morale of those who don't want to be in the sector, no one enjoys working with people they would literally have to clean up after.

dreamiesformolly · 02/12/2025 17:22

Bumblebee72 · 02/12/2025 17:20

They should be forced to do any work that is going. Too many people take the piss out of their fellow citizens coming up with reason why they can't work. Half benefits and I bet these roles would be filled within a month.

Sources?

UserFront242 · 02/12/2025 17:21

Bumblebee72 · 02/12/2025 17:18

The young men who could aren't doing it because it is easy to collect the dole and play on a X box.

Edited

Picking veg does not pay NMW, and you are homeless when the season is over.
Brexit is what is to blame for crops going unpicked, not young men playing XBox at home.

Bumblebee72 · 02/12/2025 17:20

JenniferBooth · 02/12/2025 17:11

So is childcare so surely if its ok to put the elderly at risk by forcing ppl to do the job who really dont want to do it then its ok to do that to other groups no? Why should it only be the elderly who should be potential collateral damage?

They should be forced to do any work that is going. Too many people take the piss out of their fellow citizens coming up with reason why they can't work. Half benefits and I bet these roles would be filled within a month.

UserFront242 · 02/12/2025 17:20

Marshmallow4545 · 02/12/2025 17:03

Yep, that's about the measure of it or of course they could do the caring themselves. I can hear the arguments about why they couldn't possibly do this already but of course they expect some stranger to willingly do it. Someone somewhere has to do the care work. It's either often unwilling and reluctant family members or people that we can push into the sector who can't find alternative employment. There aren't really any other options.

A stranger is paid a wage, with all the extras like training, sick pay, holiday etc.
Family do not get that. People who step out of the workforce to care for a relative get about £80 a week to do so. No respite, no training, no sickness pay, no holiday. Their career is stalled or gone altogether.

Bumblebee72 · 02/12/2025 17:18

Frequency · 02/12/2025 17:10

Except they can't because, as was pointed out, if you live in social housing or get help towards your rent, you're not allowed to pootle off somewhere else to live for X weeks of the year, unless we change those rules.

The caravans and tents they sleep in are also not suitable for families, nor are the sites anywhere near most schools.

There are reasons Brits don't work as fruit pickers, and it's not because they prefer living on £400 a month, which is the going rate for UC for a single person.

The young men who could aren't doing it because it is easy to collect the dole and play on a X box.

littleorangefox · 02/12/2025 17:13

phantomofthepopera · 02/12/2025 16:49

What people are failing to grasp is that it would cost the taxpayer even MORE if we forced Mums back into work. A mother with two kids pre school-age in my area, paying £1000 a month in private rent would get £1580.76 a month UC. I think we can all agree that would be a pitiful existence raising two children on £500 a month after rental costs for all bills, food and living costs.

If the same Mum worked 16 hours a week, she’d pay no tax. Assuming p/t childcare for both children was £600 for each, she would earn £880 a month in wages and get £2342.23 in UC. Total income after rent and childcare is £1022, so over £500 better off than not working.

If she worked full time, and the children were in full time nursery (£1200 a month each) she’d earn £2037 and pay £270 tax/NI. She’d get £2607.70 in UC and take home £1760 in wages. After rent and childcare she’d have £967 left to live on.

So not only is she worse off after childcare is paid than working part-time, it also costs the taxpayer more for her to go to work full-time.

I think we’d be cutting our noses off to spite our faces if we were to force mothers with young children into full time work. She would suffer, her children would suffer, and the taxpayer would suffer. But maybe some pps would be happy to pay extra taxes to support it just out of jealousy. And if they think someone is getting something they’re not, they can always stop work and try and run a home and raise 2 children on £500 a month.

Unfortunately in the working part time example, the claimant would be hit with the benefit cap due to earning under £892 per month.

Apart from that, you're correct. There are some circumstances when working more hours results in less overall combined income. The most common reason for this is high childcare costs. However, as a general rule the more you work on UC the better off you are overall. I suppose she wouldn't be paying such high childcare costs once the kids went to school though.

JenniferBooth · 02/12/2025 17:11

Benjithedog · 02/12/2025 14:15

You are obviously not looking hard enough. The care sector for instance is crying out for people

So is childcare so surely if its ok to put the elderly at risk by forcing ppl to do the job who really dont want to do it then its ok to do that to other groups no? Why should it only be the elderly who should be potential collateral damage?

Frequency · 02/12/2025 17:10

Bumblebee72 · 02/12/2025 17:03

Brits could live on site too. They complain enough about the cost of housing. Win win. Highly skilled people generally understand that you move to where the work is, lowly skilled people seem to expect people to bring the work to them. It is all about mentality.

Except they can't because, as was pointed out, if you live in social housing or get help towards your rent, you're not allowed to pootle off somewhere else to live for X weeks of the year, unless we change those rules.

The caravans and tents they sleep in are also not suitable for families, nor are the sites anywhere near most schools.

There are reasons Brits don't work as fruit pickers, and it's not because they prefer living on £400 a month, which is the going rate for UC for a single person.

UserFront242 · 02/12/2025 17:08

Bumblebee72 · 02/12/2025 17:03

Brits could live on site too. They complain enough about the cost of housing. Win win. Highly skilled people generally understand that you move to where the work is, lowly skilled people seem to expect people to bring the work to them. It is all about mentality.

It is seasonal. Would you want to be homeless for many months of the year?

UserFront242 · 02/12/2025 17:07

Frequency · 02/12/2025 16:58

@Bumblebee72

No one should be allowed to sit at home on their Xbox when there are veg to be picked.

I imagine it's this bit. It's been a while since I last visited London, but I don't remember seeing many veg farms last time I was there. Fruit pickers tend to live on site; that's why it is a popular job for migrants; they travel here to pick fruit for our season, then move on to the next country when our season ends.

Don't they also have to pay a cut of their wages for their accommodation? That way they are basically being paid less than NMW.
This wont work for people who have homes to run and family to support elsewhere.

dreamiesformolly · 02/12/2025 17:05

Marshmallow4545 · 02/12/2025 17:03

Yep, that's about the measure of it or of course they could do the caring themselves. I can hear the arguments about why they couldn't possibly do this already but of course they expect some stranger to willingly do it. Someone somewhere has to do the care work. It's either often unwilling and reluctant family members or people that we can push into the sector who can't find alternative employment. There aren't really any other options.

Have you ever cared for an adult relative yourself?

Bumblebee72 · 02/12/2025 17:03

Frequency · 02/12/2025 16:58

@Bumblebee72

No one should be allowed to sit at home on their Xbox when there are veg to be picked.

I imagine it's this bit. It's been a while since I last visited London, but I don't remember seeing many veg farms last time I was there. Fruit pickers tend to live on site; that's why it is a popular job for migrants; they travel here to pick fruit for our season, then move on to the next country when our season ends.

Brits could live on site too. They complain enough about the cost of housing. Win win. Highly skilled people generally understand that you move to where the work is, lowly skilled people seem to expect people to bring the work to them. It is all about mentality.

Marshmallow4545 · 02/12/2025 17:03

Bumblebee72 · 02/12/2025 16:55

People are going to have to start contributing more to the cost of their parents care if they want to subcontract caring for family to the state.

Yep, that's about the measure of it or of course they could do the caring themselves. I can hear the arguments about why they couldn't possibly do this already but of course they expect some stranger to willingly do it. Someone somewhere has to do the care work. It's either often unwilling and reluctant family members or people that we can push into the sector who can't find alternative employment. There aren't really any other options.

Benjithedog · 02/12/2025 17:01

phantomofthepopera · 02/12/2025 16:49

What people are failing to grasp is that it would cost the taxpayer even MORE if we forced Mums back into work. A mother with two kids pre school-age in my area, paying £1000 a month in private rent would get £1580.76 a month UC. I think we can all agree that would be a pitiful existence raising two children on £500 a month after rental costs for all bills, food and living costs.

If the same Mum worked 16 hours a week, she’d pay no tax. Assuming p/t childcare for both children was £600 for each, she would earn £880 a month in wages and get £2342.23 in UC. Total income after rent and childcare is £1022, so over £500 better off than not working.

If she worked full time, and the children were in full time nursery (£1200 a month each) she’d earn £2037 and pay £270 tax/NI. She’d get £2607.70 in UC and take home £1760 in wages. After rent and childcare she’d have £967 left to live on.

So not only is she worse off after childcare is paid than working part-time, it also costs the taxpayer more for her to go to work full-time.

I think we’d be cutting our noses off to spite our faces if we were to force mothers with young children into full time work. She would suffer, her children would suffer, and the taxpayer would suffer. But maybe some pps would be happy to pay extra taxes to support it just out of jealousy. And if they think someone is getting something they’re not, they can always stop work and try and run a home and raise 2 children on £500 a month.

I’m sorry but that’s laughable. You have a duty to try to support yourself and your family it’s not up to the Taxpayer to pay you to stay at home. . Most taxpayers would not have an issue with helping to support those in full time work and on a low wage. I certainly have no problem with it. They are contributing. And once the children are in school that wage becomes their own apart from taxes. But there’s a common thread again running through this it’s mums, mums, mums. Where are the FATHERS who should be supporting their children? It may not be a popular fact but the reason why children live in poverty is because the FATHERS don’t contribute to their children l’a upbringing This is the real problem and that is not the fault of the taxpayer

dreamiesformolly · 02/12/2025 17:01

Bumblebee72 · 02/12/2025 07:53

With the rapid development in AI we fewer but more highly skilled people in the country. Lots of entry level jobs are going. There will be a two classes as a result - those who do manual/unautomatable jobs and those in skilled work.

This is why many people are moving to vote for Reform - they see the bigger picture. We need tightly controlled bordered and we need unskilled Brits to do the unskilled work. No one should be allowed to sit at home on their Xbox when there are veg to be picked.

These days many Labour voter vote "labour" to be ironic. They don't know what a days labour actually is.

I strongly doubt any veg is sitting unpicked in the fields because not everyone works. 🙄

Marshmallow4545 · 02/12/2025 16:59

dreamiesformolly · 02/12/2025 16:53

I didn't say there were loads of good carers, sadly the opposite seems to be the case. But I tell you what, the sums we are now forking over for a measly 2 hours' care a day for my mum, I'd be interested to know how much care company owners and senior staff generally are taking home. It's hard to believe they can only afford to pay carers NMW, that's all I'm going to say.

It's a competitive industry and not a monopoly. It's unlikely that the margins are massive. Google suggests there is around a 20% profit margin for care which isn't huge and similar to other parts of the service sector. You have to account for all the employer costs e.g. NI, pension contributions, training etc.

Care is inherently expensive because it's so labour intensive.

Swipe left for the next trending thread